We are building the loan app we wanted to exist: honest about cost, fast when it counts, quiet about your data.
Money in India comes wrapped in tension. A loan can feel like a favour you have to beg for, with fine print you find out about later.
Bindaas is a Hindi word for carefree, confident, unbothered. It is how borrowing should feel when the numbers are honest and the process is quick.
So our promise is concrete: show every charge before you sign, never sell your data, and get the money to you in minutes.
Every fee is on one page, before you sign. Nothing appears later.
Close your loan whenever you like, at ₹0, after your first EMI.
The EMI on the slider is the EMI you pay. No bait rates.
Never sold, stored in India, never your contacts or photos.
Figures as of 30 June 2026. Illustrative for this prototype.
disbursed so far
borrowers across India
Play Store rating
average disbursal
Spent a decade building payments rails. Started Bindaas to fix the part of money that still feels hostile: borrowing.
Built core-banking infrastructure at scale. Believes speed and safety are the same discipline, not a trade-off.
Fifteen years underwriting at NBFCs. Insists that a fair rate is a well-explained rate.
Bindaas is a lending service provider, not a bank. We do not lend our own money. Loans are sanctioned and disbursed by our RBI-registered NBFC partners, and the lender's name is always on your agreement. You can see the full list on our lending partners page, and how we treat borrowers in our fair practices code.
Work on the least boring problem in fintech. See open roles.