Personal loans · 100% paperless

Borrow bindaas.

₹10,000 to ₹10,00,000, approved in minutes and in your account in about ten. No paperwork. No branch visits. No fine print surprises.

RBI-registered lending partners No CIBIL impact to check Avg. 10-minute disbursal
I need
₹2,00,000
For
Monthly EMI
₹17,853
at 12.5% p.a.
Total interest ₹14,236
+91
Checking your offer won't affect your credit score.
₹0 Cr+
disbursed so far
0 lakh+
borrowers across India
0★
Play Store rating
0 min
average disbursal time
Figures as of 30 June 2026.
Lending partners Meru Finance Pvt. Ltd. Kaveri Capital Ltd. Suvarna Credit (NBFC) Palkhi Finserv All partners are RBI-registered NBFCs or banks
Loans

One app. Four kinds of help.

Focused products for the moments that actually happen, not fifty menus you'll never open.

Personal loan

For weddings, home repairs, relocations or consolidating costlier debt. ₹10,000 to ₹10 lakh, over 6 to 36 months.

from 12.5% p.a.
Know more →

EV & two-wheeler

Up to 95% of the on-road price funded, tenures up to 36 months. EMIs that often cost less than a month of fuel.

from 9.9% p.a.
Know more →

Education & upskilling

For certifications, coaching and upskilling programs. Fees go directly to the institute, repayment starts after your course ends.

from 11% p.a.
Know more →

Medical emergency

Priority processing at any hour, disbursal in minutes, zero processing fee. Hospitals do not wait, so neither do we.

from 11.5% p.a.
Know more →
How it works

Three steps. Zero branch visits.

01

Tell us the number

Pick your amount and tenure. See your exact EMI before you share anything.

02

KYC in two minutes

Aadhaar + PAN, fully digital. Your offer is checked without touching your CIBIL score.

03

Money lands

Straight to your bank account, on average ten minutes after approval.

Who can apply Age 21 to 58 Income ₹15,000+ per month Salaried or self-employed PAN + Aadhaar-linked mobile
Our promise

The fine print, printed large.

01No hidden charges. Ever.
02No prepayment penalty. Close your loan whenever you want.
03Processing fee capped at 2%, shown before you sign.
04Your data stays yours. We never sell it. Not to anyone.

Every charge, in one place

Interest rate12.5% to 24% p.a., reducing balance
Processing fee1% to 2% + GST (₹0 on medical emergency)
Prepayment / foreclosure₹0, anytime after the first EMI
Late payment₹450 + GST per missed EMI
Change your mind?3 day cooling-off: exit by repaying principal plus proportionate interest, zero penalty
Anything elseNothing. This is the complete list.

Stay safe out there

  • Your data is encrypted end to end and stored on servers in India, as required by the DPDP Act, 2023.
  • We will never call or WhatsApp you asking for an OTP, an advance fee or a "processing deposit". Nobody legitimate does.
  • Bindaas offers exist only in the Bindaas app and on this website. Anything else is an impersonation.
  • Something feel off? Write to safety@bindaas.in and we will investigate within 24 hours.
Borrowers

Eighteen lakh stories. Here are five.

RS

Applied during lunch, the money was in my account before my chai went cold. Eleven minutes. I timed it.

Renuka S., Coimbatore
IK

My daughter's hospital deposit at 2 am. No calls, no forms, no drama. I will not forget that.

Imran K., Lucknow
PD

Closed my loan four months early. Zero foreclosure charge, exactly like the website said.

Prateek D., Pune
AM

The EMI I saw on the slider is the EMI I pay. That has never happened to me before.

Anjali M., Bhopal
VR

Bought my EV with 95% funded. The EMI is less than what I spent on petrol.

Vikram R., Chennai

Names changed for privacy. Stories illustrative.

Your data is not our business model.
256-bit TLS Data stored in India ISO 27001:2022† SOC 2 Type II† DPDP Act compliant

† Certifications shown are illustrative for this prototype.

Everything a loan should be.
Nothing it shouldn't.

The whole loan, from offer to closure, on one calm screen.

Carry the calm in your pocket.

The whole thing lives in one app: check an offer, watch the money land, close the loan when you want. 4.7★ on the Play Store, and a 10 minute average disbursal.

Google Play App Store
Your offer
₹2,00,000
Monthly EMI₹9,461
Tenure24 months
Rate12.5% p.a.
Money on its way
FAQ

Fair questions.

No. We use a soft enquiry to show your pre-approved offer, which is invisible to other lenders and does not change your CIBIL score. A hard enquiry happens only if you accept an offer and proceed.

Just your PAN, Aadhaar-linked mobile number, and a bank account. Salaried or self-employed, the process is the same: fully digital, and most applicants upload nothing at all.

After approval and e-sign, disbursal averages 10 minutes via IMPS. At most, a few hours on bank holidays. You'll see the exact status live in the app.

Loans are provided by our RBI-registered NBFC and bank partners, named on this page. Bindaas is the platform. The lender's name, rate and every charge are printed on your loan agreement before you sign, exactly as RBI's digital lending guidelines require.

The full list is published above: interest, a one-time processing fee, and a late payment charge if an EMI bounces. There is nothing else. Every rupee is itemised in the app and on your agreement before you sign, and the same numbers appear on your monthly statement.

Yes. Everything is encrypted in transit and at rest, stored in India, and processed under the DPDP Act, 2023. Your data is used to underwrite your loan, not sold to marketers. Once your loan is closed you can request deletion from the app.

14 more answers on the FAQ page →
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