Intelligent Lending.
Instantly.
Get personalized loans from ₹50,000 to ₹25 Lakhs with instant approval. Powered by conversational AI technology from Tata Capital.
Total Loans Disbursed
Happy Customers
Average Approval Time
Customer Satisfaction
From Paperwork
To Personalization.
Traditional loan applications are slow, impersonal, and complex. We reimagined the entire process as a single, intelligent conversation. Our Master AI Agent doesn't just process data—it understands your needs, negotiates terms, and orchestrates a team of specialized AIs to secure your approval in minutes, not days.
Zero Physical Documentation
Complete the entire process from your phone. No printing, scanning, or courier required.
Personalized Interest Rates
Our AI analyzes your profile to offer you the best possible rates starting at 10.99% p.a.*
Instant Disbursal
Funds transferred directly to your bank account within 30 minutes of approval.
The Symphony of Agentic AI
One Master Agent acts as your personal conductor, seamlessly coordinating specialist AI agents to perform every task with precision and speed.
Sales Agent
Understands your requirements and negotiates your ideal loan amount, tenure (12-60 months), and competitive interest rates through natural conversation.
Verification Agent
Instantly validates your Aadhaar, PAN, and banking details against CKYC and secure government databases with 256-bit encryption.
Underwriting Agent
Analyzes credit bureau data (CIBIL, Experian, Equifax) and income statements to provide an instant eligibility decision with transparent criteria.
Sanction Generator
Automatically creates and delivers your official digitally-signed PDF sanction letter upon approval, ready for immediate fund transfer.
Trusted by Thousands
Real stories from real customers who transformed their financial journey
"I got ₹5 lakhs approved in just 4 minutes! The AI conversation was so natural, it felt like talking to a helpful friend. No hassle, no paperwork, just instant approval."
Rahul Patel
Mumbai, Maharashtra
"As a small business owner, I needed funds urgently. Tata Capital's AI system understood my needs perfectly and got me ₹10 lakhs with better rates than my bank offered."
Sneha Kulkarni
Pune, Maharashtra
"Completely paperless! I applied from my phone during lunch break and had the money in my account before dinner. This is the future of banking."
Arjun Mehta
Bangalore, Karnataka
Rated on
Trustpilot
Rated on
Google Play
4.7/5
Featured in
Economic Times
Bank-Grade Security
Your data is protected with military-grade encryption and regulatory compliance
RBI Registered
Licensed Non-Banking Financial Company (NBFC)
256-Bit SSL
Bank-level encryption for all transactions
ISO 27001
Certified information security management
PCI DSS
Payment card industry data security standard
Regulatory Compliance
Reserve Bank of India (RBI) Licensed NBFC
CKYC (Central Know Your Customer) Compliant
Data Protection & Privacy Act Certified
Fair Practice Code Adherent
Frequently Asked Questions
Everything you need to know about our AI-powered lending
What loan amounts can I apply for?▼
You can apply for personal loans ranging from ₹50,000 to ₹25,00,000, subject to eligibility. Our AI system will analyze your profile and recommend the optimal amount based on your income, credit history, and repayment capacity.
How fast is the approval process?▼
Most applications receive instant decisions within 5 minutes. Once approved, funds are typically disbursed to your bank account within 30 minutes to 24 hours, depending on your bank's processing time.
What are the interest rates?▼
Interest rates start from 10.99% p.a. and vary based on your credit profile, loan amount, and tenure. Our AI system ensures you get the most competitive rate for your specific situation. There are no hidden charges.
What documents do I need?▼
You'll need: (1) Aadhaar card for identity verification, (2) PAN card for tax purposes, (3) Latest 3 months' bank statements, and (4) Salary slips or ITR for income proof. All documents can be uploaded digitally through our secure platform.
Will checking eligibility affect my credit score?▼
No! Our eligibility check is a soft inquiry that does not impact your credit score. Only when you proceed to formal application and approval will a hard inquiry be recorded with the credit bureaus.
Can I prepay my loan without penalties?▼
Yes, you can prepay your loan partially or in full at any time. We charge zero prepayment penalties, giving you complete flexibility to manage your finances efficiently.
Your Future, Funded.
Step away from the complexity of traditional banking. Experience the simplicity, speed, and intelligence of the next generation of financial services. Join 2.5 lakh+ satisfied customers who chose smarter lending.