Personal Loans
100% Digital, Unsecured Personal Loans for All Your Financial Needs
Our Products
Bhawana Capital, a Non-Banking Financial Company (NBFC) regulated by the Reserve Bank of India (RBI), offers instant personal loans through a 100% digital process. Our product ensures a seamless experience with minimal documentation and quick disbursal, while adhering to all applicable regulatory guidelines.
Key Features
100% Digital Process
Complete loan application process online with our Digital Application
RBI Regulated
Fully compliant with RBI guidelines ensuring transparency and security
Flexible Repayment
Multiple payment options including UPI, payment gateways, and more
Digital KYC Process
Complete your KYC digitally with just a selfie, PAN card, and address proof
Booster Options
Enhance loan eligibility with bank statements, payslips, and employment letters
Digital Application
Our partner’s mobile app helps you apply quickly and securely
Personal Loans
Bhawana Capital offers 100% unsecured personal loans tailored to meet your financial needs. Our personal loans are designed to provide quick access to funds for a variety of purposes, including:
Product Specifications
| Specification | Details |
|---|---|
| Principal | ₹ 1,500 - ₹ 30,000 |
| Tenure | 3 Months - 12 Months |
| Interest Rates (per annum) | 17.95% - 35.95% |
| Processing Fees | 1% - 7.5% (₹ 100 - ₹ 2,000 Max) |
| Life-Time Registration Fees | ₹ 100 to ₹ 750 |
| Repayment Frequency | Monthly |
| APR Range | 30% - 87% |
Note: The interest rate and processing fee for individuals are determined based on the "Risk Profile" and the internal policies of our NBFC that considers parameters like credit score, credit vintage, overdue amount, income source, number of active loans, number of EMIs delayed, etc. Making timely EMI payments for all loans will help customers get the lowest interest rates and higher credit amounts.
Transparency and Compliance
No Hidden Charges - Full transparency in loan terms and fees
Grievance Redressal Mechanism - Prompt resolution of customer issues
Data Privacy and Security - Strict adherence to RBI data privacy guidelines
RBI Compliance Commitment
Bhawana Capital strictly complies with all RBI regulations concerning digital lending, including mandatory disclosures, borrower privacy, and grievance redressal mechanisms. Loan approvals, terms, and conditions are subject to verification of submitted information and documentation, in line with our internal credit assessment policies.
Ready to Apply for Your Personal Loan?
Whether you need instant cash for unforeseen expenses or personal needs, Bhawana Capital is here to assist you with reliable and transparent lending solutions.