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:

  1. Digital KYC Process: Complete your KYC digitally by choosing a convenient option that meets your preference. All you need is:
    • A clear selfie
    • PAN card
    • A valid government-issued address proof
  2. Booster Options for Higher Loan Eligibility: To enhance your loan eligibility, you may voluntarily provide additional documents such as:
    • Recent bank statements
    • Latest payslips
    • Employment letters
  3. AI-Driven Mobile Application by Our Partner: Our trusted partner offers a dedicated AI-powered mobile application, enabling you to fill in your details and submit your loan application conveniently.

Note:

  • 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.
  • We do not charge any hidden fees. All charges and interest rates will be transparently communicated to borrowers before loan acceptance.

Whether you need instant cash to manage unforeseen expenses or personal needs, Bhawana Capital is here to assist you with reliable and transparent lending solutions.

Personal Loans

Bhawana Capital, a Non-Banking Financial Company (NBFC) regulated by the Reserve Bank of India (RBI), 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:

  • Unplanned expenses: Medical emergencies or other unforeseen expenses
  • Planned expenses: Funding a vacation, purchasing daily necessities, or meeting other personal financial goals

A. Key Features:

  • Completely Digital Process: Our loan application process is entirely online, ensuring a hassle-free experience. You can apply for a loan using our website or mobile-based application. To facilitate the loan process, we have partnered with a trusted Loan Service Provider (LSP), in line with RBI regulations.
  • Flexible Repayment Options: We adopt a customer-centric approach by offering multiple repayment options, including:
    • UPI-based payments through popular apps like Google Pay, PhonePe, Airtel Payments Bank, Paytm, and others
    • Payment gateways available on our digital platform for quick and secure EMI payments
  • Transparency and Compliance:
    • No Hidden Charges: Bhawana Capital ensures full transparency in loan terms, interest rates, and applicable fees. All charges are clearly communicated before loan disbursal.
    • Grievance Redressal Mechanism: We are committed to resolving customer grievances promptly. If you have any issues or queries, you can contact our grievance redressal officer. Escalation procedures, including contact details of the RBI Ombudsman, are available on our website.
    • Data Privacy and Security: We adhere strictly to RBI guidelines on data privacy. All personal information provided by borrowers is processed securely, and we do not share data without explicit consent.

B. 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%

The interest rate and processing fee for individuals are determined based on the "Risk Profile" and the internal policies of our NBFC that considers the 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 their loans will help the customers get the lowest Interest rates and higher credit amounts.

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