RBI-registered NBFC
Instant loans.
Clear pricing.
Built for India.
Apply for personal, business, and gold loans up to ₹5 lakhs. 100% online, paperless process, and money in your account within 24 hours.
Loans that are fast, fair, and easy to understand.
Bansal Credit was built for people who are tired of confusing loan terms and long waiting times. We show you the full cost upfront, approve most applications quickly, and transfer money directly to your bank account.
Backed by ₹50+ Crore in disbursed loans and trusted by 25,000+ customers across India. Everything happens online — no branch visits, no paperwork hassles.
25K+
Happy customers
95%+
Approval rate
24hr
Average disbursal
How it works
Four simple steps
to get your loan.
We've made the entire process digital. Apply from home, upload your documents on your phone, and track everything in one place.
“Most salaried applicants complete the form in under 5 minutes. Approved loans are typically in your bank account within 24 hours.”
Step by step
Fill the application
Complete a simple 5-minute online form with your basic details and loan requirement.
Upload documents
Submit your KYC and income documents digitally — no branch visit needed.
Get approved
Our system reviews your application quickly and shares a clear decision with you.
Receive funds
Once approved, the loan amount is transferred to your bank account within 24 hours.
Who can apply?
Personal loans are available for salaried employees who meet the criteria below.
Eligibility criteria
Documents you'll need
Rates & fees
Honest pricing.
No surprises.
We believe you should know exactly what you're paying before you sign. All rates and fees are shared upfront — no hidden charges at any stage.
Loan calculator
Repay amount
₹6,50,000
Total interest
₹1,50,000
Safe & regulated
Your money.
Your privacy.
Our responsibility.
Bansal Credit is powered by an RBI-registered NBFC. We follow fair lending practices, protect your personal data, and are always clear about terms and conditions.
We never sell your information. Every application is encrypted, and you can reach our support team if anything looks unclear.
I.
Fast disbursal
Approved loans are sent to your bank account quickly — often within 24 hours.
II.
Fully digital
Apply, upload documents, and track your loan — all from your phone or computer.
III.
No collateral
Personal loans don't require property, gold, or any asset as security.
IV.
Secure & private
Your data is encrypted and never sold to third parties.
V.
Flexible tenure
Choose a repayment period between 3 and 60 months that suits your budget.
VI.
Human support
Real people are available to help if you have questions during your application.
Find the right loan
for your need.
01
Personal Loan
For medical bills, weddings, travel, or any personal need — quick and unsecured.
02
Salary Advance
Bridge the gap before your next paycheck with a short-term loan against your salary.
03
Business Loan
Working capital for shop owners and small businesses to manage day-to-day expenses.
04
Gold Loan
Get cash against your gold jewellery with same-day disbursal and flexible tenure.
Frequently asked questions
Q.How fast will I receive the money?
Once your documents are verified and the loan is approved, funds are typically transferred to your bank account within 24 hours. In some cases, it can be as fast as 2 hours.
Q.What is the minimum credit score required?
Salaried applicants need a minimum CIBIL score of 650. If your score is slightly below this, we may still review your application based on your income and repayment history.
Q.Can I pay off my loan early?
Yes. You can close your loan early with no penalty after you have paid at least 6 monthly EMIs. This helps you save on interest.
Q.Do I need to pledge property or gold?
No. Our personal loans are unsecured — you don't need to provide any property, gold, or guarantor as collateral.
Q.What happens if I miss an EMI?
A late fee of 2% per month applies on the overdue amount. It can also affect your credit score. If you're facing difficulty, contact our support team early so we can help.
Ready to get
your loan?
Apply in 5 minutes.
Check your eligibility, see your EMI, and submit your application — all online, no branch visit required.