Personal Loan
Unsecured funding for planned or unexpected expenses — education, a wedding, medical bills, home improvement or travel.
- Amount
- ₹25,000 – ₹25 lakh
- Tenure
- 12 – 60 months
- Interest rate
- Set by lender
Personal & Business Loan Enquiry
Explore personal and business loan options.
We help you start a loan enquiry with our lending partners. HandLoan.ai is a loan facilitation platform, not a lender. Eligibility, interest rates, charges, approval and disbursement are always decided by the lender.
- Online enquiry
- No fee from HandLoan
- No PAN or Aadhaar asked
Loan amount
₹25,000 – ₹50 lakh
Repayment tenure
6 – 60 months
No short-term or payday loans
Interest rate & APR
Set by the lender
HandLoan.ai does not set rates or charges
HandLoan fee
Nil
No fee for submitting an enquiry
HandLoan.ai is not a bank or NBFC and does not lend money. We are a loan facilitation platform. Loans are offered by our lending partners, which sanction and disburse them at their sole discretion, subject to their own eligibility checks, verification and credit assessment. We share your enquiry with a lending partner only with your consent. Approval is not guaranteed and applications may be declined.
Loan enquiry
Start with an online enquiry
Start with an online enquiry. HandLoan.ai collects your enquiry and explains loan options in plain language. We share your enquiry with a lending partner listed on our Lending Partners page only with your consent. We are not a lender.
Who can send an enquiry
- Indian resident
- Aged 21 to 58
- Monthly income of ₹15,000 or more
Your enquiry is shared with a lending partner only after we tell you which lender and you give your consent.
Why go digital
Skip the bank queue. Your digital loan partner is here.
Exploring a loan shouldn't mean long queues, piles of photocopies and unclear terms. With HandLoan.ai you start with a simple online enquiry, and our team explains loan options, EMIs and charges in plain language.
Every offer from a lending partner shows the lender's name, the loan amount, interest rate, APR, EMI and all charges in its Key Facts Statement, so you can decide with complete clarity.
More about usHow it works
Simple, secure and hassle-free loan enquiry
A digital enquiry with clear information at every step. We are not a lender.
- 1
Send an online enquiry
Share your name, contact details and what you need. We do not ask for PAN, Aadhaar, bank details or documents.
- 2
We explain your options
Our team contacts you with your consent and explains loan options, EMIs and charges in plain language.
- 3
Matched with a lending partner
With your consent, we share your enquiry with a suitable lending partner listed on our Lending Partners page.
- 4
The lender decides
The lender checks eligibility, shows its Key Facts Statement and decides. Approval is not guaranteed.
Our services
Loans for every need
Learn about personal and business loans offered by our lending partners. HandLoan.ai is not a lender.
Business Loan
Collateral-free working capital and growth funding for proprietors, self-employed professionals and small businesses.
- Amount
- ₹25,000 – ₹50 lakh
- Tenure
- 6 – 60 months
- Interest rate
- Set by lender
EMI calculator
Plan your repayments before you borrow
Move the sliders to estimate your monthly EMI and the total interest you would pay.
₹
₹25,000₹50,00,000
%
8 %30 %
months
6 months60 months
Your monthly EMI
₹17,089
- Principal ₹5,00,000
- Total interest ₹1,15,197
- Total amount payable ₹6,15,197
Estimate only, based on a reducing-balance rate. It excludes processing fees, GST and other lender charges, and is not a loan offer. Any actual EMI and APR would be shown in a lender's Key Facts Statement.
Why choose us
Why choose HandLoan.ai?
Fully digital process
Skip the bank queue. Start your enquiry from home, with no branch visits and no physical paperwork.
Transparency first
No surprises. We tell you plainly that we are not a lender and name every lending partner we work with. We never charge you a fee.
Plain-language guidance
We explain loan types, EMIs, APR and charges in simple words, so you know what to check before you borrow.
Privacy & consent
We collect only what your enquiry needs and never ask for PAN, Aadhaar, bank details or documents in our enquiry form.
Real human support
We’re your partner, not just a platform. Reach our team by phone, email or WhatsApp, with a clear grievance process.
Your consent comes first
Your enquiry is shared only with a lending partner listed on our website, and only with your consent.
Your journey, simplified
The traditional way vs. the HandLoan.ai way
Traditional process
- Branch visits and physical paperwork
- Visit lenders one at a time
- Fees and terms explained late
- Days or weeks of follow-ups
- Unclear who you are dealing with
With HandLoan.ai
- A simple online enquiry from your phone
- One enquiry, and our team explains your options
- APR, fees and EMI explained in plain language upfront
- Updates on your enquiry by call, SMS, WhatsApp or email
- A clear statement that we are not a lender
Illustrative EMI calculation
See how an EMI is worked out
| Loan amount | ₹1,00,000 |
|---|---|
| Tenure | 24 months |
| Example interest rate (reducing balance) | 14% p.a. |
| Monthly EMI | ₹4,801 |
| Total interest payable | ₹15,231 |
| Total amount repayable | ₹1,15,231 |
This is a mathematical illustration using an example rate. It is not a loan offer and does not represent any lender's pricing. It excludes processing fees and other charges. Your actual interest rate, all fees and charges, and the Annual Percentage Rate (APR), which includes interest and fees, are set by the lending partner and shown in its Key Facts Statement (KFS) before you accept. Repayment tenures range from 6 – 60 months.
Lending partners
Our lending partners
Loans are offered by these lending partners, which decide on every application. HandLoan.ai is not a lender.
Stay safe from loan fraud
- HandLoan.ai never asks for any upfront payment to process, approve or disburse a loan.
- We never ask for your OTP, UPI PIN, CVV, card number or passwords.
- Loans are disbursed only by the lender named in your KFS, directly to your bank account.
- Check that a lender is listed on our Lending Partners page, and never pay anyone an upfront fee in HandLoan.ai's name.
- Repay only through the lender's official channels shown in your loan agreement.
- Check a lender's registration on the RBI website.
- Report fraud at cybercrime.gov.in or call the national helpline 1930.
FAQs
Questions, answered
Is HandLoan.ai a lender?
No. HandLoan.ai is a loan facilitation platform operated by Jatta M Kommerce Private Limited. It works with the lending partners listed on our Lending Partners page. The lender decides whether to lend, on what terms, and disburses the loan.
Who provides my loan?
Your loan, if approved, is provided by one of the lending partners listed on our Lending Partners page. The lender's name is shown in your offer, Key Facts Statement (KFS) and loan agreement. We share your enquiry with a lender only after telling you which lender and taking your consent.
Does HandLoan.ai charge me any fee?
No. HandLoan.ai does not charge you any fee for submitting an enquiry. Never pay anyone an upfront fee. Any charges levied by the lender, such as a processing fee, are disclosed in the lender's Key Facts Statement before you accept.
Who can apply?
Indian residents aged 21 to 58 with a monthly income of ₹15,000 or more can send an enquiry. HandLoan.ai accepts enquiries only from age 21 to 58. Each lending partner also applies its own eligibility criteria and makes the final decision.
What loan amounts and tenures are available?
We accept enquiries for personal loans from ₹25,000 to ₹25 lakh with tenures of 12–60 months, and business loans from ₹25,000 to ₹50 lakh with tenures of 6–60 months. The actual amount and tenure are set by the lending partner. We do not facilitate short-term or payday loans repayable in 90 days or less.
What interest rate will I get?
HandLoan.ai does not set interest rates. Your interest rate is set by the lending partner, based on its assessment of your profile, such as income, credit score and repayment history. The lender shows the interest rate, all charges and the Annual Percentage Rate (APR) in its Key Facts Statement before you accept.
Download the HandLoan.ai app
Ready to experience the difference?
Understand loan options, then review the lending partner's offer and every charge in its Key Facts Statement before you decide.
Available to Indian residents aged 21 to 58 with a monthly income of ₹15,000 or more. HandLoan.ai accepts enquiries only from age 21 to 58. Any loan would be subject to a lender's credit assessment.
Android app, version 2.1.4 (123 MB). Download it only from HandLoan.ai. The app is not on Google Play yet, so your phone may ask you to allow the install. SHA-256: 10f39d84eaf8d7d36169375ee5faf957a87594ca67a05a44f8bcf6b7e2c2cfde
