About us
Your digital loan partner
Skip the bank queue. We help you start a loan enquiry with our lending partners — online, transparently and securely.
Who we are
Making regulated credit simple and accessible
HandLoan.ai is a brand of Jatta M Kommerce Private Limited, a technology company working at the intersection of finance and AI. Our mission is to make credit more accessible through a fully digital, paperless and transparent journey.
We are not a lender. HandLoan.ai is a loan facilitation platform that works with the lending partners listed on our Lending Partners page. The lender makes every credit decision, sets the loan terms and disburses the loan.
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.
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.
What we do
How we help you borrow better
Online loan enquiry
A simple digital enquiry for personal and business loans.
Plain-language guidance
Explaining loan types, EMIs, APR and charges in simple words.
Connecting you with lenders
Sharing your enquiry with a lending partner listed on our website — only with your consent.
Support & grievance handling
Helping you through the process and resolving issues about our services.
How we work
A clear model you can trust
Here is exactly how money and responsibility flow when you send an enquiry through HandLoan.ai.
You pay us nothing
HandLoan.ai does not charge you any fee for submitting an enquiry. Never pay anyone an upfront fee — we never ask for one.
A lender decides and disburses
The lending partner assesses your application, issues a Key Facts Statement and disburses any loan directly to your bank account.
You repay the lender directly
Any loan you take from a lender is repaid to that lender through the channels in your loan agreement.HandLoan.ai does not collect loan repayments into its own account.
Our mission
To make credit accessible to every eligible Indian through a seamless, transparent and digital-first experience, built on trust and responsible lending.
Our vision
To become India's most trusted digital loan partner for individuals and small businesses.
Our values
What guides us every day
Customer First
Every screen, policy and process is designed around what borrowers need to make a confident decision.
Radical Transparency
Honest disclosures about who we are and what we do, and no fees charged to borrowers by us.
Innovation with Purpose
We use technology like AI to solve real problems, not for the sake of it.
Integrity & Security
We handle data only with consent and never ask for PAN, Aadhaar or bank details in our enquiry form.
Empowerment through Access
We want every eligible Indian to have fair, simple access to regulated credit.
Company information
The company behind HandLoan.ai
- Legal name
- Jatta M Kommerce Private Limited
- Brand
- HandLoan.ai
- CIN
- U58200MH2024PTC428411
- Registered office
- 1st Floor, Shop No. 220, Building No. 3, Citi Mall, Link Road, Andheri (West), Mumbai, Maharashtra 400053, India
- Operating office
- Jatta M Kommerce Pvt Ltd, REGUS, Unit No 2201A, 22nd Floor, World Trade Center, Brigade Gateway Campus, Malleswaram (W), Bangalore - 560055, Karnataka, India
- Company website
- jattamkommerce.com
- Role
- Loan facilitation platform — not a lender. Works with the lending partners listed on our Lending Partners page.
- Support hours
- Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)
- help@handloan.ai
- Phone
- +91 99866 07600
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
