Regulated entities
Our lending partners
HandLoan.ai is a loan facilitation platform, not a lender. Loans are offered by the lending partners below, which make every credit decision.
Who does what
Clear roles in every loan
HandLoan.ai: loan facilitation platform
- Provides the website and the online enquiry form
- Collects your enquiry with your consent and explains loan options in plain language
- Shares your enquiry with a lending partner listed on this page only after telling you which lender and taking your consent
- Handles support and complaints about its own services
- Does not lend money, approve loans or collect repayments
Lending partner: bank, NBFC or its lending platform
- Decides eligibility, loan amount, interest rate and charges
- Issues the Key Facts Statement and loan agreement
- Disburses the loan to your bank account
- Collects repayments and services the loan
- Handles loan-related complaints through its grievance officer
Technology partners
- Provide supporting technology, such as the chat assistant on this website
- Do not make lending decisions
- Are listed below
Lending partners
Who we work with
Loans are offered by these lending partners. HandLoan.ai is not a lender.
| Lending partner | Registered name | Type | RBI registration |
|---|---|---|---|
| GROx (formerly MyShubhLife) | Named in your loan offer and KFS | Digital lending platform | Verify on rbi.org.in |
| FlexiLoans | Named in your loan offer and KFS | Digital lending platform | Verify on rbi.org.in |
| Fibe | Named in your loan offer and KFS | Digital lending platform | Verify on rbi.org.in |
| Zype | Named in your loan offer and KFS | Digital lending app of Respo Financial Capital | Verify on rbi.org.in |
| Respo Financial Capital | Respo Financial Capital Private Limited | NBFC | Verify on rbi.org.in |
| L&T Finance | L&T Finance Limited | NBFC | Verify on rbi.org.in |
| Aditya Birla Capital (formerly Aditya Birla Finance) | Aditya Birla Capital Limited | NBFC | Verify on rbi.org.in |
| Bajaj Finance (Bajaj Finserv) | Bajaj Finance Limited | NBFC | Verify on rbi.org.in |
| DMI Finance | DMI Finance Private Limited | NBFC | Verify on rbi.org.in |
| Karnataka Bank | Karnataka Bank Limited | Bank | Verify on rbi.org.in |
Logos and names belong to their respective owners. The lender for your loan is always named in your offer, Key Facts Statement (KFS) and loan agreement.
Technology partners
Services that support the platform
| Partner | Role | Website |
|---|---|---|
| iamkratu.ai | Provides the AI chat assistant on this website | iamkratu.ai |
Technology partners do not make lending decisions.
Good to know
How lending partners work
- We share your enquiry only with a lending partner listed on this page, and only after telling you which lender and taking your consent.
- The lender's name is shown on every offer, in the Key Facts Statement (KFS) and in your loan agreement. Your loan contract is always with that lender.
- You can verify any lender's registration on the Reserve Bank of India website.
- Never pay anyone an upfront fee in HandLoan.ai's or a lending partner's name. Report it to help@handloan.ai and cybercrime.gov.in (1930).
- For a complaint about HandLoan.ai, contact our Grievance Officer, Amit, at help@handloan.ai or see Grievance Redressal. For a complaint about a loan, contact that lender's grievance redressal officer (details are in your KFS).