Compare & apply for loansin minutes, not weeks
One application lets you compare offers from 20+banks & NBFCs in minutes. Home, personal, business, property and MSME loans — compare interest rates, fees and amounts side by side, then proceed with the lender that fits you best.
- Rates from 7.4% p.a.
- RBI-registered partners
- 20+
- Banks & NBFCs
- 6
- Loan products
- 30+
- Cities served
- ₹0
- To compare offers
Six ways to fund what matters
From your first home to working capital for your business — pick a product to compare partnered lenders, rates and eligibility.
Borrowing, the pakka way
A smarter first step to credit — transparent, secure and built to save you time and money.
One form, many lenders
Submit a single application and compare offers from 20+ banks and NBFCs — no more filling the same details on a dozen websites.
Upfront transparency
See the interest-rate range, processing fee and loan amount for every lender before you commit. No hidden surprises.
Secure & paperless
OTP-verified, fully digital and designed around Indian data-protection and digital-lending practices. You stay in control.
For every profile
Salaried or self-employed, a strong score or a thin file — we list lenders across a wide range of credit profiles.
Plan before you borrow
Built-in EMI and 11 more calculators help you size your loan, interest and savings before you ever apply.
You choose the lender
PakkaLoan compares and connects — final approval, rate and disbursal rest with the lending partner you pick.
100% digital, paperless, OTP-secured.
From application to offers in four simple steps
Paperless, transparent and designed to be quick. Here's the whole journey.
- 1
Apply in minutes
Tell us your loan requirement and a few basic details. One short, paperless form — no need to visit multiple lender websites.
- 2
Verify with OTP
Confirm your mobile number with a one-time passcode. It's secure, instant, and keeps your application genuinely yours.
- 3
Compare your offers
Review the interest-rate range, processing fee and loan amount from each partnered bank and NBFC, side by side.
- 4
Proceed with a lender
Choose the offer that suits you best and continue with that lending partner. Final approval and disbursal rest with them.
Estimate your EMI before you apply
Adjust the loan amount, rate and tenure to see your monthly instalment and the total interest you'll pay.
EMI calculator
Drag the sliders to estimate your monthly instalment, total interest and total payable for any loan.
- Principal50%
- Interest50%
Monthly EMI
₹11,054
180 monthly installments
Total interest
₹9,89,718
Total payable
₹19,89,718
Indicative only. Your final EMI depends on the lender's rate and terms.
Free financial calculators
Crunch the numbers before you borrow — EMIs, balance-transfer savings, SIP and fixed-deposit returns and more. Every tool is free, instant and runs in your browser.
- Open calculator
EMI Calculator
Estimate your monthly instalment, total interest and total payment for any loan.
- Open calculator
Balance Transfer Calculator
Simulate moving a loan to a lower rate and see your total and monthly savings.
- Open calculator
Credit Utilization Calculator
Check your credit utilisation ratio across cards and see its impact on your score.
- Open calculator
SIP Calculator
Project the future value of a Systematic Investment Plan and see compounding at work.
- Open calculator
Fixed Deposit Calculator
Estimate maturity value and interest earned on a fixed deposit over your chosen tenure.
- Open calculator
Cash Flow Calculator
Analyse income vs expenses to find your net cash flow and savings rate.
A trusted network of leading banks & NBFCs
- ICICI Bank
- Kotak Mahindra Bank
- HDFC Bank
- Axis Bank
- IDFC Bank
- Godrej Capital
- L&T Housing Finance
- Axis Finance
- Bajaj Housing Finance
- RBL Bank
- Piramal
- ICICI HFC
- Bajaj Finance
- Tata Capital
- Poonawala Fincorp
Borrowers who found their pakka offer
Real experiences from people who compared and secured their loans with us.
Applying for a Home Loan through PakkaLoan worked like a charm. From login to disbursement, the guidance received from the team was phenomenal. I could not ask for a better team of professionals. I am definitely going to recommend them to my friends and relatives for any loan requirement.
Prashant BawkarCEO & Founder — Mumbai A friend suggested PakkaLoan for my Personal Loan. I was impressed at the first meeting with their expert understanding of customer requirements and professional approach. They listened to my very specific needs and got the loan disbursed in 3 days. Best service ever.
Piku PhukanMarketing Manager — Mumbai I would like to express my gratitude for the outstanding service and support offered by PakkaLoan during the loan process. I could avail the loan without any hindrance and trouble. It is because of the team's timely service that helped me get my loan on time.
HariprasadLead Developer Clear explanations of the loan options and terms, valuable advice and recommendations, and efficient communication with the lender ensured a smooth and timely approval. The team made a tangible impact on my plans. I will enthusiastically recommend PakkaLoan to anyone seeking loan assistance.
H. Bharath KumarProduct Manager I availed a Loan Against Property with the help of PakkaLoan. The team assigned to me was a great help in the smooth transition with the bank and getting the loan on time. The service rendered by the team is a great help and I sincerely thank them.
H. RamuCTO
Questions, answered
The essentials on how PakkaLoan works, fees, EMIs and your data.
PakkaLoan is a digital loan-aggregation platform. You submit one application and we help you discover and compare loan offers from partnered banks and NBFCs — across home, personal, business, working capital, loan against property and debt restructuring. PakkaLoan does not lend money itself; the final loan approval, interest rate and disbursal are determined solely by the lending partner you choose.
Apply online in minutes, verify your mobile/email with a one-time OTP, and review the loan offers you are eligible for. Compare each lender's interest-rate range, processing fee and loan amount, then proceed with the partner that suits you best. The process is paperless and designed to be quick and transparent.
Yes. PakkaLoan is a digital loan-aggregation platform that helps you discover and compare offers from partnered RBI-registered banks and NBFCs. We do not lend directly — final approval, rate and disbursal rest with the lending partner you choose — and we follow applicable Indian digital-lending and data-protection practices (IT Act 2000, DPDP Act 2023).
Six products: Home Loan, Personal Loan, Business Loan, Working Capital Loan, Loan Against Property, and Debt Restructuring. Each product page lists the partnered lenders along with their interest-rate range, processing fee and loan-amount band so you can compare before you apply.
Comparing offers on PakkaLoan is designed to be a low-friction first step. A formal credit enquiry is only raised when you proceed with a specific lender and they assess your application. Always review the lender's terms before you submit a full application.
Fees vary from lender to lender and from case to case. A typical fee structure includes: Loan Processing Fees (0.5% to 4% of loan amount), Loan Cancellation (usually ₹3,000 to 5% of loan amount), Stamp Duty (as per property value and state tax), Legal Fees (as per actual), Penal Charges (usually 2% per month) and EMI/Cheque Bounce charges (approx ₹499 to ₹599). Your final charges are confirmed by the lender.
EMI uses the standard reducing-balance formula: with monthly rate i = annual rate / 12 / 100 and tenure N months, EMI = P × i × (1+i)^N / ((1+i)^N − 1). Total Payment = EMI × N and Total Interest = Total Payment − Principal. Use the EMI calculator on any loan page to estimate your monthly instalment.
It depends on the product and whether you are salaried or self-employed, but most applications need identity and address proof, income proof (salary slips or ITR), recent bank statements, and a PAN card. Business and secured loans also require business-registration and property documents. Each loan page lists the exact document checklist.
Your information is processed securely and shared only with the lending partners required to evaluate your application, subject to your consent. PakkaLoan follows applicable Indian data-protection and digital-lending practices. You stay in control of which lender you proceed with.
Find your best loan offer today
One quick application. Compare offers from 20+ lenders with no impact on your credit score.