Borrow on your terms.
We take your profile to the banks and NBFCs most likely to say yes, compare what each will actually charge, and handle the paperwork and follow-ups until the money lands.
What we arrange
15 products, one file.
You give us one set of papers. We read it against each partner's live credit policy and place it where it is most likely to be sanctioned.
Retail & Personal
7Home Loan
Up to 30 yrs · purchase, resale or construction
Loan Against Property
Raise against residential or commercial property you already own
Personal Loan
Unsecured · up to 60 months
Car / Vehicle Loan
New and used · up to 100% on-road
Education Loan
Domestic and abroad · with or without collateral
Loan Against Securities
Borrow against shares, mutual funds or bonds without selling them
Gold Loan
Quick liquidity against gold you already hold
Business & MSME
8Business Loan
Term funding for expansion, equipment or working capital. Collateral-free options are available where the facility is backed by the CGTMSE guarantee.
Overdraft / Cash Credit
A revolving limit against stock and receivables — pay interest only on what you draw.
Working Capital Loan
Funding for the gap between paying your suppliers and being paid by your customers.
Mudra Loan
Government-backed funding for micro and small enterprises under PMMY.
Startup Loan
Early-stage funding structured around traction rather than balance-sheet history.
Machinery / Equipment Loan
Buy plant, machinery or medical equipment against the asset itself.
Invoice Financing
Draw against invoices you have raised but not yet been paid for.
Construction Finance
Project funding for developers, released against construction milestones.
Rates shown are the lowest indicative rates available in the market as of October 2026, for the strongest borrower profiles. The rate you are offered depends on your credit history, income, the lender and the security provided — and it is the lender, not Labdhi, who sets it and decides whether to sanction at all. Other business facilities are priced case by case. Treat all of this as a starting point for a conversation, not a quote.
Who we place with
Partnered with the best. To serve you the best.
One application, placed across 40+ banks, NBFCs and housing finance companies, so your file reaches the lender most likely to say yes.
Private Sector Banks
10
Public Sector Banks
10
NBFCs, Housing & Small Finance
10
Before you apply
Where does your credit score stand?
It decides whether you are approved, and what rate you are offered. Answer five questions for an indicative band and the one thing most worth fixing before a lender looks at your file.
Credit score estimator
Five questions. An indicative band, and what is holding it down.
822
Excellent
Lenders compete for you. Expect their best published rate.
Missed EMIs or card payments in the last 2 years
What you hold
Loan or card applications in the last 6 months
What's costing you the most
- Bring card usage under 30% of the limit, or ask for a limit increase.
- Keep your oldest card open. Length of history only builds with time.
- Stop applying for a few months. Each application leaves a mark.
This is an estimate, not your CIBIL score.
A real score is calculated by the bureau from your actual credit file and can only come from them. This tool applies the weightings CIBIL publishes to what you have told us, so it will point you in the right direction — but the number a lender sees may differ. You are entitled to one free bureau report a year directly from CIBIL, Experian, Equifax and CRIF.
Tools
Four calculators, no signup.
Work out what you can afford, what a loan really costs you over its life, and whether the one you already have is worth moving. No signup, and nothing is submitted anywhere.
EMI Calculator
Monthly EMI
₹22,493
Total interest
₹28,98,356
Total payment
₹53,98,356
Eligibility Calculator
Max affordable EMI
₹50,000
Indicative loan eligibility
₹55,57,248
Indicative only. What you are actually offered depends on your credit score, your employer and the lender's own policy.
Prepayment planner
What a little extra every month is actually worth.
Paying ₹5,000 extra each month on top of an EMI of ₹44,186
saves ₹14,52,427
and clears the loan 4y 5m early
You put in ₹9,35,000 extra over the life of the loan and take out ₹14,52,427 of interest you would otherwise have paid.
Without prepaying
20y
₹56,04,529 interest
With prepaying
15y 7m
₹41,52,101 interest
Assumes a fixed rate, no prepayment penalty and that the extra amount goes straight to principal. Floating-rate home loans to individuals generally carry no prepayment charge in India; fixed-rate and business loans often do. Check your sanction letter — we will read it with you.
Balance transfer
Already have a loan? See whether moving it is actually worth it.
Switching costs — adjust if you know them
After paying ₹27,500 to switch, you come out
₹3,09,294 ahead
and your EMI drops by ₹1,871 a month
The switching cost pays for itself in 15 months. After that, the saving is yours.
EMI now
₹36,337
EMI after
₹34,466
Interest saved
₹3.4 L
Cost to switch
₹28k
Assumes you keep the same remaining tenure and that the new lender takes over the full outstanding balance. Foreclosure charges on the existing loan are not included — floating-rate home loans to individuals generally have none, but fixed-rate and business loans usually do. We will read your current sanction letter before recommending a move.
From first call to money in the bank.
01
Tell us what you need
The amount, the tenure and what it is for. One conversation, no forms yet.
02
We shortlist
We read your profile against each partner's current credit policy and come back with the three best offers, side by side.
03
We handle the paperwork
Documents collected once, queries answered, terms negotiated on your behalf.
04
We track the disbursal
From sanction to the money landing, you see every step.
Paperwork
One set of documents, not one per bank.
The most common reason a file stalls is a missing paper nobody asked for until week three. Here is the full list up front.
What you'll need to send us
Pick what describes you. We collect this once, for every lender.
You draw a monthly salary from an employer.
- PAN card
- Aadhaar, passport, voter ID or driving licence
- Passport-size photographs
- Last 3–6 months' salary slips
- Form 16 for the last 2 years
- Last 6 months' salary bank statement
- Income tax returns, if you file them
- Employment ID or appointment letter, if asked
- Statements for any loans you are already paying
Depending on the loan, you may also need…
- Processing fee cheque or online receipt
- CIBIL consent
- ECS / NACH mandate
- Co-applicant or guarantor KYC and income documents
- Property papers, for a home loan or loan against property
- Vehicle quotation and proforma invoice, for a vehicle loan
- Machinery or equipment quotation, for an equipment loan
- Insurance documents, where applicable
A general list, not a lender's own. Originals are usually needed for verification while self-attested copies go to the lender, and any bank or NBFC can ask for more depending on the amount, the product and your credit profile. Send us what you have and we will tell you what is actually missing.
Get started
Tell us the number you need.
Send us the amount, the tenure and what it is for. We come back with the shortlist of lenders most likely to say yes to your profile — and what each one will actually cost you.
No credit check happens at this stage, and nothing is submitted to a lender without your say-so.