Featured Solutions
Smart solutions to make your life simple and secure
Loans and Deposits
Explore the right loan or deposit for your goals
Savings Calculator
Use our calculators to plan better and save more
PARTNERS HUB
Vehicle Dealer
Tie-up
Partner with us to drive vehicle financing seamlessly.
Loan
Connector
Connect with leading lenders and expand loan product offerings.
Channel
Partner
Collaborate and earn more with our partner programs.
Institution
Connect
Empowering institutions through customized financial solutions.
Frequently Asked Questions
A balance transfer means moving your existing loan from a high-interest lender to a new lender offering a lower interest rate. BharatFincred partners offer rates starting at 10.5% p.a. This reduces your monthly EMI and saves you money over the remaining tenure.
CIBIL score ranges from 300 to 900. A score of 750+ is considered excellent and gets you the best interest rates and fastest approvals. Scores below 650 can lead to rejection or higher rates. Checking your score with BharatFincred is free and does not impact your score.
FOIR (Fixed Obligation to Income Ratio) is the percentage of your monthly income that goes towards existing EMIs. Most lenders allow a maximum FOIR of 50%. If your total EMI obligations (existing + proposed) exceed 50% of income, your application may be rejected.
For balance transfers and personal loans, disbursal typically happens in 3-7 working days after document submission. Education loans may take 7-14 days. Home loans can take 3-4 weeks due to property verification. BharatFincred coordinates with lenders to expedite the process.
No. BharatFincred is a fintech platform. We connect you with our network of 30+ partner banks and NBFCs who offer the actual loans. Our service — comparing offers and assisting with applications — is completely free.
Still have questions?