We offer Personal Loans, Home Loans, Loan Against Property, Business Loans, and Education Loans for abroad studies. In addition, we also provide insurance, savings, and investment products.

We are directly partnered with HDFC Bank, ICICI Bank, Kotak Mahindra Bank, and Axis Bank, along with several NBFC institutions depending on the requirement and profile.

Eligibility varies based on bank guidelines, but typically you need:

• A stable income source

• Good credit history (CIBIL ideally 700+)

• Age between 21–58 years

• Documentation as required

We source loans starting from 9.97% p.a., depending on income, CIBIL score, employer category, and bank criteria.

Most personal loans are approved within 24–72 hours, while secured loans like Home Loan/ LAP may take 4–10 working days depending on documentation and property verification.

Typical documents include:

Salaried Individuals:

• PAN & Aadhaar

• Salary slips (last 3–6 months)

• Bank statements (last 6 months)

• Address proof

• Form 16/ITR (if required)

Self-Employed/Business:

• GST/ITR

• Bank statements

• Business financials

• Business registration documents

(Documentation varies — we guide you end-to-end.)

LoanSmart ensures 100% transparency.

• Bank processing charges are standard as per bank rules.

• We disclose any charges upfront — no hidden cost ever.

Yes — we evaluate cases individually.
However, a higher CIBIL score helps in securing a lower interest rate and faster approval.

Yes. We offer doorstep document collection in most major cities, and digital submission options for online customers across India.

Yes! We provide balance transfer services to help lower your EMI and total interest burden.

Absolutely. We inform you of all foreclosure rules & charges in advance and help coordinate with banks.