Is Loan4Bank a bank or NBFC?

Loan4Bank is a Direct Selling Agent (DSA) and technology platform operated by Bhuraro Fintech Private Limited. Loans are disbursed by RBI-regulated bank and NBFC partners after their independent credit assessment.

Does Loan4Bank charge any upfront fees?

No. Loan4Bank never asks for upfront processing fees. All bank / NBFC fees are disclosed transparently on the offer sheet before you accept the loan.

How is my data protected?

All customer data is encrypted in transit (TLS 1.2+) and at rest. We comply with the RBI Digital Lending Guidelines 2022 and the Digital Personal Data Protection Act 2023. See our Privacy Policy for details.

How do I file a grievance?

Contact our Grievance Officer at grievance@loan4bank.com or +91-89496-31537 (10am–6pm IST, Mon–Sat). Unresolved complaints can be escalated to the RBI Ombudsman via cms.rbi.org.in.

Which bank offers the lowest interest rate on a Home Loan in India today?

As of the current week, State Bank of India (SBI HomeSuraksha) and LIC Housing Finance both start at 8.35% p.a. for salaried borrowers with a strong credit profile. HDFC Ltd's Reach Home Loan is 8.5% p.a. and Bank of Baroda's Home Loan is 8.4% p.a. Rates are updated on this page every 15 minutes; hit Apply Now on any card to lock the current rate against your file.

How long does it take to disburse a Loan4Bank loan?

Personal Loan: 24 hours after e-signing (48 hours for physical branch banks). Home Loan and LAP: 7-14 business days including property valuation. Business Loan: 3-5 business days. Gold Loan: same-day disbursal, most partners settle within 45 minutes of physical pledge. Vehicle Loan: 1-3 business days for new cars, 3-5 for used. Education Loan: 5-10 business days depending on institution verification.

Are LOAN4BANK loans safe? Is my data secure?

Yes. LOAN4BANK is a licensed loan intermediary, SOC 2 Type II audited and ISO 27001 certified. We share your application only with the specific bank you apply to — never bulk-broadcast to multiple lenders without your consent (unlike aggregator sites). All data at rest is encrypted with AWS KMS, all data in transit uses TLS 1.3, and PAN + Aadhaar numbers are stored tokenised in an RBI-compliant vault.

What documents do I need to apply for a loan?

For salaried Personal or Home Loan: PAN, Aadhaar, last 3 months' payslips, last 6 months' bank statements. For self-employed: PAN, Aadhaar, last 2 years' ITRs, latest 12 months' business bank statements, business proof (GST or shop-establishment license). Gold Loan needs only PAN + Aadhaar + the gold. Vehicle Loan needs the vehicle quotation or RC.

Loan Marketplace — Compare 25+ Loan Products

Compare and apply for loans across India's top banks

LOAN4BANK is India's neutral loan marketplace for salaried professionals, self-employed business owners and MSMEs looking to compare Personal Loans, Home Loans, Business Loans, Loan Against Property, Gold Loans, Vehicle Loans and Education Loans across 25+ RBI-registered lenders. Every product on this page shows a live interest rate, honest processing fee, exact tenure ceiling and the true annualised cost after all charges — so you can pick the best offer without wading through calculators and hidden footnotes on the bank's own website.

Personal Loans on LOAN4BANK start at 10.49% p.a. from partner banks HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra and select NBFCs including Bajaj Finance and Tata Capital. Home Loans and Loan Against Property start at 8.35% p.a. with a 30-year maximum tenure from SBI, LIC Housing Finance, HDFC Ltd, Bank of Baroda and Punjab National Bank. Business Loans and MSME working-capital lines start at 12% p.a. from IIFL Finance, Lendingkart and Aditya Birla Finance. Gold Loans start at 9.5% p.a. from Muthoot Finance and Manappuram Finance with same-day disbursal against pledged jewellery.

Vehicle Loans cover new cars, used cars, two-wheelers and commercial vehicles at 8.75% p.a. starting from HDFC, Kotak, Mahindra Finance and Tata Capital. Education Loans for higher studies in India and abroad start at 8.5% p.a. from SBI, Canara Bank, Bank of Baroda and non-collateral options from HDFC Credila and Prodigy Finance. Every loan on the marketplace is applied for through a single unified form — LOAN4BANK submits your file to only the specific lender you pick, never bulk-shares to multiple banks without your consent.

Applying takes about 60 seconds: pick a product card, enter name, mobile, loan amount, monthly income and city, and hit Apply. If you have signed up for a LOAN4BANK account the form is pre-filled from your profile; otherwise the lender confirms disbursal terms directly with you. All amounts and rates on this page are refreshed every 15 minutes from the partner APIs; the rate you see is the rate that gets locked against your application. Data is protected with AWS KMS encryption at rest, TLS 1.3 in transit, and full SOC 2 Type II + ISO 27001 controls.

Loan marketplace frequently asked questions

What is the LOAN4BANK loan marketplace?⌄

The LOAN4BANK loan marketplace is India's neutral comparison hub for Personal Loans, Home Loans, Business Loans, LAP, Gold Loans, Vehicle Loans and Education Loans. Live rates from 25+ banks and NBFCs, apply in 60 seconds with a single form.

How do I choose between a Personal Loan and a Loan Against Property?⌄

Personal Loans are unsecured, fast (24-hour disbursal) and priced 10.49-18% p.a. for ₹50k-40L over 12-60 months. LAP is secured against property at 8.5-11.5% p.a. for up to ₹5 Cr over 15 years. LAP saves interest on large, long-tenure needs; Personal Loans win when you need cash fast without collateral.

Which bank offers the lowest interest rate on a Home Loan today?⌄

SBI and LIC Housing Finance start at 8.35% p.a., HDFC Ltd at 8.5%, Bank of Baroda at 8.4%. Rates update every 15 minutes on this page — hit Apply Now to lock the current rate against your file.

What is the minimum credit score required for a Personal Loan?⌄

Most partner banks want CIBIL 700+ for the best rates. Scores 650-699 are accepted at slightly higher rates by select NBFCs. Below 650, we route you to gold-secured or LAP products that don't rely on unsecured credit.

How long does loan disbursal take?⌄

Personal Loan: 24 hours. Home Loan / LAP: 7-14 business days. Business Loan: 3-5 days. Gold Loan: same-day, often 45 minutes. Vehicle Loan: 1-3 days new / 3-5 used. Education Loan: 5-10 days.

Is my data safe on LOAN4BANK?⌄

Yes. SOC 2 Type II audited, ISO 27001 certified. We share your file only with the specific bank you apply to. Encryption at rest with AWS KMS, TLS 1.3 in transit, PAN and Aadhaar stored tokenised in an RBI-compliant vault.

Does applying affect my credit score?⌄

No. The eligibility check and rate quote is a soft pull with no impact. A hard pull happens only after you accept a specific bank's offer and consent to formal underwriting.

What documents do I need to apply?⌄

Salaried: PAN, Aadhaar, 3 payslips, 6-month bank statement. Self-employed: PAN, Aadhaar, 2 years ITR, 12-month business bank statement, GST or shop-establishment license. Gold Loan: PAN + Aadhaar + the gold. Vehicle: quotation or RC.

Pick your loan. Compare rates.

Compare and apply for loans across India's top banks

Loan marketplace frequently asked questions