₹50,000 to ₹2,00,000
Read about personal loans →Personal Loan
Borrow for a wedding, home repair, medical bill or any other personal expense. No collateral is needed.
RBI-registered NBFC. Loan decision in under 10 minutes.
Instant Online Loans in India from an RBI-Registered NBFC
Grownet Finance offers five types of loans: personal loan, education loan, travel loan, healthcare loan and loan against mutual funds. You apply online and upload your documents on your phone. Most applications get a decision in under 10 minutes. Interest rates start from 10% per year (p.a.).
No obligation. 100% online. Secure application.
Under 10 minutes
Time to loan decision
From 10% p.a.
Starting interest rate
5 Loan Options
Personal, education, travel, healthcare and loan against mutual funds
No hidden charges
All fees are shown before you accept
Loan EMI calculator
Quick estimate₹2,00,000
24 Months
12% p.a.
Estimated EMI per month
₹9,415 / month
Total interest: ₹25,953Total amount payable: ₹2,25,953
This is an estimate. Your final EMI depends on the offer you receive.
Tailored Credit Options
Choose a Loan Based on What You Need Money For
Grownet Finance offers five types of loans. Each loan has its own loan amount, eligibility rules and interest rate. Pick the loan that matches your needs.
₹1,00,000 to ₹1 crore
Read about education loans →Education Loan
Pay school fees, college fees or study-abroad costs. Repay over up to 10 years.
₹50,000 to ₹5,00,000
Read about travel loans →Travel Loan
Pay for flights, hotels, visas and holiday packages. Repay in fixed monthly EMIs.
₹50,000 to ₹2,00,000
Read about healthcare loans →Healthcare Loan
Pay hospital bills, surgery and treatment costs for emergency or planned care.
₹1,00,000 to ₹1 crore
Read about loan against mutual funds →Loan Against Mutual Funds
Borrow against your mutual fund units without selling them.
Comprehensive Loan Details
Features of Each Grownet Finance Loan
Select a loan type to see the loan amount, repayment period, main features and who it suits.
₹50,000 to ₹2,00,000 | Interest from 10% p.a.
Personal Loan
A personal loan is an unsecured loan. You do not give any property, gold or investments as security. You can use the money for a wedding, home repair, a medical need or any other personal expense.
- No collateral or guarantor needed
- Use the money for most personal needs
- Most applications get a decision in under 10 minutes
- Prepayment terms are shown in your Key Fact Statement before you accept
Quick Facts
| Loan amount | ₹50,000 to ₹2,00,000 |
| Repayment period | You choose when you apply |
| Interest rate | From 10% p.a. |
| Collateral | Not required |
*Interest rates, fees and eligibility depend on your profile. Final terms are shown in your Key Fact Statement before you accept an offer.
Transparent & Regulated
Why Choose Grownet Finance for an Online Loan?
Here is what you can expect when you apply with Grownet Finance.
Quick decision
Most applications get a decision in under 10 minutes.
Fully online
Apply, upload documents and sign online. You do not need to visit a branch.
Clear pricing
The interest rate, fees and repayment terms are shown before you accept the loan.
RBI-registered NBFC
Grownet Finance is registered with the Reserve Bank of India and follows the RBI Fair Practices Code.
100% Digital Pipeline
How to Apply for a Loan Online in 3 Steps
The whole process is online, from checking your eligibility to receiving money in your bank account.
1
1. Check eligibility
Enter the loan type, amount and repayment period. You see if you are eligible and an estimate of your EMI.
2
2. Apply and upload documents
Fill in your details. Upload your KYC and income documents on our secure portal.
3
3. Receive the money
If you are approved, you sign the loan agreement online. After verification, the money is sent to your bank account.
Transparency First
How Is Loan EMI Calculated? (With Example)
EMI means Equated Monthly Instalment. It is the fixed amount you pay every month until the loan is fully repaid. On a reducing balance loan, interest is charged only on the part of the loan you still owe. So the interest part of each EMI goes down over time and the principal part goes up.
Some loans use a flat interest rate instead. Our healthcare loan uses a flat rate. The healthcare loan page explains how that is calculated.
EMI = P × R × (1 + R)^n ÷ [(1 + R)^n − 1]
P is the loan amount. R is the monthly interest rate (yearly rate ÷ 12 ÷ 100). n is the number of months.
EXAMPLE TABLE
| Loan amount | ₹2,00,000 |
| Repayment period | 24 months |
| Interest rate | 12% p.a. (reducing balance) |
| Processing fee | As shown in your Key Fact Statement |
| Monthly EMI | ₹9,415 |
| Total interest | ₹25,953 |
| Total amount payable | ₹2,25,953 |
*This is an example only. The figures are rounded. Your interest rate, fees and EMI depend on your profile and the offer you receive.
Checklists Ready
Documents Required for a Loan Application
Keep these documents ready before you apply. The exact list depends on the loan type and your profile.
Identity and address proof
- PAN card
- Aadhaar card
- Recent selfie for e-KYC
Income proof
- Last 3 months’ salary slips
- 3 to 6 months’ bank statements
- Income tax return (ITR) if you are self-employed
Loan-specific documents
- Education loan: admission letter or fee details
- Healthcare loan: hospital estimate or admission letter
- Travel loan: booking details or travel plan, if asked
Loan against mutual funds
- Mutual fund statement (CAS)
- Demat account details
- Online pledge approval
Strict Compliance
Grownet Finance Is an RBI-Registered NBFC
Grownet Finance is a non-banking financial company (NBFC) registered with the Reserve Bank of India. We follow the RBI Fair Practices Code and show all charges before you accept a loan.
RBI-registered NBFC
Our registration details are published on our website.
Key Fact Statement
Shows the interest rate, fees and total cost before you accept a loan.
Fair Practices Code
Our lending practices follow the RBI Fair Practices Code for NBFCs.
Grievance redressal
If you have a complaint, our grievance redressal page explains how to raise it and what to expect.
Help & Guidance
Frequently Asked Questions About Online Loans
Answers to common questions before you apply.
You must be an Indian resident with a steady income and a repayment record that meets our criteria. Age limits and income needs depend on the loan type. Check your exact eligibility on our eligibility page.
Need a Loan? Check Your Eligibility Now
Check your eligibility online in a few minutes. No paperwork and no branch visit.
Secure application. Clear terms. No obligation.