Paisa & Paisa · Core Plan

₹499.
Your loan, guided end to end.

From your first call to the final EMI — a dedicated specialist handles every document, every 1-on-1 conversation, every negotiation with lenders, and every follow-up. This isn't just for rejected files. It's how every loan should work.

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₹499 credit profile assessment
Mandatory for every loan file. No "processing", "release" or "insurance" fees. Ever.
Who it's for

Built for everyone. Not just the "low score" cases.

A 550 score or an 800 — same specialist, same dedication. Whether your documents are a mess or perfectly sorted, whether it's your first loan or your tenth, this plan covers the entire journey. You never face a lender form, a follow-up, or a negotiation alone.

  • All documentation, handled — every form, KYC, income proof and statement prepared and corrected before it reaches any lender.
  • 1-on-1 specialist — one real person on calls and WhatsApp, from the first conversation to the final disbursement.
  • Guided to the end — matching, negotiation, follow-ups and repayment guidance until your loan is fully done.
What's inside

Everything the journey asks for — handled for you.

No task too small, no detail overlooked. From the first document to the final settlement, the ₹499 plan covers every step between you and a funded loan.

All documentation, handled

From first KYC to final statement. Name mismatches, stale address proofs, incomplete bank statements — fixed before submission.

1-on-1 specialist

A dedicated person, on call and on WhatsApp, at every step — no IVR, no ticket queues, just one conversation with someone who knows your file.

Multi-lender matching

Your file compared across the full partner network — including NBFCs that work with lower credit scores — for the widest possible set of options.

A better loan, negotiated

We negotiate the rate, processing fee and tenure so you borrow cheaper — not just easier. You get the best terms your profile allows.

Smarter repayment

EMI sizing, prepayment timing and closure guidance that keeps your monthly budget in control — and the loan finished sooner.

Follow-ups to decision

Human-to-human follow-up with lender desks. No file dies silently in a queue — you get an answer, every time.

The network your file is matched against
State Bank of India logoState Bank of India
HDFC Bank logoHDFC Bank
ICICI Bank logoICICI Bank
Axis Bank logoAxis Bank
YES Bank logoYES Bank
IndusInd Bank logoIndusInd Bank
RBL Bank logoRBL Bank
Federal Bank logoFederal Bank
Indian Bank logoIndian Bank
Bank of Baroda logoBank of Baroda
PNB logoPNB
AU Small Finance Bank logoAU Small Finance Bank
Equitas Small Finance Bank logoEquitas Small Finance Bank
Ujjivan Small Finance Bank logoUjjivan Small Finance Bank
Utkarsh Small Finance Bank logoUtkarsh Small Finance Bank
Bajaj Finserv logoBajaj Finserv
Muthoot Finance logoMuthoot Finance
Tata Capital logoTata Capital
Poonawalla Fincorp logoPoonawalla Fincorp
Cholamandalam Investment logoCholamandalam Investment
Hero FinCorp logoHero FinCorp
Lendingkart logoLendingkart
IIFL Finance logoIIFL Finance
L&T Finance logoL&T Finance
Piramal Finance logoPiramal Finance
Aditya Birla Capital logoAditya Birla Capital

Your specialist works the full network, not one lender — banks, small finance banks, NBFCs and digital lenders. Full list in our partner directory.

The difference

A score isn't a sentence. Effort is the difference.

The same specialist, the same effort, whether your file is complex or straightforward. The fee covers everything between you and the loan.

1-on-1A dedicated specialist assigned to your case from first call to final disbursement.
10+Partner lender profiles compared across the full network for your specific profile.
First call → EMIFull journey coverage: documents, application, negotiation, and repayment guidance.
What you get

A better loan. And a better way to pay it back.

Getting funded is the first half. We make sure the terms work for your budget — and stay with you until the loan is closed.

For the loan itself

The right product from the right lender — negotiated rate, lower processing fees, tenure that fits. Not just an approval, but the best approval your profile can get.

For your monthly budget

EMI sized to your income, prepayment guidance when you can, and support through to closure. You borrow smarter, and you finish smarter.

How it works

Four steps. One flat fee.

1

Pay and start

Fill the eligibility form and pay the mandatory ₹499 credit profile assessment charge — or message us on WhatsApp and say "499 plan". No file moves forward without it.

2

Specialist assigned

One working day. Your specialist calls, reviews your documents, and builds the strategy. No IVRs, no queues — just one real conversation.

3

Match, fix & push

Your file is cleaned, matched across lenders, and negotiated. Documents corrected. Applications presented properly. Every viable route pursued.

4

Guided to the end

Follow-ups until every option has returned a decision — then supported through to disbursement, repayment structure, and eventual closure.

What the ₹499 covers

One-time ₹499 credit profile assessment charge, inclusive of all GST and taxes — no "processing", "release" or "insurance" fees ever. It is mandatory for every loan file, because no lender will act on a profile that hasn't been assessed and prepared. It is non-refundable once the assessment begins. Approval decisions rest solely with our RBI-registered lending partners. If you're ever unsure, ask your specialist at any point.

Common questions

You might be wondering

Is the ₹499 refundable if the loan isn't approved?

No. It's a credit profile assessment charge for work we do on your file, and it's non-refundable once the assessment starts — approval rests with the lender, not with us, so the assessment is what you're paying for. Ask us anything before you pay.

Does paying ₹499 affect my loan terms?

No. Lenders pay us referral commissions separately; your interest rate comes from the lender, not from us. The plan fee buys effort and expertise, not a worse deal.

Is this only for low credit scores?

No. It's for everyone — low scores, high scores, complex files, simple applications. A strong profile gets rate optimisation; a weaker one gets every possible route explored. The effort is the same either way.

My score is under 600 — still worth it?

That's precisely who it's built for. Options may be secured or smaller-ticket — but "completely impossible" is almost never the true answer. We'll tell you honestly.

How long does it take?

Most files see their first matched offer within 3–7 working days. Complex cases (document repairs, co-applicant structuring) can run 2–4 weeks — your specialist keeps you updated throughout.

Your score doesn't decide. We do the trying.

₹499 once, GST included — a specialist, a strategy, and every partner option worked until there's an answer. A better loan. A better way to pay it back.

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