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Source-verified data from RBI and official bank sites.
FOR FREELANCERS & GIG WORKERS
Self-employed? No salary slips?
We cover cash-flow based lending too.
India's most complete guide for gig workers seeking loans.
NEW TOOL
Can you actually afford it?
Enter your real household numbers. Get an honest answer — including what happens if things go wrong.
Quick Estimate
Calculate your EMI in seconds
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Full true-cost calculatorWhat Your Bank Won't Tell You
Common practices that cost borrowers lakhs
Processing fee traps
Banks often charge 1-2% upfront. On a 50L loan, that's ₹50,000-1,00,000 you pay before getting a single rupee.
Teaser rate loans
Low initial rates that jump after 1-2 years. Your EMI could increase by 15-20% without warning.
Mandatory insurance
Banks push expensive loan insurance. RBI says it's optional, but many won't tell you that.
Government Schemes
See which government schemes you qualify for
Check eligibility for PMAY, education subsidies, and other schemes in 2 minutes