BharatLoan: Personal Loan App

BharatLoan is a trusted, RBI-compliant personal loan platform operated by Devmuni Leasing & Finance Ltd., an RBI-registered Non-Banking Financial Company (NBFC) holding Certificate of Registration No. 14.02719. We help eligible salaried professionals across India access personal loans through a fully digital, transparent, and secure lending process. 🏦 Our Mission To offer responsible, accessible, and reliable credit solutions to individuals during genuine financial needs—such as medical emergencies, home repairs, education, or utility payments—through a safe, transparent, and fully regulated digital lending ecosystem. 💡 Key Features Unsecured Personal Loans — No collateral required; approval is based on your credit profile and submitted documents. 100% Digital Process — Apply, complete verification, and receive funds directly in your bank account without any physical paperwork. Transparent Charges — No hidden fees; all charges are clearly disclosed before loan approval. Flexible Repayment Options — Choose a repayment tenure from 61 to 365 days, depending on your eligibility. RBI-Registered Lender — Loans are issued by Devmuni Leasing & Finance Ltd. and partner NBFCs listed on our official website. 📝 How It Works Apply Online: Complete your loan application through the BrightLoans app. Upload Documents: Provide PAN, address proof, and bank statements. Verification: Your details are securely verified by our team. Approval & Disbursal: Once approved, the loan amount is credited directly to your bank account. 👤 Eligibility Must be an Indian Resident Salaried Employee or Self-Employed Minimum 25 years of age 📄 Required Documents PAN Card Identity & Address Proof Bank Statement (last 3 months) Passport-size Photograph 💰 Loan Details Loan Amount: ₹5,000 – ₹5,00,000 Tenure: 61 – 365 days APR (Annual Percentage Rate): Fixed at 35% p.a. (Maximum APR 35%) Processing Fee: Up to 2% of the loan amount + GST (18%) Prepayment: No prepayment penalty 📊 Representative Example Loan Amount: ₹50,000 Tenure: 365 days APR: 35% p.a. Processing Fee: ₹1,000 + GST ₹180 Amount Disbursed: ₹48,820 EMI: ₹4,998 Total Repayment: ₹59,978 Total Interest: ₹9,978 Note: BharatLoan does not offer loans that require full repayment in 60 days or less, in accordance with Google Play’s Financial Services policy and RBI guidelines. 🏛 About Us Devmuni Leasing & Finance Ltd. is an RBI-registered NBFC providing personal loans through the BharatLoan App. All loans are issued in full compliance with the Reserve Bank of India’s digital lending framework. Our registered office: 1st Floor Side-B, Plot No. 498, Udyog Vihar Phase 3, Gurugram, Haryana, 122016  Our NBFC : https://www.devmunifinance.com/ 🤝 Customer Support 🌐 Website: www.bharatloan.com 📞 Customer Care: +91-8282824-644 📧 Email: care@bharatloan.com