Har Ghar LMI Loans, compared
Become a Partner
60+ lenders · one eligibility check

Every loan, card and investment India offers.
One comparison.

See my offers
Mobile applicationSave progress, come back later Download app →
Grow your income

Earn bonds up to 13.25%

  • Invest from as little as ₹1,000
  • Interest paid monthly or quarterly
Invest now →
Pre-approved, in minutes

Personal loan from 10.49%

  • Up to ₹40 lakh, no collateral
  • Disbursed the same day by most lenders
Check my offers →
Free, every month

Your score from all 4 bureaus

  • CIBIL, Experian, Equifax and CRIF
  • A soft check, so nothing is recorded
Get my score →
9:41
D Good morning3 offers waiting
782
CIBIL · Excellent
Loan Cards Invest Bills
HD ₹8,00,000 approvedHDFC Bank · 10.75% →
AX ₹5,00,000 approvedAxis Bank · 11.25% →
EMI ₹10,9965 yrs · 10.75%
No bureau contacted

Here is how to see your real offers

The real check runs in the Har Ghar LMI app It takes under a minute, checks every lender on the panel at once, and never touches your credit file at this stage.

Free, and no bureau is contacted at this stage, so nothing is recorded against your credit file.

60+ lenders · One eligibility check

What would you like to do?

Loans, with the rate on the table first

Every category we broker, and the range lenders on our panel are quoting today. Your own rate depends on income, bureau record and the lender's policy.

Personal loan

No collateral, no end-use restriction. Most lenders on the panel disburse within 24 hours.

Rate from10.49%
Up to₹40 L

Business loan

Working capital, machinery, expansion. Term loans, overdraft and MSME schemes including Mudra.

Rate from14.00%
Up to₹75 L

Home loan

Purchase, construction, plot, top-up and balance transfer, on tenures out to 30 years.

Rate from8.35%
Up to₹5 cr

Loan against property

Raise money against a house, shop or plot you already own, at secured-loan rates.

Rate from9.25%
Up to₹10 cr
Gold loanCash against jewellery, same day Car loanNew, used and refinance Two-wheeler loanUp to 100% on-road funding
Education loanIndia and overseas study Balance transferMove to a cheaper rate Loan against car or FDBorrow without selling
MSME and MudraGovernment-backed schemes Professional loanDoctors, CAs, consultants Overdraft and flexiInterest only on what you use

See the instalment before you apply

Move the sliders. The figure updates live, using the same maths every lender uses to size your EMI.

₹5,00,000
₹50 K₹1 cr
11.5%
7%26%
5 years
1 year30 years
Principal₹5,00,000
Total interest₹1,58,000
Total you repay₹6,58,000
Monthly EMI₹10,996
Find lenders at this EMI

Excludes processing fee, insurance and GST. Your Key Facts Statement shows the all-in annual rate.

Every other calculator

Home loan EMI Personal EMI Business EMI LAP EMI Gold loan EMI Car loan EMI PL eligibility HL eligibility Prepayment SIP FD returns GST
Free, forever

Your score from all four bureaus

CIBIL, Experian, Equifax and CRIF High Mark, pulled with your consent, explained in plain language, refreshed every month.

  • A soft check, so your score does not drop for looking
  • We name the bureau and ask before every pull
  • See exactly which account is dragging it down
  • Raise a dispute on a wrong entry from inside the app
Get my score free
300
CIBIL · updated 2 days ago
Excellent · 9 pre-approved offers

Grow what you are not borrowing against

Bonds, deposits, funds and pension products sit next to your loans, so one view shows what you owe and what you own.

Bonds

Corporate, government, tax-free and capital-gain bonds with yield to maturity and rating shown.

Yields up to11.2%

Fixed deposits

Bank and NBFC FDs, senior-citizen rates and post-office deposits, compared on one page.

Rates up to8.50%

Mutual funds

Direct plans across large, mid, small and flexi cap, ELSS for tax, liquid funds for parking.

CommissionZero

NPS and retirement

National Pension Scheme with the extra deduction under 80CCD(1B), plus annuity plans.

Extra relief₹50,000
Sovereign gold bondsGold exposure plus 2.5% interest a year Recurring depositsSave a fixed amount every month Liquid fundsBetter than an idle savings balance

Cover the risk before you take the loan

Health, life and motor policies from IRDAI-registered insurers, compared on premium and claim ratio.

Health insurance

Family floater and individual plans, with cashless hospitals near you.

Save up to25%

Term life

A crore of cover for the price of a phone bill, if you buy young.

From₹487/mo

Car insurance

Own-damage and third-party, with every add-on priced openly.

From₹2,094/yr

Two-wheeler

Renew in two minutes with just your registration number.

From₹538/yr

Pay every bill here, keep the cashback

On the BBPS network, so payment reaches the biller directly. Cashback lands in your wallet and can be spent on the next bill.

Prepaid Postpaid Card bill Electricity DTH FASTag LPG Water Broadband Loan EMI Premium Municipal

Built the careful way

Four things the software actually does, not four things a marketing page claims.

No mark on your file

The soft stage never contacts a bureau. That is an architectural rule of the platform, not a promise on a page.

One Key Facts Statement

Before anything reaches a lender you read the all-in annual rate and the total repayable. It is a step you pass through.

The lender chooses, not us

Your application goes to the lender you named. Whether they lend, and on what terms, is theirs to decide and answer for.

Encrypted, not just secure

Sensitive fields are encrypted at rest, not merely sat behind a login. Consent is recorded before every bureau pull.

0Banks and NBFCs
0Credit cards listed
0Eligibility checks run
0Answered in 48 hours

Built for effortless, secure lending

One app, your bank connected once, and a KYC flow that takes minutes instead of branch visits.

Manage every loan and card in one app

Get started
Good morning,
Priya
LOAN STATUS
PERSONAL LOANe-KYC done
₹5,00,000 · HDFC Bank
App no. HGL0042Disbursed 01/09

Empowering your
credit identity

Verify once with Aadhaar and PAN. You choose what each lender can see — the master record stays yours.

Connect your bank

By connecting your bank, you agree to our Terms and Privacy Policy.

HDHDFC Bank AXAxis Bank ICICICI Bank
Downloadthe app or use browser
₹5,00,000 disbursedTo Priya's account, today
0Lenders onboarded
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OUR TECHNOLOGY

Har Ghar LMI streamlines onboarding with instant e-KYC and liveness checks.

HG Har Ghar LMIFinance GET
4.6 ★12k ratings
60+Lenders
4+Age rating
Personal loan10.49%
Credit card6% cashback
Credit scoreFree
Now availablein the App Store GET

Lending partners across the industry

What people say once they have the money

★★★★★

Three card bills due in two days. I paid all of them here in under two minutes and got cashback on each one, with no jumping between banking apps.

AMAarti MittalJaipur · Bill payments
★★★★★

Four banks had rejected me. The check here showed which two NBFCs would actually consider my profile, and one sanctioned in a day.

RSRohan SinhaPune · Personal loan
★★★★★

The Key Facts sheet showed a processing fee my bank had buried. I moved the business loan to another lender on the panel and saved ₹38,000.

MGMd. Gausar AlamKolkata · Business loan
Free credit score inside

The whole thing, on your phone

  • A credit score worth ₹1,200 a year, free every month
  • Pre-approved offers appear the moment a lender approves you
  • Save progress mid-application and come back later
  • Cashback on every recharge and bill, straight to your wallet
Google Play App Store
CIBIL 782Excellent · updated today
₹8,00,000 pre-approvedHDFC Bank · 10.75% · 5 yrs
₹5,00,000 pre-approvedAxis Bank · 11.25% · 4 yrs
Electricity bill due₹2,140 · pay, get ₹40 back

Earn by introducing business

If you already advise people on money, as an agent, a CA, a broker or a shop owner, become an HGL partner. You bring the customer. We handle the lender panel, the paperwork and the payout tracking.

Become a partner How payouts work
Monthly payoutsTracked per application, settled on a fixed cycle Your own dashboardEvery lead, its stage and expected payout 60+ lenders, one formSubmit once, we route to the likeliest yes Training includedProduct notes for every category we broker

Questions people ask first

No. The first check reads only what you tell us. It never contacts a bureau, so nothing is recorded against your file. A hard pull happens only later, at the lender's stage, and only after we name the bureau and you agree.

No. Har Ghar LMI is free for you. Lenders pay us a commission for introducing you. It is not charged to you and does not change your instalment.

No. We are a lending service provider. The loan is made by the RBI-regulated bank or NBFC you choose, who decides whether to lend and on what terms, and who is responsible for the loan afterwards.

For most unsecured loans: PAN, Aadhaar, three months of bank statements, and either salary slips or two years of ITR. Secured loans add property or asset papers. The exact list appears once you pick a lender.

Offers usually appear within minutes. Pre-approved personal loans are often disbursed the same day. Home loans and loan against property follow the lender's valuation and legal timeline, typically two to four weeks.

A one-page summary of the all-in annual rate, every fee, and the total you will repay. RBI requires it, and we make you pass through it before your application reaches any lender.