Secure the Right Loan at the Lowest Bank Interest Rate
Compare verified interest rates across 35+ top scheduled banks. Zero advance fees, 100% transparent advisory, and end-to-end doorstep documentation support.
Check Your Loan Eligibility
Does not impact your CIBIL score. Free instant calculation.
Compare All Loan Products Across 35+ Banks
From working capital for MSMEs to long-term home mortgages, choose your required funding.
Business & MSME Loans
Collateral-free CGTMSE loans & working capital facilities for manufacturing, services, and trading firms.
- Amount: ₹10 Lakhs to ₹20 Crores
- Tenure: Up to 84 Months
- CGTMSE Scheme Coverage Available
Home Loans & Balance Transfer
New home purchase, construction funding, and balance transfer with top-up to reduce your existing monthly EMI.
- Amount: ₹15 Lakhs to ₹15 Crores
- Tenure: Up to 30 Years
- Zero Foreclosure Charges (Floating)
Loan Against Property (LAP)
Unlock liquidity from your commercial, industrial, or residential property for business expansion.
- Amount: Up to 70% of Property Value
- Tenure: Up to 15 Years
- Residential, Commercial, Industrial
Machinery & Equipment Loan
Hypothecation of equipment with up to 90% LTV on invoice value for modernizing manufacturing capacity.
- Amount: ₹20 Lakhs to ₹10 Crores
- Tenure: Up to 7 Years
- Fast Vendor Disbursal
Plan Your Repayment & Savings
Accurate mathematical formulas matching RBI amortization guidelines.
Central & State MSME Credit Support Schemes
We guide you through documentation and bank sanctions under official government incentive schemes.
PMEGP Scheme (Prime Minister Employment Generation)
Financial assistance for setting up new micro-enterprises in manufacturing (up to ₹50 Lakhs) and service sectors (up to ₹20 Lakhs).
CGTMSE Scheme
Credit Guarantee Fund Trust for Micro and Small Enterprises provides guarantee coverage up to ₹500 Lakhs without third-party collateral.
Stand-Up India Scheme
Bank loans between ₹10 Lakhs and ₹100 Lakhs to at least one SC or ST borrower and at least one woman borrower per bank branch.
Borrower Readiness & Documentation Guides
Everything you need to get your file ready before applying to any bank.
MSME Loan Dossier Checklist
Complete 18-point document index required by PSU and private banks for business sanction.
CIBIL 750+ Repair Blueprint
Step-by-step 90-day action plan to rectify DPDO errors, settle old write-offs, and boost score.
Balance Transfer & Foreclosure Kit
Official notice draft for existing bank, list of documents (LOD) template, and ROI worksheet.
Clear Answers to Common Loan Questions
Absolutely NOT. Fair Credit operates on a strict Zero Advance Fee policy. We never ask for inspection charges, advance service fees, or cash payments. All statutory processing fees are deducted directly by the sanctioned bank from your disbursal amount.
For prime rates, a CIBIL score of 720+ is preferred. However, if your score is between 650 and 700 due to past technical issues or lack of credit history, we work with specialized partner NBFCs and co-operative banks that evaluate cash flows and GST turnover rather than automated score cut-offs.
A Balance Transfer moves your existing high-interest loan (e.g. 10.5%) to a new bank offering a lower interest rate (e.g. 8.4%). At the same time, you can request an additional Top-Up amount for personal or business needs at the same lower home loan rate.