Instant money & credit solutions for every ambition.
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Trusted RBI-Registered NBFC since 1995
Instant money & credit solutions for every ambition.
Credit that reaches where banks stop.
Built for the shop owner, the salaried family and the property owner. Indicative reducing-balance rates; your final rate depends on credit profile and security.
Working capital and term loans for shops, workshops and small enterprises — the businesses our field teams know personally.
For medical needs, education, weddings and family expenses, with minimal documentation and quick assessment.
Unlock the value of residential or commercial property you already own, with flexible tenure and transparent paperwork.
Know your monthly instalment before you apply
Set the amount, rate, tenure and processing fee. Your instalment is calculated on a reducing balance, the way JKFPL lends.
Your EMI above is calculated on a reducing balance. The equivalent flat rate is the flat rate that would cost you the same. The EMI beside it shows what you would pay if the same {{ rateL }} were charged flat instead.
Indicative figures only · No hidden charges
How much can you borrow?
Your FOIR — fixed obligation to income ratio — updates as you type. It shows how much of your monthly income is already committed and what remains for a new instalment.
Indicative estimate using FOIR. Not a sanction or offer. Final eligibility depends on credit bureau score, documents and JKFPL credit policy.
Proceed to apply →Four steps from application to disbursal
Digital onboarding with OTP-based KYC, in line with RBI norms.
Bureau checks with TransUnion CIBIL, CRIF and Equifax, plus cash-flow analysis.
Personal discussion and verification, especially in rural and semi-urban markets.
Secure electronic transfer to your bank account, with EMI reminders and multiple repayment modes.
