RBI-registered partners only

The smarter way to find your loan.

Compare offers from India's leading RBI-registered NBFCs and banks. No fees, no data brokerage, no spam.

Download Arthya App How it works

Verified lenders Bank-grade encryption 100% free for users

Sample personal loan offer

₹5,00,000 up to

Tenure 12–60 months · rates from 11.5% p.a.

No prepayment penalty
Disbursal in 24–72 hours
Soft-quote — no impact on credit score

Illustrative only. Final terms decided by the lender you choose.

Trusted partner ecosystem

Partner

How Arthya works

Three steps. No surprises. You stay in control the whole way.

1

Tell us what you need

Share your loan amount, tenure, and basic profile. Takes about a minute — no PAN, no Aadhaar, no documents.
2

We match you with lenders

See a curated list of RBI-registered NBFCs and banks whose products match your needs. Compare rates, tenures, and benefits side by side.
3

Connect with partners

Pick a lender and submit an inquiry through Arthya. They take it from there — verification, approval, and disbursal happen on the lender's side.

Honest by design

We're a marketplace, not a lender.

We are not a lender or financial institution. We connect users with RBI-registered NBFCs and banks. Every loan decision — eligibility, amount, interest rate, approval — is made by the lender you choose, not by Arthya.

What we never ask for

A short list — because predatory loan apps make a long one.

No PAN

We don't ask for your PAN to show you offers.
No Aadhaar

No Aadhaar number, no eKYC by Arthya.
No SMS access

The app never requests SMS read permission.
No contacts

We don't read your phonebook. Period.
No call logs

Call history stays private to your device.
No bank credentials

We don't ask for your net-banking password.

For everyone with a goal

Personal, business, and working-capital loans — matched to the way you actually earn.

Salaried

Personal loans with EMI options matched to your monthly income and tenure preference.

Self-employed

Loan products designed for freelancers and professionals with variable income.

Gig workers

Short-tenure options for delivery, ride-share, and platform workers — flexible repayment.

Business owners

Working-capital and business loans from partners that understand small businesses.

Ready to find your offer?

Free, secure, and built with the disclosures you deserve.

Download the app

Common questions

The honest answers people ask before downloading.

Is Arthya a lender?

No. Arthya is a loan marketplace — we help you discover and submit inquiries to RBI-registered NBFCs and banks. We do not issue loans, approve applications, or disburse funds. Every loan decision is made by the lender you select.

How much can I borrow?

It depends entirely on the lender and your eligibility. Different lenders on our platform offer different amounts — typically between INR 10,000 and INR 5,00,000 for personal loans. The actual amount you receive (if any) is decided by the lender based on your profile and their credit policy. Arthya neither sets nor guarantees the amount.

Will checking eligibility on Arthya affect my credit score?

No. We do not pull a credit report or credit score when you browse lender options or submit an inquiry through us. There is no soft pull, hard pull, or any other CIBIL / credit-bureau interaction triggered by Arthya. A credit pull may happen later if and when a Lender Partner you applied to decides to assess your application — that pull is initiated by the lender, not by us, and they will disclose it as part of their own process.

See all 21 FAQs

Get in touch

Questions, feedback, partnership inquiries — we read every message.

For grievances or escalations, please email grievance@shreerajdeepfinance.co .