Credit Bandhu is a DSA (Direct Selling Agent) for multiple banks & NBFCs. We act as a bridge — we help you find the best loan option, assist with documentation, and facilitate approvals faster.
We provide:
Personal Loans
Business Loans
Overdraft Facility
Once all documents are submitted correctly, most approvals are processed within 24–72 hours. The exact time depends on the lender’s verification processes.
Typical documents required include:
Identity Proof (Aadhaar, PAN, Passport, etc.)
Address Proof (Utility bill, Aadhaar, etc.)
Income Proof (Salary slips / ITRs / Bank statements)
Employment or business proof
Other documents specific to the type of loan
While it depends on the lender, typically a CIBIL score of 650+ increases your chances. Even if your score is lower, we can try to find a lender with lenient criteria.
A soft enquiry (when we check your eligibility) doesn’t affect your score. Only hard enquiries (when your full application is submitted) may impact it slightly.
Once your application is submitted, we’ll provide you with reference details or tracker (if available) so you can check status. You can also contact our support team anytime.
Yes — we stay in touch. If you face any issues, want to change payment method, or need help understanding statements, we assist you.
Absolutely. We work with lenders who accept income documents from self-employed individuals — like ITR, profit & loss statements, bank statements, etc.
No. We believe in full transparency. All applicable charges (processing fee, service fee, etc.) will be communicated to you before you sign. There are no surprise or hidden costs.
Interest rates vary based on your credit profile, loan type, and tenure. You can use our Loan Calculator on site to estimate your EMI, interest, and total payment.
Yes, most lenders allow prepayment or foreclosure, though some may charge a small prepayment penalty. We’ll check with the lender for your specific loan whether this applies.
Missing an EMI may attract late payment charges, and prolonged defaults could impact your credit score. We advise you to inform us or the lender immediately if you face financial difficulty — we’ll assist to find a solution.
Yes, that’s possible. If you find a better deal, we can help you explore balance transfer options or refinancing to lower rates.
No, we usually earn commission from the lending partner, not from you. You won’t pay extra for our advisory service.