RBI Fair Practices Code Transparent Reducing-Balance Lending Across India
Mon – Sat · 9:30 AM – 6:30 PM Schedule of Charges Grievance Redressal
Direct Digital Lending · Ghaziabad & Pan-India

Structured, transparent financing for education, business, and personal milestones.

From global university admissions and MSME working capital to clinic expansion and personal liquidity — Shreeyansh Edufin delivers predictable reducing-balance credit with clear fee disclosures and disbursal within 48 hours.

Indian couple reviewing loan sanction terms and repayment schedule
RBI Fair Practices Compliant 100% upfront APR & fee disclosure prior to agreement execution
Zero Hidden Charges
100% Digital KYC Paperless verification
Reducing Balance Transparent interest math
24–48 Hours Sanction to bank credit
₹250 Cr+ Loans disbursed
25,000+ Happy borrowers
48 hrs Average disbursal
4.8 / 5 Customer rating
Repayment Planner

Calculate your monthly EMI and amortisation schedule

Select a loan product and adjust principal amount, annual interest rate, and tenure to inspect your monthly installment and principal-to-interest ratio.

Open full-page calculator
Select Loan Facility
₹
₹50K₹25 Lakh
%
5% p.a.30% p.a.
Yr
1 Yr5 Yr
Estimated Monthly Installment (EMI)
₹16,488/ month
Principal Amount₹5,00,000
Total Interest Payable₹0
Total Repayment (Principal + Interest)₹0
Proceed with this structure

Calculated on a monthly reducing-balance basis. Processing fees and statutory taxes are separate as per the Schedule of Charges.

Repayment Amortisation Schedule

Periodic breakdown of principal recovery, interest expense, and declining balance.

YearPrincipal (₹)Interest (₹)Total EMI Paid (₹)Closing Balance (₹)Principal Repaid
100% Digital Underwriting · Zero Paperwork

How to apply for a loan — from online inquiry to instant disbursal

A predictable 5-stage digital journey engineered to sanction and credit your loan without repeated branch visits.

24–48 Hours Avg. Bank Disbursal
100% Paperless Aadhaar OTP e-Sign
01 60 Sec

Online Inquiry

Choose loan amount, tenure & submit basic contact information.

Zero CIBIL Impact
02 2 Mins

Instant Pre-Check

Algorithmic eligibility match across 12+ banking partners in real-time.

Real-Time Quotes
03 3 Mins

Paperless KYC

Fast soft-copy upload of Aadhaar, PAN & digital banking statement.

Bank-Grade 256-Bit
04 Same Day

Sanction Approval

Formal sanction letter issued with transparent reducing APR terms.

Zero Hidden Cost
05 Instant

Direct Disbursal

Aadhaar OTP e-Sign agreement for direct RTGS/NEFT account credit.

Direct Bank Transfer
Zero branch visits required
Transparent reducing interest rates
Dedicated loan relationship officer
Direct Empanelled Alliances · Institutional Lending Network

Our Associate Banking & NBFC Partners

Associated directly with India’s leading scheduled commercial banks and RBI-registered NBFCs. Compare real-time underwriting criteria, unlock multi-lender quotes, and secure preferential reducing interest rates under one roof.

12+ Empanelled Partners Direct Institutional Tie-ups
100% RBI Regulated Fair Practices Code
Single Soft-Pull Zero Impact on CIBIL
01 / 03
Commercial Bank HDFC

HDFC Bank

Scheduled Commercial Bank
Starting 10.25% p.a.
Instant In-Principle Sanction
Personal Business Education Home Loan
Commercial Bank ICICI

ICICI Bank

Scheduled Commercial Bank
Sanctions up to ₹5 Cr
Pre-Approved Digital Disbursal
Personal Business Doctor Loan Mortgage
Commercial Bank KOTAK

Kotak Mahindra Bank

Scheduled Commercial Bank
Zero Processing Fee Options
100% Paperless Digital Journey
Personal Salaried Professional Line
Public Bank BOB

Bank of Baroda

Premier Public Sector Bank
Lowest Reducing ROI
Government Backed Lending Slabs
Education (Global) Home Loan MSME
Commercial Bank INDUS

IndusInd Bank

Scheduled Commercial Bank
Flexible Tenure to 7 Yrs
Fast-Track Underwriting
Business Loan Personal Working Capital
Commercial Bank AU

AU Small Finance Bank

Scheduled Commercial Bank
High Approval Ratio
Tailored for Emerging Enterprises
MSME Self-Employed Commercial Asset
NBFC Partner BAJAJ

Bajaj Finserv

Upper-Layer NBFC
Flexi Hybrid Facility
Pre-Approved Instant Limits
Flexi Personal Business Professional
NBFC Partner TATA

Tata Capital

Systemically Important NBFC
Tata Heritage & Trust
Zero Hidden Foreclosure Rules
Personal Business Growth Equipment
NBFC Partner PIRAMAL

Piramal Finance

Retail & Housing NBFC
Affordable Credit Access
Pragmatic Cash-Flow Assessment
Housing Loan LAP Micro-Business
NBFC Partner CHOLA

Cholamandalam (Chola)

Composite Tier-1 NBFC
Pan-India Branch Reach
Multi-Collateral & Secured Credit
MSME LAP Vehicle Asset Enterprise
MSME NBFC PROFECTUS

Profectus Capital

Specialized MSME NBFC
Manufacturing & Capex
Customized Business Structured Debt
Machinery Working Capital Industrial
Housing Finance VASTU

Vastu Housing Finance

National Housing Finance (HFC)
Tenures up to 20 Years
Affordable Housing & Construction
Home Purchase Plot + Build Self-Employed
Borrower Experiences

Trusted by over 25,000 happy borrowers across India

Verified reviews from students, Chartered Accountants, doctors, MSME owners, and salaried families who financed their milestones with us.

01 / 06
Education Loan · ₹34 Lakh
“The team explained every rupee of the cost before I signed. My MS in Germany was sanctioned in under ten days, and the academic moratorium gave me complete breathing room to settle in abroad.”
P
Priya Deshmukh MS in Data Science · Pune to Munich
Business Loan · ₹28 Lakh
“I needed working capital ahead of the festive inventory cycle. Shreeyansh evaluated my GST and banking cash flows pragmatically, structured the EMIs around my receivables, and disbursed in 48 hours.”
R
Rakesh Agarwal Textile Distributor · Nashik
Professional Loan · ₹42 Lakh
“Setting up my dental clinic with digital CBCT equipment felt overwhelming until I spoke to their Ghaziabad desk. Minimal paperwork, a transparent reducing-balance rate, and zero collateral requirement.”
D
Dr. Ananya Kulkarni MDS Prosthodontist · Mumbai
Professional Loan · ₹30 Lakh
“Upgrading our firm’s infrastructure, hiring qualified staff, and digitizing operations required timely capital. The documentation process was fast, digital, and delivered one of the best interest rates in the market.”
C
CA Manoj Desai Practicing Chartered Accountant · Hubli
Personal Loan · ₹12 Lakh
“When we had to fund a family medical procedure and home renovation simultaneously, the online eligibility check gave an accurate figure immediately. Funds reached my account the very next afternoon.”
V
Vikramaditya Joshi Senior Software Architect · Bengaluru
Working Capital · ₹20 Lakh
“Our working capital facility of ₹20 Lakh was sanctioned and disbursed within days of submitting the online application. Professional coordination with banking partners and zero hidden charges.”
S
Star Teleinfomatics Telecom & IT Enterprise · Delhi NCR
Professional Loan · ₹35 Lakh
“With no hidden charges and clear prepayment clauses in the Key Fact Statement, the firm provided the exact funds I needed to expand my practice. From application to disbursal, the process was completely smooth.”
C
CA Akshay Jain Chartered Accountant · Jaipur
Business Loan · ₹18 Lakh
“Very convenient and without any follow-up hassle. Fast response from the advisory team, accurate guidance on documentation, and quick disbursal directly into our current account.”
R
Rukmini Choudhary Retail Entrepreneur · Indore
4.8 / 5 Borrower Rating Based on 25,000+ disbursed accounts across India
Common Questions

Frequently asked questions

Key details regarding our credit appraisal process, required documentation, CIBIL score norms, and repayment flexibility.

Need specific clarification?

Speak directly with our loan advisory desk during working hours (Mon–Sat, 9:30 AM – 6:30 PM).

Contact our credit desk
What makes Shreeyansh Edufin different from other lenders?
We combine multi-lender banking access with strict fee transparency: zero hidden charges, complete disclosure of annualised interest rates and processing fees in your Key Fact Statement before you sign, digital documentation, and a 24–48 hour disbursal turnaround.
Will checking my loan eligibility impact my CIBIL credit score?
No. Our online eligibility checker is a soft pre-qualification tool. It evaluates your declared income, FOIR obligations, and credit band without triggering a hard credit bureau inquiry.
What minimum credit score and salary are required to apply?
For salaried personal loans, a minimum monthly take-home salary of ₹18,000–₹20,000 and a credit score of 675–700+ are preferred. Higher credit scores (750+) unlock our lowest interest slabs across banks and NBFCs.
What documents do I need to prepare before applying?
For most facilities, soft copies of basic KYC (PAN and Aadhaar), the latest 3 months’ salary slips or 2 years’ ITR, and the last 6 months’ primary bank statement are sufficient. Education loans additionally require an institution admission letter and fee schedule.
Can I prepay or foreclose my loan early?
Yes. Part-prepayment and full foreclosure are permitted after completing the initial lock-in period (typically 6 monthly EMIs, and nil foreclosure charges on education loans). Exact product-wise terms are published on our Rates & Charges page.
How soon are funds credited after loan approval?
Once verification is complete and the digital loan agreement is executed via Aadhaar OTP e-Sign, funds are transferred directly to your bank account via NEFT/RTGS within 24 to 48 hours.

Ready to discuss your financing requirement?

Submit an online application in minutes or speak with our senior credit advisor for structured loan terms.