BharatLoan: Personal Loan App

DEVMUNI LEASING & FINANCE LIMITED

About this app

BharatLoan is a trusted, RBI-compliant personal loan platform operated by Devmuni Leasing & Finance Ltd., an RBI-registered Non-Banking Financial Company (NBFC) holding Certificate of Registration No. 14.02719.
We help eligible salaried professionals across India access personal loans through a fully digital, transparent, and secure lending process.

🏦 Our Mission

To offer responsible, accessible, and reliable credit solutions to individuals during genuine financial needs—such as medical emergencies, home repairs, education, or utility payments—through a safe, transparent, and fully regulated digital lending ecosystem.

💡 Key Features

Unsecured Personal Loans — No collateral required; approval is based on your credit profile and submitted documents.
100% Digital Process — Apply, complete verification, and receive funds directly in your bank account without any physical paperwork.
Transparent Charges — No hidden fees; all charges are clearly disclosed before loan approval.
Flexible Repayment Options — Choose a repayment tenure from 61 to 365 days, depending on your eligibility.
RBI-Registered Lender — Loans are issued by Devmuni Leasing & Finance Ltd. and partner NBFCs listed on our official website.

📝 How It Works

Apply Online: Complete your loan application through the BharatLoan app.
Upload Documents: Provide PAN, address proof, and bank statements.
Verification: Your details are securely verified by our team.
Approval & Disbursal: Once approved, the loan amount is credited directly to your bank account.


👤 Eligibility

Must be an Indian Resident
Salaried Employee or Self-Employed
Minimum 25 years of age

📄 Required Documents

PAN Card
Identity & Address Proof
Bank Statement (last 3 months)
Passport-size Photograph

💰 Loan Details

Loan Amount: ₹5,000 – ₹5,00,000
Tenure: 61 – 365 days
APR (Annual Percentage Rate): Fixed at 35% p.a. (Maximum APR 35%)
Processing Fee: Up to 2% of the loan amount + GST (18%)
Prepayment: No prepayment penalty


📊 Representative Example

Loan Amount: ₹50,000
Tenure: 365 days
APR: 35% p.a.
Processing Fee: ₹1,000 + GST ₹180
Amount Disbursed: ₹48,820
EMI: ₹4,998
Total Repayment: ₹59,978
Total Interest: ₹9,978

Note: BharatLoan does not offer loans that require full repayment in 60 days or less, in accordance with Google Play’s Financial Services policy and RBI guidelines.

🏛 About Us

Devmuni Leasing & Finance Ltd. is an RBI-registered NBFC providing personal loans through the BharatLoan App.
All loans are issued in full compliance with the Reserve Bank of India’s digital lending framework.

Our registered office:
1st Floor Side-B, Plot No. 498, Udyog Vihar Phase 3, Gurugram, Haryana, 122016 

Our NBFC : https://www.devmunifinance.com/

🤝 Customer Support
🌐 Website: www.bharatloan.com
📞 Customer Care: [phone]
📧 Email: [e-mail]

What’s new

Improve application performance and fix some bugs