Finheal Capital - Instant Loan, Quick Online Loan

Finheal Capital is an Instant Personal Loan App & Credit Platform for all Professionals across India, where one can apply for Personal Loan Online & avail up to ₹5 Lakh as Direct Cash Transfer to Bank Account.

Loans range from ₹5,000 to ₹500,000

Tenure: 62 days to 15 months. Interest rates range from 0%-29.95% depending on risk profile of customer and product availed

Example: If loan amount is ₹50,000 & interest is 22% per annum with tenure of 62 days; after deducting any other fees

Interest = ₹50,000 x 22%/365 x 62 = ₹1,868

Why Finheal Capital?

1. Apply anytime from anywhere.
2. All Indian citizens from anywhere across India are eligible.
3. Customers with low or no credit history are eligible.
4. Quick decision.
5. When approved, the sanctioned amount is credited to your bank account immediately.
6. Convenience of multiple repayment methods.
7. No pre-payment penalty if loan is repaid before due date.

How does Finheal Capital works?

1. Install the Finheal Capital App from the Play Store.
2. Register an account.
3. Select the product you would like to apply for
4. Fill out the contents and upload relevant documents then submit the application
5. After the submission, you may receive a call for verification. The final application result will be shown in the APP and you will be informed by SMS if approved.
6. Provide the consent with the loan agreement after the approval
7. After the confirmation of the loan agreement, the approved loan amount will be disbursed in the account and a SMS notification will be sent.


1. 100% Online process
2. Minimal documentation
3. Fast approval
4. Immediate bank transfer


1. Indian resident
2. Above the age of 21 years
3. Should have monthly source of income

Amount, Tenure, Fees & Charges

Loans amount: ₹5,000 to ₹500,000, Tenure: 62 days-15 months. Interest rates range from 0%-29.95% with equivalent monthly interest rate of 0%-2.49% only. A small processing fee is charged for loans e.g. for low risk customers 0%-3% of the principal, for very high-risk customers 2.5%-6.5%*. The charges and repayment tenures vary based on creditworthiness and repayment ability of the customers.

Penalty is charged only when someone delays their scheduled payment.

The APR for different products is separate as per the risk profile of the customers. The APR for different personal loan products: low risk customers is 0%-36%, medium risk customers is 18%-39%, high risk customers is 24%-42%* and very high-risk customers is 24%-70%*.

In addition to it, GST will be applicable only on the fee components as per Indian laws.

*The higher charges are only for loans of lower amount and lower repayment tenure.


A new low risk customer availing personal loan for salaried can avail a loan of ₹50,000 at an interest rate of 22%, processing fee of ₹1,250 for a period of 12 months . This would translate to an APR 25.2%.
Interest Calculation

If loan amount is ₹50,000 & interest is 22% per annum; and loan is to be repaid over 12 EMIs, then overall interest payable is ₹6,157 only. The EMI per month would be ₹4,680 only.


All the transactions are secured via a 256-bit SSL encryption.

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Minor Bugs Resolved
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Additional Information

November 27, 2020
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
Finheal Capital
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