Arham Money — Money, Made Accessible
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FINANCE YOUR NEXT CHAPTER

Big plans.
Better possibilities.

Loans for your home, business and everything ahead. Get personal guidance to find your next step.

Free assessment · Personal guidance

A couple looking forward to their next chapter outside a contemporary home
A home
of your own
6 loan categoriesFree assessmentPersonal guidanceSurat · Mumbai · Ahmedabad

A loan for every ambition.

PLAN TODAY

Plan today.
Move forward confidently.

See what your monthly repayment could look like.

A little clarity goes a long way.

EMI calculator

₹25,00,000
8.5%
20 years
Estimated monthly EMI₹21,696
Illustrative estimate

Actual rates and eligibility depend on the lender and your profile. Fees are excluded.

From your first question
to your next big step.

A SIMPLER WAY FORWARD

01

Tell us your plans

Share a few details about what you’re looking for.

02

Get expert guidance

Talk to our advisors and explore options for your needs.

03

Take the next step

Get support with documentation and the loan process.

Your next chapter starts
with a conversation.

Get personal guidance for the plans that matter to you.

Speak to an advisor
All Loan Products
7 products · Tap any loan to expand & apply
🏠
Home Loan
Lowest rates · Up to ₹5 Cr · 30 Year tenure
▼
Interest Rate
📊 CIBIL Based
Max Amount
₹5 Crore
Max Tenure
30 Years
Finance your dream home with the most competitive rates. Available for purchase, construction, extension and renovation.
Instant sanction in principle within 48 hours
Balance transfer available from other banks
Top-up loan facility for existing customers
🚗
Car Loan
New & used · Up to ₹50 L · 7 Year tenure
▼
Interest Rate
📊 CIBIL Based
Max Amount
₹50 Lakh
Max Tenure
7 Years
Drive your dream car today — new or used vehicles financed at competitive rates with minimal documentation.
Up to 100% on-road price financing
Pre-approved offers for salaried customers
Quick disbursal within 24 hours
👤
Personal Loan
No collateral · Up to ₹40 L · 5 Year tenure
▼
Interest Rate
📊 CIBIL Based
Max Amount
₹40 Lakh
Max Tenure
5 Years
No collateral needed. Instant disbursal for any purpose — travel, medical, wedding, or home renovation.
100% digital paperless process
Disbursal in as little as 2 hours
Flexible repayment with no prepayment penalty
💼
Business Loan
Unsecured · Up to ₹2 Cr · 10 Year tenure
▼
Interest Rate
📊 CIBIL Based
Max Amount
₹2 Crore
Max Tenure
10 Years
Scale your business instantly — working capital, equipment, expansion or inventory. No collateral required.
Minimal documentation for registered businesses
Overdraft facility available
Quick sanction for GST-registered businesses
🎓
Education Loan
India & abroad · Up to ₹1 Cr · 15 Year tenure
▼
Interest Rate
📊 CIBIL Based
Max Amount
₹1 Crore
Max Tenure
15 Years
Fund your studies in India or abroad. Moratorium period available during course duration with easy repayment.
Covers tuition, living & travel expenses
Repayment begins after course completion
Income tax benefit under Section 80E
🏢
Loan Against Property
Secured · Up to ₹10 Cr · 20 Year tenure
▼
Interest Rate
📊 CIBIL Based
Max Amount
₹10 Crore
Max Tenure
20 Years
Unlock the hidden value of your residential or commercial property for business or personal needs.
Residential and commercial properties accepted
Overdraft facility against property
Retain use of property during loan tenure
🛵
Two Wheeler Loan 🔜 Coming Soon
Easy EMI · Up to ₹3 L · 5 Year tenure
▼
Interest Rate
CIBIL Based
Max Amount
₹3 Lakh
Max Tenure
5 Years
Two Wheeler Loan is coming soon! We are working on bringing you the best bike & scooter financing options. Stay tuned.
All brands & models will be covered
Competitive rates based on CIBIL score
Register interest now — be first to know
EMI Calculator
Plan your monthly loan repayments
EMI Calculator
Adjust sliders to calculate your monthly EMI
Monthly EMI
₹0 /month
Loan Amount
—
Total Interest
—
Total Payable
—
Down Payment Principal Interest
💵 Down Payment Saves Interest
Yrs
% p.a.

*Rate shown is indicative only. Actual interest rate depends on your CIBIL Score, lender policy & profile. T&C Apply.

About & More
Company info, FAQs & contact
🏢 About Arham Money
Money, Made Accessible.

Arham Money is the loan and credit assistance vertical of Arham, built to help individuals, families, professionals and businesses access the right financial support with clarity and confidence.

Our role is to simplify the loan journey. We help customers understand available loan categories, documentation requirements, eligibility considerations and next steps — so they can make informed borrowing decisions.

We do not believe in confusing customers with complicated terms. Our focus is to help you understand the available route, the expected process, documentation required and next steps clearly.

We Assist With
PersonalHome, Education, Car, Personal, Mortgage Loans
BusinessBusiness Loans, Working Capital, Machinery, Construction, Project Loans
InvestmentLoan Against Shares & Securities, Overdraft Facility
LocationsSurat, Mumbai, Ahmedabad & expanding
✦ Why Choose Arham Money?
Simple guidance. Clear process. Personal support.
🔍
Guided Loan Assessment
We understand your requirement and profile before suggesting the next step.
📋
Multiple Loan Categories
From home loans and education loans to business loans, working capital and loan against shares.
🏠
Doorstep Support
Our team can assist with document collection and process guidance where available.
💬
Transparent Communication
We explain the expected process, documentation and lender requirements clearly before you proceed.
💼
Business & Personal Loans
Support for both individual borrowers and business owners looking for structured credit solutions.
🤝
Arham Ecosystem Advantage
Backed by Arham's broader financial services presence with a relationship-led approach.
⚙️ How It Works
Your Loan in 4 Simple Steps
01
Share Your Requirement
Fill out the enquiry form with your loan type, amount, city, income details and contact information.
02
Our Team Reviews Your Profile
An Arham Money advisor will review your requirement, eligibility, documentation and loan purpose.
03
Document Guidance
Our team guides you on the documents required for the selected loan category.
04
Next-Step Assistance
Based on your profile and eligibility, our team helps you proceed with the suitable loan process.
❓ Frequently Asked Questions
Do you directly provide loans?
▼
Will filling the form guarantee loan approval?
▼
Is the loan assessment free?
▼
What documents are usually required?
▼
How soon will your team contact me?
▼
Can businesses apply through Arham Money?
▼
Can I apply for Loan Against Shares?
▼
📞 Contact Us
Let's help you find the right loan route.

Have a requirement? Share your details and our advisor will get in touch.

📞
Gujarat
+91 90330 75847
›
📍
Locations
Surat, Mumbai, Ahmedabad & expanding locations
📄 Important Disclaimer
*T&C Apply. Rates depend on your CIBIL Score, lender policy, loan amount, tenure & borrower profile. The EMI calculator shows indicative figures only. Arham Money is a loan facilitation platform; all approvals are at the sole discretion of the respective lender.

Arham Money provides loan assistance, enquiry support and documentation guidance. Loan approval, sanction, interest rate, tenure, charges, loan-to-value, repayment structure and disbursement are subject to the sole discretion, eligibility criteria and policies of the concerned lender or financial institution. Submission of an enquiry does not constitute a loan offer, approval or sanction. Customers are advised to read all terms, conditions and charges carefully before proceeding.

⚖️ Compare Loans
City-specific comparison coming soon
⚖️
🔜 Coming Soon
Loan Comparison
Surat & Mumbai

We're building an accurate, city-specific comparison tool with real verified rates from banks & NBFCs in Surat and Mumbai. The feature will be live soon!

📍
City-Specific Rates
Verified rates for Surat & Mumbai lenders
🏦
10+ Lenders Side-by-Side
SBI, HDFC, ICICI, Axis, Kotak & more
📊
CIBIL-Based Ranges
Rates shown based on your actual CIBIL profile
⚡
EMI & Total Cost View
Compare monthly EMI & total interest across lenders

*Actual rates depend on CIBIL Score, lender policy & borrower profile. T&C Apply.
Arham Money is a loan facilitation platform — not a direct lender.

Loan Products
7 products · Tap to apply instantly
₹ All Loan Products
7 products · Tap to apply instantly
₹ Loan Products
🏠
Home Loan
Finance your dream home with competitive rates
📊 Rate depends on CIBIL Score · T&C Apply
Interest Rate
CIBIL Based*
Max Amount
₹5 Cr
Max Tenure
30 Years
EMI for ₹25L at 8.5% for 20 years
₹21,710/month
Total payable: ₹52.10L · Interest: ₹27.10L
🔑 Key Features
Instant sanction in principle within 48 hours
Balance transfer available from any other bank
Top-up loan facility for existing customers
Covers purchase, construction, extension & renovation
📋 Eligibility
Age21–65 years
Min Income₹25,000/month
CIBIL Score700+
Processing Fee0.5% of loan amt
🚗
Car Loan
New & used vehicles at unbeatable rates
📊 Rate depends on CIBIL Score · T&C Apply
Interest Rate
CIBIL Based*
Max Amount
₹50 L
Max Tenure
7 Years
EMI for ₹8L at 9.2% for 5 years
₹16,691/month
Total payable: ₹10.01L · Interest: ₹2.01L
🔑 Key Features
Up to 100% on-road price financing available
Pre-approved offers for salaried customers
Quick disbursal within 24 hours
New & pre-owned cars both eligible
📋 Eligibility
Age21–60 years
Min Income₹20,000/month
CIBIL Score680+
Processing Fee₹2,500–₹5,000
👤
Personal Loan
No collateral — instant disbursal for any purpose
📊 Rate depends on CIBIL Score · T&C Apply
Interest Rate
CIBIL Based*
Max Amount
₹40 L
Max Tenure
5 Years
EMI for ₹5L at 10.5% for 3 years
₹16,240/month
Total payable: ₹5.85L · Interest: ₹0.85L
🔑 Key Features
100% digital paperless process
Disbursal in as little as 2 hours
Flexible repayment with no prepayment penalty
Use for travel, medical, wedding, or renovation
📋 Eligibility
Age23–58 years
Min Income₹30,000/month
CIBIL Score720+
Processing Fee1–2% of loan amt
💼
Business Loan
Scale your business instantly — no collateral
📊 Rate depends on CIBIL Score · T&C Apply
Interest Rate
CIBIL Based*
Max Amount
₹2 Cr
Max Tenure
10 Years
EMI for ₹20L at 11% for 5 years
₹43,471/month
Total payable: ₹26.08L · Interest: ₹6.08L
🔑 Key Features
Minimal documentation for registered businesses
Overdraft facility available
Quick sanction for GST-registered businesses
Working capital, equipment & expansion purposes
📋 Eligibility
Business AgeMin 2 years
Annual Turnover₹15L+
CIBIL Score700+
Processing Fee1–2% of loan amt
🎓
Education Loan
India & abroad — moratorium during course
📊 Rate depends on CIBIL Score · T&C Apply
Interest Rate
CIBIL Based*
Max Amount
₹1 Cr
Max Tenure
15 Years
EMI for ₹10L at 9.0% for 10 years
₹10,269/month
Total payable: ₹12.32L · Interest: ₹2.32L
🔑 Key Features
Covers tuition, living & travel expenses
Repayment begins after course completion + 6 months
Income tax benefit under Section 80E
No collateral for loans up to ₹7.5 Lakh
📋 Eligibility
Age16–35 years
Co-applicantParent/Guardian
AdmissionConfirmed admission
Processing FeeNil for students
🏢
Loan Against Property
Unlock the hidden value of your property
📊 Rate depends on CIBIL Score · T&C Apply
Interest Rate
CIBIL Based*
Max Amount
₹10 Cr
Max Tenure
20 Years
EMI for ₹50L at 10% for 15 years
₹53,735/month
Total payable: ₹96.72L · Interest: ₹46.72L
🔑 Key Features
Residential and commercial properties accepted
Overdraft facility against property
Retain use of property during loan tenure
Up to 70% LTV on property value
📋 Eligibility
Age25–65 years
PropertyClear title, no dispute
CIBIL Score700+
Processing Fee1% of loan amt
🛵
Two Wheeler Loan
🔜 Coming Soon

We're working hard to bring you the best two-wheeler financing options across Surat & Mumbai. Register your interest now and be the first to know when we launch!

What to expect at launch:
✓ All bike & scooter brands covered
✓ Rates based on CIBIL Score · T&C Apply
✓ Minimal documentation, fast approval
✓ Covering Surat & Mumbai

*Rate will depend on CIBIL Score upon launch. T&C Apply.

⚡ Free Loan Assessment
Check your eligibility in 60 seconds
Step 1 of 425%
🎯
What loan are you looking for?
Select the loan type to check your eligibility
Loan Amount ₹10 Lakh
₹1L₹5 Cr
👤
Your Basic Details
We need a few details to assess your eligibility
💰
Income & Credit Profile
This helps us calculate your loan eligibility accurately
Monthly Income ₹30,000
₹10K₹5L+
Current EMIs ₹0
₹0₹1L
✅
You Are Eligible!
Based on your profile, you qualify for the loan amount requested.
✦ Pre-approved eligibility
Eligibility Factors
📊 CIBIL Score Checker
Free · Instant · No impact on your score
Your CIBIL Score
—
300PoorFairGood900
Poor
300–549
Fair
550–649
Good
650–749
Excellent
750–900

🔒 Your data is 256-bit encrypted. Checking your score does not affect it.

Arham Money™
Arham Money™
📞Gujarat: +91 90330 75847 ✉️Customercare@arhammoney.com
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