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Get Personal Loan
Up to ₹10 Lakh

Need funds for your personal needs? Ganpati Finance offers personal loans ranging from ₹50,000 to ₹10,00,000* with competitive interest rates starting at 8% per annum*. Choose repayment tenures from 12 to 120 months with flexible EMI options.

Apply now and move forward with confidence. *T&C Apply.

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about us


Empowering Dreams Enabling Lives.

At Ganpati Finance, we believe that financial support should be fast, fair, and accessible to everyone — anytime, anywhere. Founded with a mission to simplify lending, we provide Easy personal loans to individuals who need funds without the hassles of paperwork, long queues, or complex terms. With a technology-first approach and a customer-first mindset, Ganpati Finance offers quick disbursal, flexible EMIs, and complete transparency. Whether it's a family wedding, a medical emergency, a travel plan, or a home renovation, Ganpati Finance is here to back you when it matters most. We don’t just offer loans — we build financial confidence.

Who We Are

Ganpati Finance is a trusted personal loan provider offering quick and easy financial solutions.

Our Mission

To make loans simple, fast, and accessible for everyone in need.

Why Choose Us

Easy approval, Start low interest, minimal paperwork, and secure processing

Our Vision

To empower every Indian with smart and safe financial services.

more about us
Ganpati Finance

Get Personal Loans with Trusted & Transparent Process
Only at Ganpati Finance

Looking to expand your customer base, or upgrade your business tools? Ganpati Finance Personal Loan helps you do just that —by giving you Easy access to funds when you need them most.

Loan Image

Your Trusted Partner in Financial Assistance

Loan Details

💰 Min Loan:
₹50,000
💵 Max Loan:
₹20,00,000
📉 Minimum Interest From:
8% p.a.
📈 Interest Upto:
17.5% p.a.
⏳ Min Tenure:
12 Months
🕒 Max Tenure:
10 Years
🧾 Processing Fee:
2% of Loan Amount
❌ EMI Bounce:
₹590/-
🔓 Pre-Closure:
No Charges
Why Choose Ganpati Finance ?

Flexible terms and reliable service with a commitment to trust and transparency.

Why Us


Why Choose Ganpati Finance for Your Personal Loan

Ganpati Finance is dedicated to providing personal loan solutions tailored for individuals, including salaried professionals, self-employed persons, and other eligible applicants. Our aim is to offer reliable financial support through a simplified and transparent process — helping you meet your personal needs with ease.

01

Submit Your Application

Fill out our simple online form with your details to start your loan application.

02

Upload Required Documents

Submit essential documents like PAN, Aadhaar, and income proof as per your eligibility.

03

Application Review

Our team verifies your information and documents to ensure smooth processing.

04

Loan Approval

Receive approval notification once your application meets all criteria.

05

Loan Disbursal

The approved loan amount is transferred securely to your bank account.

06

Repayment & Support

Flexible EMI options with dedicated support to assist you throughout the repayment period.

Ganpati Finance

📢 Personal Loan Disclosure Details

Minimum APR

8%

Maximum APR

17.5%

📌 Interest Rates:
Our personal loan interest rates start from as low as 8% per annum, based on your credit score, repayment history, and financial profile. Final rates are determined by the lending partner after a complete application review.

✅ Eligibility Criteria:
Approval is subject to completion of:

  • KYC verification (PAN, Aadhaar, etc.)
  • Income & employment assessment
  • Creditworthiness evaluation

📈 Annual Percentage Rate (APR):
For loans disbursed between 01 January 2024 to 31 December 2025, the APR ranges between:
🔹 Minimum APR: 8%
🔸 Maximum APR: 17.5%
This includes interest, processing fees, and charges as per Indian regulatory guidelines.

🕒 Repayment Tenure:
Flexible repayment options are available:
🔽 Minimum: 12 Months
🔼 Maximum: 240 Months (20 Years)
Longer tenures help reduce monthly EMIs and increase affordability.

📊 Representative Loan Example

  • 💼 Loan Amount: ₹1,00,000
  • 📉 Interest Rate: 8% p.a.
  • 📅 Tenure: 24 months
  • 💸 EMI: ₹4,523/month
  • 💰 Total Interest Payable: ₹8,552
  • 🔁 Total Repayment: ₹1,08,552
⚠️ Loan terms and final offers are based on the lender's approval post verification. Rates, tenure, and eligibility criteria may vary.
Terms & Conditions apply.

Personal Loan Solutions Tailored for Every Need

Wedding Loans

Make your big day truly memorable — without financial stress. Cover venue costs, jewelry, travel, or catering with ease.

Medical Emergency Loans

Handle unexpected health expenses with quick and easy financing — because life doesn’t wait for paperwork.

Education & Skill Loans

Fund higher studies, online courses, or certifications. Learn now, pay later with flexible EMIs and zero stress.

Travel & Vacation Loans

Explore your dream destination without delay. Get Easy funds for travel, hotel, and experiences — stress-free.

Home Renovation Loans

Give your space a modern upgrade. Finance your interiors, repairs, or furnishing needs Easyly with us.

Business & Side Hustle Loans

Start, grow, or scale your business with ease. Perfect for freelancers, small shops, and self-starters.

Debt Consolidation Loans

Combine multiple high-interest debts into one manageable EMI. Save more and clear your dues faster with ease.

Vehicle Repair Loans

Need urgent repairs or upgrades for your car or bike? Get Easy cash to stay on the road without delay.

Festival & Celebration Loans

Celebrate festivals, birthdays, or special occasions without financial worry. Make moments bigger with small EMIs.

Women Empowerment Loans

Special loans for women entrepreneurs, homemakers, and professionals — to help you rise independently and confidently.

Gadget & Electronics Loans

Need a laptop, smartphone, or camera for work or study? Buy now, pay later with fast personal loans.

Relocation & Rental Deposit Loans

Shifting to a new city? We help you cover moving expenses or hefty rental deposits without burden.

Eligibility & Criteria

To Apply at Ganpati Finance

👤
Age Limit
  • 1. Salaried Individuals: 21 to 60 years
  • 2. Self-Employed/Business Owners: 25 to 65 years
💰
Minimum Income
  • 1. Salaried = ₹15,000 – ₹25,000 (depending on city)
  • 2. Self-Employed = Minimum ₹2.5 lakh annually
💼
Employment/Business Stability
  • 1. Salaried: Minimum 2 years work experience, with 1 year current job
  • 2. Self-Employed: Business operational for at least 3 years

Documents Required

To Apply at Ganpati Finance

Identity Proof
(Any one of the following)

  • ✅ Aadhaar Card
  • ✅ PAN Card
  • ✅ Passport
  • ✅ Voter ID
  • ✅ Driving License

Address Proof
(Any one of the following)

  • ✅ Utility Bill
  • ✅ Passport
  • ✅ Aadhaar Card
  • ✅ Ration Card
  • ✅ Rent Agreement

Income Proof

  • ✅ Last 3 months’ salary slips
  • ✅ Last 6 months’ bank statement
  • ✅ Form 16 or latest ITR

Loan Representative Example

Loan Summary Details

Loan Amount ₹50,000
APR 8% per annum
Tenure 12 Months
Processing Fee 2% of loan amount (₹1,000)
GST on Processing Fee ₹180
Amount Disbursed ₹48,820
EMI ₹4,378
Total Repayment Amount ₹52,536
Total Interest ₹2,536

This example shows the total cost of a ₹50,000 loan including all fees and interest over 12 months.
If you apply for a loan of ₹50,000 at an 8% APR for 12 months, a processing fee of 2% (₹1,000) plus ₹180 GST will be charged.
The total fee amount of ₹1,180 will be deducted from your loan, so you will receive ₹48,820 as the disbursed amount.
You will repay ₹4,378 per month for 12 months, totaling ₹52,536 — which includes ₹2,536 as interest.

Explanation:
This means if you borrow ₹50,000, you’ll receive ₹48,820 after deducting applicable fees. You will repay ₹52,536 over 12 months through equal monthly installments (EMIs), which cover both the principal and the interest. This example helps you understand the approximate cost of the loan before applying.

Please note that the APR may vary based on your credit profile. Terms and conditions apply.

faqs

Answers to your most common questions

You can apply online by submitting your personal and financial details through our secure form.

Loan approval usually takes 24–48 working hours after successful document verification.

We require ID proof, address proof, income documents, and recent bank statements.

Interest rates start at 10.99% p.a. and may vary based on your credit profile and loan amount.

Yes, we use 256-bit SSL encryption and follow strict data privacy standards.

Yes, pre-closure is allowed as per the terms and conditions mentioned in your loan agreement.

Yes, a nominal processing fee is applicable and is disclosed before you accept the loan offer.

Repayment tenures range from 6 months to 60 months, depending on the loan product.

Yes, a healthy credit score improves your chances of approval and getting better interest rates.

Both salaried and self-employed individuals with a regular income can apply, subject to eligibility.

Yes, you can apply if your current EMIs are being paid on time and within your debt-to-income ratio.

Submitting an application may result in a soft or hard inquiry, which could impact your score slightly.

reviews

Client Testimonials

Inspiring Journeys: Client Success Stories

"The loan process was smooth and transparent. The team was very supportive and guided me at every step."

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Neha Kapoor

Delhi

"Excellent customer service and quick loan approval helped me during an urgent financial need."

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Rajesh Singh

Patna

"Very satisfied with the clear communication and professional approach. Highly recommended."

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Amit Desai

Ahmedabad

"quickand hassle-free process. The support team was always available to clear my doubts."

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Priya Mehta

Mumbai

"Their transparent terms and quick disbursal gave me peace of mind during a tough time."

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Sunita Reddy

Hyderabad

"Helpful staff and clear process made it easy to get the funds I needed without any stress."

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Vikram Singh

Chennai

"I appreciated the prompt responses and the friendly support team throughout my loan application."

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Kavita Joshi

Pune

"Clear process, transparent terms, and timely support made my experience great. Thank you!"

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Rahul Sharma

Jaipur

Grievance Redressal

Ganpati Finance is a financial services platform operated by GUCHI INVESTMENT PVT LTD, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI), bearing Corporate Identity Number (CIN): U27310DL1982PTC013686.

We strictly follow RBI regulations and uphold ethical lending practices to protect and empower our customers. In accordance with RBI directives, we have established a dedicated Grievance Redressal Mechanism that ensures fair, transparent, and time-bound resolution of complaints.

If you have any issues, we encourage you to reach out. Our team is committed to addressing all concerns promptly, typically within 5 working days, as per RBI norms.

Our Branches Across India

Kolkata

BL-A, 3rd Floor, Jogendra Nath Ghoshal Rd, Ariadaha, Kolkata

Mumbai

BKC, 20, G Block Rd, G Block, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051

Indore

Pakiza Showroom Building Office 4 th Floor Sector A -35 Office No, Madhya Pradesh 452011

Ahmedabad

Shivkrupa Residency, Nikol - Naroda Rd, opp. Uday Green Party Plot, New India Colony, Nava Naroda, Ahmedabad, Gujarat 382330

Ghaziabad

ANSAL PLAZA, Neelpadam Kunj Complex, Kamma 1, Vaishali, Ghaziabad, Uttar Pradesh 201019