Personal Loan
Quick funding for weddings, medical needs or travel — no collateral, minimal paperwork.
RBI-Registered NBFC · Trusted since 2012
Loans that
Loans that
add up.
Personal, home, business and gold loans with transparent rates, no hidden line items, and a decision you can see — not just hear about. Every figure in your offer is laid out like a passbook entry, before you sign anything.
Sample Loan Slip
Pre-approved
Loan amount
₹5,00,000
Tenure
36 months
Interest rate
11.5% p.a.
Processing fee
₹0 (waived)
Monthly EMI
≈ ₹16,490
Try your own numbers in the calculator below ↓
₹0 Cr+
Loans disbursed
0+
Customers served
0+
Branches nationwide
0 yrs
In lending & advisory
“We started MK Finance because loan paperwork shouldn't read like a riddle. If a number is on the page, we can explain it in one sentence.”
— Founding Office, MK Finance
Who we are
Built by lenders who keep their own books in order.
MK Finance is a non-banking financial company built around one habit: showing our working. Every rate, fee and repayment schedule is itemised before you commit — the same way a ledger balances, line by line.
RBI-registered NBFC
Operating under Reserve Bank of India regulatory guidelines for fair lending practice.
Bank-grade data security
ISO 27001-aligned systems protecting every document and digital signature.
Decisions in hours, not weeks
Document pickup, verification and sanction handled inside a single working day for most applicants.
Loan products
One ledger, six ways to borrow.
Pick the entry that matches your need. Every product carries the same transparent pricing principle.
Home Loan
Buy, build or renovate with tenures up to 25 years and step-up repayment options.
Business Loan
Working capital and expansion funding for proprietors, partnerships and SMEs.
Loan Against Property
Unlock the value of residential or commercial property without selling it.
Education Loan
Cover tuition, hostel and travel for studies in India or abroad, moratorium included.
Gold Loan
Walk in with gold jewellery, walk out with cash — disbursed in under 45 minutes.
How it works
Four entries to a funded account.
01
Check eligibility
Answer five quick questions online to see indicative offers in under a minute.
02
Upload documents
Submit ID, income and address proof digitally — or have an agent collect them at home.
03
Get verified & approved
Our underwriting team reviews and confirms your sanctioned amount and rate.
04
Receive funds
Money is credited directly to your bank account, usually within 27 hours.
EMI calculator
See your repayment before you apply.
Move the sliders to match your loan amount, rate and tenure — the ledger on the right updates instantly.
Loan input slip
Set your numbers
₹5,00,000
₹50,000₹50,00,000
11.5%
7%24%
3 yr 0 mo
6 months7 years
Monthly EMI
Apply with these numbers
₹16,490 / month
Principal
Interest
Principal amount
₹5,00,000
Total interest payable
₹93,640
Total amount payable
₹5,93,640
Why MK Finance
Lending, the way you'd want it explained to you.
Transparent pricing
Every fee is itemised upfront in your sanction letter — nothing introduced later in the fine print.
No prepayment penalty
Close your loan early on any floating-rate product without paying a foreclosure charge.
Doorstep document pickup
An agent visits your home or office to collect paperwork — no branch queue required.
A relationship manager, by name
One point of contact for the life of your loan — reachable by call, chat or branch visit.
Customer ledger
What borrowers say after closing their loan.
"My sanction letter listed every charge on one page. I knew the exact EMI before I signed — no surprises in month two."
"Funds for my workshop expansion landed in 22 hours. My relationship manager still picks up when I call about anything."
"Used the gold loan to bridge a short cash gap. Walked in at 10am, had the amount in my account by 10:40."
Frequently asked
Questions before you apply.
Typically a government ID, address proof, PAN card, and the last 3–6 months of income proof (salary slips or bank statements). Self-employed applicants also submit business registration and ITR documents.
Your rate depends on credit score, income stability, loan tenure and the product chosen. We show your personalised rate range before you submit any documents, so there's no obligation to proceed.
Yes. Floating-rate loans can be foreclosed at any time without penalty. Fixed-rate products carry a small, clearly disclosed foreclosure charge that is shown in your sanction letter.
Most personal and gold loan decisions are made within a few hours of document verification. Home and business loans, which require property or financial review, usually take 2–5 working days.
Yes. All documents and digital signatures are encrypted in transit and at rest, and our systems follow ISO 27001-aligned information security practices.