No Money? No Problem! Bharat Loan is here to help you.
About BharatLoan: Personal Loan App
BharatLoan: Personal Loan App is a finance app developed by DEVMUNI LEASING & FINANCE LIMITED.
Download Statistics
BharatLoan: Personal Loan App has been downloaded 6.7 million times. In the last 30 days, the app was downloaded 280 thousand times. It is ranked in the top 100 finance apps.
User Ratings
The app has no ratings yet.
App Information
BharatLoan: Personal Loan App is FREE to download. The APK download size is 48.86 MB. The latest version available is 3.0.0. The last update was on July 31, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play October 2023.
Description
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.
Recent changes: What's New • Refreshed the user interface for a smoother and more intuitive experience. • Improved app performance for faster loading and better responsiveness. • Enhanced overall stability by fixing minor bugs and optimizing the user experience. • General improvements and performance optimizations.
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Comments on BharatLoan: Personal Loan App for Android
★★★★★Nurshad Alam· Dec 28, 2025
Fast KYC process within Bharat Loan speeds up overall personal loan approval time.
★★★★★Amajal Alam· Dec 29, 2025
Bharatloan Bharat Loan personal loan app features fast disbursal minimal paperwork and interest details.
★★★★★SHIVAM· Feb 27, 2026
The Bharat Loan app is a digital platform that provides quick personal loans to people in India. It allows users to apply for loans online using their mobile phones without visiting a bank. Users need to upload basic documents like PAN card, Aadhaar card, salary slips, and bank statements. The app offers unsecured loans, which means no collateral is required. Loan approval and disbursal are fast, and money is transferred directly to the bank account. It is useful during emergencies*
★★★★★Debdip Sarkar· Feb 26, 2026
Great customer support and service. Withdrawals are fast. Trusted fun safe. Helps me a lot....
★☆☆☆☆Chirag Bhangale· May 1, 2026
Third class bhangar app....their customer care number showing switch off anytime.... After repayment app automatically log out still showing pending due...what the hell is this....no replies on email also but calling often for repayment....😡😡😡😡
★☆☆☆☆Shireen Chaudhary· Apr 30, 2026
Worst App I have ever seen when we log in and upload all the documents, and then they ask for salary slip if we have salary slip then why will we take loan on this gateway as interest is tooo high compared to bank becoz here it is easy process we will take loan here and why are you asking our data first if you can't provide a loan worst customer service ever seen
Google Play Rankings for BharatLoan: Personal Loan App
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