Groww Credit: Instant Loan App

Finance your dreams with Groww Credit

Whether you need an instant personal loan for an unexpected expense or looking for easy EMI options to finance your next big purchase, or simply want to check Credit Score for free, Groww Credit is your all-in-one credit app.
What Groww Credit offers?
- Instant personal loan
- Free Credit Score & Credit Report


Instant personal loan
Groww Credit offers instant personal loans up to ₹10 lakh with flexible repayment options at competitive interest rates. Whether you're salaried or self-employed, get instant approvals and funds disbursed directly to your bank account.
- Loan amount of your choice: Choose your instant personal loan amount up to your pre-approved limit (max ₹10 lakh).
- Flexible tenure: Loan repayment tenure ranging from 3 months to 60 months.
- Transparent terms: No hidden charges, only clear and upfront terms.


Free Credit Score & report
Monitor your credit health with ease. Check your Credit Score for free and get a detailed Credit Report to understand your credit profile better.
- Know your Credit Score: Check your Credit Score for free and unlock the power of good credit for better loan terms and financial freedom.
- Stay in control: View your Credit Report and ensure there are no errors that could be holding you back.
- Track your progress: Watch your credit score improve over time as you make smart financial choices.


Loan Against Mutual Funds (laMF)
Don’t sell your investments when you need cash. With laMF on Groww Credit, you can borrow against your mutual fund holdings instantly.
- Instant liquidity: Get quick access to funds while your investments continue to grow (max 15Cr)
- Attractive interest rates: Pay interest only on the amount you use.
- Flexible usage: Use the loan for emergencies, big purchases, or planned expenses without disturbing your portfolio.


Responsible lending
Groww Credit adheres to responsible lending practices. Our policies and services comply with all applicable laws and regulations. We are committed to providing transparent and ethical financial services to our users.


Instant Personal Loan:
• Tenure: 3 to 60 months
• Interest rate: 11-28%
Note: Personal loans are available for select users.


Loan against Mutual Funds:
- Loan amount: Up to ₹15 crore (subject to mutual fund value and eligibility)
- Tenure: upto 36 Months (varies by lender)
- Interest rate: As low as 10-12% p.a. (varies by lender and profile)
- Pledge process: 100% digital, secure, and hassle-free


Registered NBFCs and Banks (lenders) on Groww Credit:
• Groww Creditserv Technology Pvt. Ltd.(GCS)
• Kisetsu Saison Finance (India) Pvt. Ltd.
• IDFC FIRST Bank Ltd.


Groww Credit is the DLA for the above lenders operating the Groww Credit platform and services therein with assistance from other LSPs.
A representative example of the total cost of a loan, including principal & all applicable fees:
Tenure- 12 months
Rate of Interest - 15% per annum
Processing fee - ₹1000 (2% inclusive GST)
Total In