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Short Term / PayDay Loan
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Udhar Capital - Home
Verified Trusted by 10,000+ Indians

Financial Freedom
Starts Today

Experience India's fastest loan processing. Get approvals from ₹10k to ₹25 Lakhs in minutes with minimal documentation.

48 Hours Approval Time
upto 5CR Max Amount
9.75% Interest Rate

Get Started Today

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Our Services

Tailored Financial Solutions

Choose the product that fits your life goals

Credit Card
Credit Card

A credit card is a financial tool that...

Service Available
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Personal Loan
Personal Loan

A personal loan is an unsecured loan that...

Service Available
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Used Car Loan
Used Car Loan

A used car loan helps you purchase a...

Service Available
Check Eligibility
NEW CAR LOAN
NEW CAR LOAN

A new car loan helps customers finance the...

Service Available
Check Eligibility
Home Loan
Home Loan

✅ Loan up to 75%–90% of property value...

Service Available
Check Eligibility
Loan Against Property
Loan Against Property

A Loan Against Property (LAP) allows customers to...

Service Available
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18+ Physical Branches
Our Footprint

Expanding Across India

We are committed to bringing financial freedom to every doorstep. With a growing network of branches and digital support, we are now serving customers across major Indian states.

Uttar Pradesh
Bihar
Delhi & NCR
West Bengal
Rajasthan
Maharashtra
18 Specialized Branches

Visit us for personalized financial consulting and on-the-spot document verification.

Why Choose Udhar Capital

Quick & Convenient

A streamlined digital process designed to get you started in minutes without the usual bank hassles.

Instant Approval

Our smart evaluation engine provides real-time feedback on your loan eligibility and approval status.

Same-Day Disbursal

Once approved, the funds reach your account within hours, ensuring your financial needs are met instantly.

No Collateral

Access capital based on your merit. No need to pledge assets or worry about hidden security fees.

Simple Process

How It Works

Get your loan in just 3 easy steps

1

Quick Apply

Fill our simple online form in just 2 minutes. No lengthy paperwork or physical visits required.

2

Upload Documents

Upload digital copies of your documents. Our AI system verifies them instantly.

Identity Proof PAN Card Bank Statement
3

Get Money

Receive instant approval and get money directly in your bank account within 10 minutes.

10 Min Disbursal

Smart EMI Calculator

Calculate Your Monthly EMI

Quickly estimate your EMI using a standard reducing-balance formula.

Choose between ₹50,000 and ₹25,00,000
%
Typical range: 6% to 30%
Choose between 1 and 20 years
Loan Amount

₹5,00,000

Tenure
5 Years
Interest Rate

10.5% p.a.

Your Monthly EMI

₹10,750

Per month for 60 months
Payment Breakdown
Principal ₹5,00,000
Total Interest ₹1,45,000

Total Payable ₹6,45,000
Why Choose Us

Built For Growth, Trust, and Speed

A complete ecosystem designed for better performance and better customer outcomes.

Easy On-boarding

Quick activation and smooth start for every partner.

Multiple Products

Wide product basket to match every customer profile.

Instant Approvals

Faster decisioning pipeline for better conversion.

Prompt Payouts

Reliable and transparent payout tracking system.

Secure Data

Strong security and compliance-led data handling.

Unified Dashboard

Single view of leads, status, payouts, and insights.

Rewards & Loyalty

Growth-linked incentives and lifetime partner value.

Excellent Customer Support

Dedicated assistance from onboarding to disbursal.

Training Programs

Skill-building sessions to improve quality and output.

Trusted Partners

Brands Who Trust Us

We are amongst the top 3 most-preferred channel partners for loans for India's widest network of Banks, NBFCs, and Fintech

Latest Updates

From Our Blog

View All Blogs
Business Loan for Small Enterprises
17 Feb 2026
Business Loan for Small Enterprises

A practical guide for MSMEs and small businesses to secure funding.

Read More
Our Achievements

Our Certificates & Awards

Udhaar Capital's achievements so far.

uttar pradesh business global award

uttar pradesh business global award

indian bank

indian bank

hdfc award

hdfc award

Highest Standards. Happiest Partners

Our partners are our strength

AMAN SINGH

"“I had an excellent experience with UDHAR CAPITAL while applying for my professional loan. As a Chartered Accountant, I needed quick financing to expand my practice, and their team guided me throughout the process with complete professionalism. They helped me compare multiple lenders, explained the documentation clearly, and ensured fast approval without unnecessary delays. The entire process was smooth, transparent, and hassle-free. I truly appreciate their expertise in handling professional cases and would highly recommend UDHAR CAPITAL to CA & CS professionals looking for reliable financial support.”"

AMAN SINGH
AMAN SINGH

CA

sanyamm

"I needed a business loan urgently, and Udhar Capital delivered exactly what they promised. Transparent process, quick disbursal, and very supportive staff."

sanyamm
sanyamm

technical executive

FAQs

Questions? We have answers.

Clear, quick responses to common loan queries.

48 hours
Fast approvals
24x7
Support access
₹250CR
Max amount
9.75%
Rates from
Talk to an Expert

Yes. We use industry-standard security measures and encryption to protect your personal and financial information at all times.

Once your loan is approved, the amount will be directly credited to your registered bank account via secure electronic transfer.

You need a valid identity proof, address proof, and basic income details. No physical paperwork is required as the process is completely online.

Loan approval usually takes a few minutes after submitting the application. In some cases, it may take up to 24 hours depending on document verification.

Any Indian citizen aged 18 years or above with a valid identity proof, active mobile number, and bank account can apply for a loan through our platform.

Ready to unlock your next big move?

Apply in minutes with instant eligibility checks and transparent pricing — no surprises.