LoanSetu started in 2019 with one idea: borrowing shouldn't take longer than the emergency that caused it.
Our founders spent years inside legacy NBFCs watching good applicants get rejected for slow paperwork, not bad credit. LoanSetu was built to fix the process, not just digitize the form.
Faster decisions come from better data pulls — Aadhaar e-KYC, account aggregator statements, GST returns — not from skipping checks.
Every applicant sees their rate, fees and total repayment before accepting an offer. No surprise clauses in month six.
Every rupee we lend goes through an RBI-registered NBFC partner. We don't operate outside that framework, ever.
A relationship manager is assigned to every loan above ₹2 lakh — a real person, reachable by phone.