LENDINET FINANCIAL CONSULTANT PRIVATE LIMITED

Bank & NBFC Product Training Guide  |  Relationship Manager Reference  |  PAN India  |  40+ Partners

RM TRAINING
2026 EDITION
🔵 KYC Base Loans
💼 Personal Loan (Salaried)
🏢 Business Loan
📊 Quick Summary
🔵

KYC Base Loans

Digital process — No income proof required. CIBIL + Aadhaar + PAN only.

11
KYC Base NBFC Partners
₹600+
Min CIBIL Score (RAM Fincorp)
100%
Digital Process — No Physical Visit
Prefr
Prefr
Digital KYC Loan
KYC Base
Salary₹25,000+/month
Age23 – 55 years
Loan Amount₹51,000 – ₹5,00,000
ROI17.99% – 29.99%
CIBIL725+
EnquiriesMax 3 in 1 Month
Tenure12 – 36 months
VKYC❌ Not Required
Aadhaar ✓ PAN ✓ Bank Stmt 3M ✓ Address Proof Income if reqd
✅ Internal Check: One active PL loan required
💡 Tip: CIBIL Base — no income proof needed. Fully digital process.
Zype
Zype
Instant Digital Loan
KYC Base
Salary₹25,000+/month
Age21 – 55 years
Loan Amount₹50,000 – ₹2,00,000
ROI20% – 28%
CIBIL700+
EnquiriesMax 4 in 1 Month
Tenure3 – 24 months
VKYC✅ Required
Aadhaar ✓ PAN ✓ Bank Statement ✗ Income if reqd
✅ Internal Check: Loan tract required
⚡ Fast Disbursal — one of the quickest KYC products
DMI
DMI Finance
Digital Personal Loan
KYC Base
Salary₹25,000+/month
Age21 – 58 years
Loan Amount₹50,000 – ₹10,00,000
ROI18% – 28%
CIBIL730+
EnquiriesMax 4 in 1 Month
Tenure3 – 48 months
VKYC✅ Required
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓ Physical if reqd
✅ Internal Check: Loan tract required
ℹ️ Note: PF deduct hota hai = Office visit mostly skip hota hai
Unity
Unity Small Finance
KYC Personal Loan
KYC Base
Salary / SE₹25,000+ / 25L+ Turnover
Age23 – 55 years
Loan Amount₹50,000 – ₹5,00,000
ROI16% – 26%
CIBIL675+
EnquiriesMax 3 in 1 Month
Tenure6 – 36 months
VKYC✅ Required
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓ Business Proof if reqd
✅ Internal Check: One active PL loan required
💡 Pincode Tip: Agar CX ka pincode serviceable nahi hai to bhi login kar sakte hain — nearby pincode dal ke!
MoneyView
Moneyview
KYC Personal Loan
KYC Base
Salary₹13,500+/month
Self Employed₹25,000/month
Age21 – 55 years
Loan Amount₹5,000 – ₹5,00,000
ROI20% – 36%
CIBIL675+
EnquiriesMax 5 in 1 Month
Tenure3 – 24 months
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓
💡 Tip: Consumer loan tract par bhi approval dega!
FatakPay
Fatakpay Lite
Small Ticket Loan
KYC Base
Salary₹15,000+/month
Age21 – 55 years
Loan Amount₹5,000 – ₹35,000
ROI18% – 28%
CIBIL675+
EnquiriesMax 5 in 1 Month
Tenure3 – 9 months
Aadhaar ✓ PAN ✓ Bank Statement ✗
💡 Best Use: Consumer loan tract wale customers ko bhi approve karega
FatakPay
Fatakpay FDPL
Mid Ticket KYC Loan
KYC Base
Salary₹15,000+/month
Age21 – 55 years
Loan Amount₹10,000 – ₹5,00,000
ROI18% – 28%
CIBIL700+
Tenure3 – 36 months
Physical VisitIf Required
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓
⚠️ Note: 1 Lakh ke upar amount wali case mein office aur ghar par visit hoga
Poonawalla
Poonawalla Fincorp
KYC Personal Loan
KYC Base
Salary / SE₹25,000 / 3L+ Turnover/Month
Age25 – 55 years
Loan Amount₹50,000 – ₹5,00,000
ROI18% – 30%
CIBIL725+
EnquiriesMax 3 in 1 Month
Tenure12 – 48 months
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓
✅ Internal Check: One active PL loan required
⚠️ Important: CX ke Aadhaar wale address se hi process karna hai. CX ke phone se hi process karna hai.
Bajaj
Bajaj Market
KYC Personal Loan
KYC Base
Salary / SE₹20,000 / 1Cr–3Cr Turnover
Age21 – 65 years
Loan Amount₹50,000 – ₹15,00,000
ROI14% – 26%
CIBIL700+
EnquiriesMax 4 in 1 Month
Tenure6 – 48 months
PhysicalIf Required
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓
✅ Internal Check: One active PL loan required
⚠️ Mandatory: Home visit hoga — mandatory!
BRIGHT
LOANS
Bright Loans
Small Ticket KYC
KYC Base
Salary₹15,000+/month
Age19 – 60 years
Loan Amount₹5,000 – ₹50,000
ROI16% – 28%
CIBIL650+ (Flexible!)
EnquiriesMax 4 in 1 Month
Tenure3 – 9 months
Aadhaar ✓ PAN ✓
✅ Internal Check: One active PL loan required
💡 Best For: Small ticket size loans. CIBIL 650+ bhi chalega!
RAM
FINCORP
RAM Fincorp
Low CIBIL Special
KYC Base
Salary₹15,000+/month
Age18 – 60 years
Loan Amount₹1,000 – ₹1,00,000
ROI30% – 36%
CIBIL600+ (Lowest!)
EnquiriesMax 5 in 1 Month
Repayment45 days
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓
✅ Only Score Card Base
🌟 Best For: LOW CIBIL ke liye BEST hai — Score 600+ bhi chalega!
💼

Personal Loan — Salaried

Bank statement + salary slip required. Higher loan amounts, better rates.

7
PL Salaried Partners
₹12K
Min Salary (Werize)
₹15L
Max Loan (InCred, Bajaj, Piramal)
IndusInd
IndusInd Bank
Personal Loan — Salaried
Salaried PL
Salary₹25,000+ (No Double Income)
Age22 – 56 years
Loan Amount₹30,000 – ₹5,00,000
ROI14% – 20% (Best Rate!)
CIBIL730+
EnquiriesMax 2 in 1 Month
Tenure12 – 48 months
VKYC + Physical✅ Both Required
Aadhaar ✓ PAN ✓ Bank Stmt ✓ Income Proof ✓
✅ Check: Good PL loan tract required
💡 Tip: Customer ke paas official mail ID ya PF deduct hai to office visit nahi hogi!
InCred
InCred Finance
Personal Loan — Salaried
Salaried PL
Salary₹15,000+ (No Double)
Age21 – 55 years
Loan Amount₹50,000 – ₹15,00,000
ROI16% – 34%
CIBIL700+
EnquiriesMax 4 in 1 Month
Tenure12 – 60 months
VKYC + Physical✅ VKYC + If Reqd
Aadhaar ✓ PAN ✓ Bank Stmt 3M ✓ Income Proof ✓
✅ Check: Good loan tract required
⚡ Fastest Disbursal Process in PL salaried category!
Bajaj
Bajaj Finserv
Personal Loan — Salaried
Salaried PL
Salary₹15,000+ (No Double)
Age21 – 58 years
Loan Amount₹50,000 – ₹15,00,000
ROI18% – 28%
CIBIL700+
EnquiriesMax 4 in 1 Month
Tenure12 – 60 months
VKYC + Physical✅ VKYC + If Reqd
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓ Income Proof ✓
✅ Check: Company category check karna hai
⚡ Same Day: Company category + good customer designation = same day disbursal!
Werize
Werize
Salaried + SE Loan
Salaried PL
Salary / SE₹12,000 / 25L+ Turnover
Age21 – 57 years
Loan Amount₹30,000 – ₹5,00,000
ROI22% – 36%
CIBIL-1 / 700 (NTC OK!)
EnquiriesMax 5 in 1 Month
Tenure36 – 36 months
Bank Statement12 Months Required
Aadhaar ✓ PAN ✓ Bank Stmt 12M ✓ Income Proof ✓
❌ Negative: Driver aur Conductor = Negative profile
⚠️ BL Note: Guarantor ka bhi CIBIL check hoga
Finnable
Finnable
Salaried Personal Loan
Salaried PL
Salary₹15,000+ (No Double)
Age21 – 60 years
Loan Amount₹50,000 – ₹10,00,000
ROI18% – 28%
CIBIL-1 / 700 (NTC OK!)
EnquiriesMax 4 in 1 Month
Tenure12 – 48 months
PhysicalIf Required
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓ Income Proof ✓
❌ Negative: 4th class customers = Not eligible
🏠 Mandatory: Residency FI compulsory
Piramal
Piramal Finance
Personal Loan — Salaried
Salaried PL
Salary₹25,000+ (No Double)
Age21 – 60 years
Loan Amount₹50,000 – ₹15,00,000
ROI16% – 28%
CIBIL700+
EnquiriesMax 3 in 1 Month
Tenure12 – 60 months
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓ Income Proof ✓
🏠 Mandatory: Residency FI compulsory
Credit Saison
Credit Saison
Personal Loan — Salaried
Salaried PL
Salary₹25,000+ (No Double)
Age21 – 55 years
Loan Amount₹50,000 – ₹10,00,000
ROI16% – 28%
CIBIL700+
EnquiriesMax 3 in 1 Month
Tenure12 – 60 months
Aadhaar ✓ PAN ✓ Bank Stmt 6M ✓ Income Proof ✓
🏠 Mandatory: Residency FI compulsory
🏢

Business Loan

For proprietors, partnerships, Pvt Ltd, LLP. 2+ year vintage required. Full docs needed.

10
Business Loan Partners
₹50L
Max Loan (Godrej Capital)
700+
Standard CIBIL Required
Muthoot
Muthoot Fincorp
Business Loan
Business Loan
Income₹13,500+ / SE: YES
Age21 – 58 years
Loan Amount₹50,000 – ₹10,00,000
ROI22% – 28%
CIBIL675+
EnquiriesMax 4 in 1 Month
Tenure24 – 48 months
Company TypeOnly Proprietorship
Aadhaar ✓ PAN ✓ Bank Stmt ✓ Address ✓ Biz Proof ✓ Income ✓ VKYC ✓
❌ Not Approved: Recent loan taken customers not approved
💡 Tip: Agar banking acha hai to upload karke acha offer le sakte hain!
ABFL
ABFL Udhyam
Aditya Birla Finance — BL
Business Loan
IncomeNot Double / SE: YES
Age23 – 58 years
Loan Amount₹50,000 – ₹15,00,000
ROI24% – 36%
CIBIL700+
Tenure12 – 60 months
Physical✅ Required
Internal CheckGood ABB + 2yr vintage biz proof
Aadhaar ✓ PAN ✓ Bank Stmt ✓ Address ✓ Biz Proof ✓ Income ✓
⚠️ Mandatory: Home visit hoga — mandatory!
Bajaj
Bajaj Finserv BL
Business Loan
Business Loan
IncomeNot Double / SE: YES
Age21 – 60 years
Loan Amount₹50,000 – ₹15,00,000
ROI16% – 30%
CIBIL700+
Tenure12 – 48 months
Internal CheckGood ABB + 2yr vintage
Aadhaar ✓ PAN ✓ Bank Stmt ✓ All Docs ✓
💡 Best For: GST wale business = good profile!
Lendingkart
Lendingkart
Business Loan
Business Loan
IncomeNot Double / SE: YES
Age21 – 60 years
Loan Amount₹50,000 – ₹35,00,000
ROI16% – 28%
CIBIL700+ / -1 (NTC OK)
Tenure12 – 60 months
PhysicalIf Required
Aadhaar ✓ PAN ✓ Bank Stmt ✓ All Biz Docs ✓
💡 Special: Sugam ITR bhi consider karta hai as business proof!
Indifi
Indifi
Business Loan
Business Loan
Age23 – 55 years
Loan Amount₹50,000 – ₹20,00,000
ROI20% – 36%
CIBIL700+
Tenure12 – 72 months
Internal CheckGood ABB + 2yr vintage
All Documents ✓ Physical Visit ✓
TATA Capital
TATA Capital
Business Loan
Business Loan
Age22 – 56 years
Loan Amount₹50,000 – ₹35,00,000
ROI14% – 26% (Best Rate!)
CIBIL700+
Tenure12 – 72 months
Internal CheckGood ABB + 2yr vintage
All Documents ✓ Physical Visit ✓
Chola
Cholamandalam (Chola)
Business Loan
Business Loan
Age23 – 58 years
Loan Amount₹50,000 – ₹35,00,000
ROI18% – 36%
CIBIL700+
Tenure12 – 84 months (Longest!)
All Documents ✓ Physical Visit ✓
FlexiLoan
Flexiloans
Business Loan
Business Loan
Age23 – 56 years
Loan Amount₹50,000 – ₹15,00,000
ROI18% – 30%
CIBIL700+
Tenure12 – 60 months
Internal CheckCurrent A/c + GST mandatory
All Documents ✓ Physical if reqd
💡 Pro Tip: 3 year purani GST wali file jaldi move hogi!
Piramal
Piramal Finance BL
Business Loan
Business Loan
Age23 – 58 years
Loan Amount₹50,000 – ₹25,00,000
ROI16% – 28%
CIBIL700+
Tenure12 – 60 months
Internal CheckGood ABB + 2yr vintage
All Documents ✓ Physical Visit ✓
Godrej
Godrej Capital
Business Loan — Highest Limit
Business Loan
Age23 – 60 years
Loan Amount₹50,000 – ₹50,00,000 (Highest!)
ROI15% – 28%
CIBIL700+
Tenure12 – 60 months
Internal CheckGood ABB + 2yr vintage
All Documents ✓ Physical Visit ✓
📊

Quick Reference — All Partners

RM cheat sheet — use for rapid pre-screening of customer profiles

🔵 KYC Base — No Income Proof Needed
Partner Min Salary Loan Range ROI Min CIBIL Max Enquiry Tenure VKYC
Prefr
₹25,000₹51K – ₹5L17.99–29.99%725+3/Month12–36MNo
Zype
₹25,000₹50K – ₹2L20–28%700+4/Month3–24M✅ Yes
DMI Finance
₹25,000₹50K – ₹10L18–28%730+4/Month3–48M✅ Yes
Unity Small Finance
₹25,000₹50K – ₹5L16–26%675+3/Month6–36M✅ Yes
Moneyview
₹13,500₹5K – ₹5L20–36%675+5/Month3–24MNo
Fatakpay Lite
₹15,000₹5K – ₹35K18–28%675+5/Month3–9MNo
Fatakpay FDPL
₹15,000₹10K – ₹5L18–28%700+5/Month3–36MNo
Poonawalla Fincorp
₹25,000₹50K – ₹5L18–30%725+3/Month12–48MNo
Bajaj Market
₹20,000₹50K – ₹15L14–26%700+4/Month6–48MNo
BRT
Bright Loans
₹15,000₹5K – ₹50K16–28%650+4/Month3–9MNo
RAM
RAM Fincorp
₹15,000₹1K – ₹1L30–36%600+5/Month45 DaysNo
💼 Personal Loan — Salaried (Bank Statement Required)
Partner Min Salary Loan Range ROI Min CIBIL Max Enquiry Tenure VKYC
IndusInd Bank
₹25,000₹30K – ₹5L14–20%730+2/Month12–48M✅ Yes
InCred Finance
₹15,000₹50K – ₹15L16–34%700+4/Month12–60M✅ Yes
Bajaj Finserv PL
₹15,000₹50K – ₹15L18–28%700+4/Month12–60M✅ Yes
Werize
₹12,000₹30K – ₹5L22–36%-1 / NTC5/Month36M✅ Yes
Finnable
₹15,000₹50K – ₹10L18–28%-1 / NTC4/Month12–48M✅ Yes
Piramal Finance PL
₹25,000₹50K – ₹15L16–28%700+3/Month12–60M✅ Yes
Credit Saison
₹25,000₹50K – ₹10L16–28%700+3/Month12–60M✅ Yes
🏢 Business Loan (All Docs + 2 Yr Vintage Required)
Partner Loan Range ROI Min CIBIL Tenure Physical Special Note
Muthoot Fincorp
₹50K – ₹10L22–28%675+24–48MNoOnly Proprietorship
ABFL Udhyam
₹50K – ₹15L24–36%700+12–60M✅ YesHome visit mandatory
Bajaj Finserv BL
₹50K – ₹15L16–30%700+12–48M✅ YesGST = Good profile
Lendingkart
₹50K – ₹35L16–28%700+/-112–60MIf ReqdSugam ITR accepted
Indifi
₹50K – ₹20L20–36%700+12–72M✅ Yes–
TATA Capital
₹50K – ₹35L14–26%700+12–72M✅ YesBest rates in BL
Cholamandalam
₹50K – ₹35L18–36%700+12–84M✅ YesLongest tenure!
Flexiloans
₹50K – ₹15L18–30%700+12–60MIf Reqd3yr GST = fast approval
Piramal Finance BL
₹50K – ₹25L16–28%700+12–60M✅ Yes–
Godrej Capital
₹50K – ₹50L15–28%700+12–60M✅ YesHighest BL limit!