Bank-authorized DSA · Since 2017
Loan Lene Ka Sahi Tarika
Your bank makes you one offer. We bring you many.
We work with banks — as their authorized partner. One application reaches the right government and private banks; you compare the offers and choose. You pay us ₹0.
Personal & business loans: 25+ private banks and NBFCs · Home loans & LAP: 60+ banks, HFCs and NBFCs
Illustration. Offers you see depend on your profile and each lender's policy; the lender decides the final rate and approval.
Who we are
On the bank's panel. Working for you.
We are a bank-authorised sales partner (DSA) — appointed by banks and NBFCs. Your loan is sanctioned and priced by the bank or NBFC itself.
Bank-authorized DSAMatches your profile to the right lenders, prepares your file, collects documents and follows up until disbursal.That is why ProperPaisa is ₹0 for you — advice, comparison and document pickup included. Our focus: the best deal for you.
The problem
Where good borrowers lose money
Even on a strong salary. Each one has a simple fix.
One bank, one offer
A pre-approved offer means the bank wants to lend to you — not that it is your best rate.
A new enquiry at every bank
Applying at one bank after another adds hard enquiries to your credit report.
Branch after branch
Half a day in a queue for each bank, and the same papers every time.
Fine print nobody explains
Rate, processing fee, insurance and tenure — spread across pages and jargon.
Side by side
Going direct vs going through ProperPaisa
Either way, the bank gives the loan. The difference is how many offers you see — and who speaks for you.
Offers you see
Direct to bank: 1 — that bank's
ProperPaisa: Several, from lenders that fit your profile
Who explains the fine print
Direct to bank: You read it yourself
ProperPaisa: Your advisor puts rate, fees and tenure in one comparison
Credit enquiries
Direct to bank: A new one at every bank you try
ProperPaisa: File sent only where it fits
Documents
Direct to bank: Branch visit, repeated per bank
ProperPaisa: Picked up from your home or office
Who sanctions the loan
Direct to bank: The bank
ProperPaisa: The same — the bank or NBFC you choose
Cost to you
Direct to bank: Bank's processing fee
ProperPaisa: ₹0 to ProperPaisa (bank's own fees as per its policy)
| Compare | Direct to bank | Through ProperPaisa |
|---|---|---|
| Offers you see | 1 — that bank's | Several, from lenders that fit your profile |
| Who explains the fine print | You read it yourself | Your advisor puts rate, fees and tenure in one comparison |
| Credit enquiries | A new one at every bank you try | File sent only where it fits |
| Documents | Branch visit, repeated per bank | Picked up from your home or office |
| Who sanctions the loan | The bank | The same — the bank or NBFC you choose |
| Cost to you | Bank's processing fee | ₹0 to ProperPaisa (bank's own fees as per its policy) |
Our lending partners
The bank lends. We take you to the right bank.
Only RBI-regulated banks, HFCs and NBFCs. Your loan agreement is always with the lender you choose.
You share your details once — ₹0 fee
ProperPaisa (bank-authorized DSA) takes your file to the right lenders
Bank / NBFC sanctions the loan — your agreement is with them
- HDFC BankPrivate bank
- ICICI BankPrivate bank
- Axis BankPrivate bank
- Kotak Mahindra BankPrivate bank
IndusInd BankPrivate bank
Yes BankPrivate bank
IDFC FIRST BankPrivate bank
IDBI BankPrivate bank
Federal BankPrivate bank
RBL BankPrivate bank
Bandhan BankPrivate bank
AU Small Finance BankPrivate bank
Ujjivan Small Finance BankPrivate bank
Shivalik Small Finance BankPrivate bank
Standard CharteredPrivate bank
Deutsche BankPrivate bank
State Bank of IndiaGovt bank
Bank of BarodaGovt bank
Punjab National BankGovt bank
Canara BankGovt bank
Union Bank of IndiaGovt bank
Bank of IndiaGovt bank
Indian BankGovt bank
Central Bank of IndiaGovt bank
Logos are trademarks of their owners and are shown only to identify lenders we work with, directly or through our channel partner; they do not imply endorsement.
How it works
Three steps. All from your home or office.
- 1Share 4 details
Name, mobile, salary and employer type. About 60 seconds. Documents come later.
- 2Your advisor compares lenders
Offers matched to your profile, side by side — rate, fees and tenure in one view.
- 3You choose. We do the running.
Documents collected from your home or office, with follow-up until disbursal.
Happy customers
The right loan — and a gift to remember.
Real ProperPaisa customers, receiving their gift from their advisor after the loan was disbursed.
On qualifying loans, after disbursal: a 24K Tanishq gold coin or a 999 purity silver coin — the weight depends on your loan amount. The gift is from ProperPaisa; your lender is not involved.
See my offers →Tanishq is a trademark of Titan Company Ltd.; Kalyan Jewellers is a trademark of Kalyan Jewellers India Ltd. Coins are bought at retail. ProperPaisa is not affiliated with or endorsed by either company. T&C apply.
On top of the right offer · Diwali
The right offer first. Then a little extra.
Two benefits on qualifying loans, from ProperPaisa.
24K Tanishq gold coin or 999 purity silver coin
On disbursal of qualifying loans. The weight rises with your loan amount.
Weight table & T&CProcessing fee back — 100%, up to a cap
Up to ₹7,670 on personal and business loans from ₹10 lakh, and up to ₹10,840 on home loans from ₹50 lakh. Paid back after disbursal.
What brings you here?
Don't stop at one offer.
Share four details. Your advisor will call and walk you through the offers — you decide.
“Pehla offer hi aakhri offer nahi hota.”
Chat with us on WhatsAppQuestions people ask
Are you an agent, or from the bank?
We are an authorized sales partner (DSA) of banks and NBFCs — appointed by them. Your loan is always sanctioned by the bank or NBFC, and your agreement is with them.
Is it really free?
Yes. As a bank-authorised partner, ProperPaisa is paid by the bank — the same way a bank pays its own sales staff. Our service is ₹0 for you at every stage. The lender's own processing fee applies as per its policy.
Isn't going straight to my own bank better?
You can — and you will see that bank's one offer. Through us, the same profile is compared across lenders, and you choose.
Will my CIBIL score drop?
We review your profile first and send your file only where it fits, so you avoid a string of separate applications.
What documents do I need?
For salaried applicants: PAN, Aadhaar, last 3 salary slips and 6 months' bank statement. We collect them from you.
How does the gold or silver coin work?
On qualifying loans, you receive a 24K Tanishq gold coin or a 999 purity silver coin after disbursal. The weight depends on the loan amount. T&C apply.
ProperPaisa is not a lender. We are an authorised DSA (Direct Selling Agent) of our partner banks and NBFCs, directly or through our channel partner. Loans are sanctioned solely by the lender; rates, fees and approval depend on your profile and lender policy. ProperPaisa's service is ₹0 for customers. Coin and fee-refund benefits apply to qualifying disbursals only; T&C apply. Tanishq is a trademark of Titan Company Ltd. and Kalyan Jewellers of Kalyan Jewellers India Ltd.; coins are bought at retail and ProperPaisa is not affiliated with either.