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₹500Cr+
Disbursed
5L+
Customers
8.5%
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Just Aadhaar, PAN & income proof
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Best Rates
Starting at just 8.5% per annum
How It Works
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Check Eligibility
Fill your details in under 2 minutes
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Compare Offers
AI matches best banks across 90+ criteria
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Apply Online
Complete application digitally, no branch visit
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Get Disbursement
Quick sanction in minutes, not weeks
Customer Stories
★★★★★
"Home loan approved in 24 hours. Smooth and transparent throughout."
Rajesh Mehta
Ahmedabad · Home Loan
★★★★★
"Business loan with great rates. The Arham Money team was very supportive."
Priya Sharma
Surat · Business Loan
★★★★☆
"Education loan for my MBA. Easy EMIs and very flexible tenure options."
Arjun Patel
Vadodara · Education Loan
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All Loan Products
9 products · Tap any loan to expand & apply
🏠
Home Loan
Lowest rates · Up to ₹5 Cr · 30 Year tenure
▼
Interest Rate
8.5% p.a.
Max Amount
₹5 Crore
Max Tenure
30 Years
Finance your dream home with the most competitive rates. Available for purchase, construction, extension and renovation.
Instant sanction in principle within 48 hours
Balance transfer available from other banks
Top-up loan facility for existing customers
🚗
Car Loan
New & used · Up to ₹50 L · 7 Year tenure
▼
Interest Rate
9.2% p.a.
Max Amount
₹50 Lakh
Max Tenure
7 Years
Drive your dream car today — new or used vehicles financed at competitive rates with minimal documentation.
Up to 100% on-road price financing
Pre-approved offers for salaried customers
Quick disbursal within 24 hours
👤
Personal Loan
No collateral · Up to ₹40 L · 5 Year tenure
▼
Interest Rate
10.5% p.a.
Max Amount
₹40 Lakh
Max Tenure
5 Years
No collateral needed. Instant disbursal for any purpose — travel, medical, wedding, or home renovation.
100% digital paperless process
Disbursal in as little as 2 hours
Flexible repayment with no prepayment penalty
💼
Business Loan
Unsecured · Up to ₹2 Cr · 10 Year tenure
▼
Interest Rate
11% p.a.
Max Amount
₹2 Crore
Max Tenure
10 Years
Scale your business instantly — working capital, equipment, expansion or inventory. No collateral required.
Minimal documentation for registered businesses
Overdraft facility available
Quick sanction for GST-registered businesses
🎓
Education Loan
India & abroad · Up to ₹1 Cr · 15 Year tenure
▼
Interest Rate
9.0% p.a.
Max Amount
₹1 Crore
Max Tenure
15 Years
Fund your studies in India or abroad. Moratorium period available during course duration with easy repayment.
Covers tuition, living & travel expenses
Repayment begins after course completion
Income tax benefit under Section 80E
🪙
Gold Loan
Instant · Up to ₹50 L · 3 Year tenure
▼
Interest Rate
9.8% p.a.
Max Amount
₹50 Lakh
Max Tenure
3 Years
Get instant cash against your gold jewellery. High LTV ratio, safe custody of your gold assured.
Up to 75% LTV on gold value
Disbursal in 30 minutes
Gold stored in secure vaults
🏢
Loan Against Property
Secured · Up to ₹10 Cr · 20 Year tenure
▼
Interest Rate
10% p.a.
Max Amount
₹10 Crore
Max Tenure
20 Years
Unlock the hidden value of your residential or commercial property for business or personal needs.
Residential and commercial properties accepted
Overdraft facility against property
Retain use of property during loan tenure
🛵
Two Wheeler Loan
Easy EMI · Up to ₹3 L · 5 Year tenure
▼
Interest Rate
9.5% p.a.
Max Amount
₹3 Lakh
Max Tenure
5 Years
Ride your dream bike or scooter with easy monthly EMIs and minimal documentation requirements.
All brands & models covered
Zero down payment options available
Same-day approval for eligible applicants
🌾
Agricultural Loan
Flexible · Up to ₹2 Cr · 15 Year tenure
▼
Interest Rate
8.8% p.a.
Max Amount
₹2 Crore
Max Tenure
15 Years
Flexible crop loans, equipment financing and land development loans tailored for Indian farmers.
Kisan Credit Card facility available
Seasonal repayment schedules
Subsidised rates for eligible farmers
EMI Calculator
Plan your monthly loan repayments
EMI Calculator
Adjust sliders to calculate your monthly EMI
Monthly EMI
₹0 /month
Loan Amount
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Total Interest
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Total Payable
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Down Payment Principal Interest
💵 Down Payment Saves Interest
Yrs
% p.a.
ARHAM MONEY
Your Trusted Financial Partner
🧮 EMI Calculator
Monthly EMI
₹10,745
Principal
₹5,00,000
Total Interest
₹1,44,705
Total Amount
₹6,44,705
Principal Interest
Loan Amount
₹5,00,000
Interest Rate
10.5%
Tenure
5 Years
🏢 Company Details
About Us

Arham Money Financial Services Pvt. Ltd. was founded in 2015 with a single vision — to make quality financial services accessible to every Indian. From a small office in Ahmedabad, we've grown into one of Gujarat's most trusted NBFCs, disbursing over ₹500 Crore to more than 5 lakh customers across India.

We offer fast, transparent, and affordable loan products — backed by technology and driven by trust.

₹500Cr+
Disbursed
5L+
Customers
10+
Years
9
Products
Registration & Compliance
Company NameArham Money Financial Services Pvt. Ltd.
CINU65900GJ2015PTC000000
RBI Reg. No.N-07.00000
TypeNon-Banking Financial Company (NBFC)
Established2015, Ahmedabad, Gujarat
Registered OfficeAhmedabad, Gujarat — 380001
Contact Us
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Customer Helpline
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Toll Free
1800-XXX-XXXX  (9 AM – 6 PM)
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Email
info@arhamshare.com
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Website
arhamshare.com
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Certifications
🏦NBFC Registered
✅RBI Compliant
🏆ISO Certified
🔒256-bit SSL
© 2025 Arham Money Financial Services Pvt. Ltd.
All rights reserved · NBFC Registered · RBI Compliant
⚖️ Compare Loans
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Home Loan @ 8.40% p.a.
Bank of Baroda offering India's lowest home loan rate today — zero processing fee + no prepayment penalty.
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Prepayment
30 Yr
Max Tenure
Updated daily · Based on 10+ lenders · No credit impact
Today's Lowest Rates
Home Loan
8.40%
BoB
Education
8.05%
SBI
Gold Loan
7.50%
SBI
Car Loan
8.65%
BoB
Personal
10.49%
Axis
Business
10.75%
SBI
Two Wheeler
8.99%
Bajaj
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Loan Products
9 products · Tap to apply instantly
₹ All Loan Products
9 products · Tap to apply instantly
₹ Loan Products
🏠
Home Loan
Finance your dream home with competitive rates
★ From 8.5% p.a.
Interest Rate
8.5% p.a.
Max Amount
₹5 Cr
Max Tenure
30 Years
EMI for ₹25L at 8.5% for 20 years
₹21,710/month
Total payable: ₹52.10L · Interest: ₹27.10L
🔑 Key Features
Instant sanction in principle within 48 hours
Balance transfer available from any other bank
Top-up loan facility for existing customers
Covers purchase, construction, extension & renovation
📋 Eligibility
Age21–65 years
Min Income₹25,000/month
CIBIL Score700+
Processing Fee0.5% of loan amt
🚗
Car Loan
New & used vehicles at unbeatable rates
★ From 9.2% p.a.
Interest Rate
9.2% p.a.
Max Amount
₹50 L
Max Tenure
7 Years
EMI for ₹8L at 9.2% for 5 years
₹16,691/month
Total payable: ₹10.01L · Interest: ₹2.01L
🔑 Key Features
Up to 100% on-road price financing available
Pre-approved offers for salaried customers
Quick disbursal within 24 hours
New & pre-owned cars both eligible
📋 Eligibility
Age21–60 years
Min Income₹20,000/month
CIBIL Score680+
Processing Fee₹2,500–₹5,000
👤
Personal Loan
No collateral — instant disbursal for any purpose
★ From 10.5% p.a.
Interest Rate
10.5% p.a.
Max Amount
₹40 L
Max Tenure
5 Years
EMI for ₹5L at 10.5% for 3 years
₹16,240/month
Total payable: ₹5.85L · Interest: ₹0.85L
🔑 Key Features
100% digital paperless process
Disbursal in as little as 2 hours
Flexible repayment with no prepayment penalty
Use for travel, medical, wedding, or renovation
📋 Eligibility
Age23–58 years
Min Income₹30,000/month
CIBIL Score720+
Processing Fee1–2% of loan amt
💼
Business Loan
Scale your business instantly — no collateral
★ From 11% p.a.
Interest Rate
11% p.a.
Max Amount
₹2 Cr
Max Tenure
10 Years
EMI for ₹20L at 11% for 5 years
₹43,471/month
Total payable: ₹26.08L · Interest: ₹6.08L
🔑 Key Features
Minimal documentation for registered businesses
Overdraft facility available
Quick sanction for GST-registered businesses
Working capital, equipment & expansion purposes
📋 Eligibility
Business AgeMin 2 years
Annual Turnover₹15L+
CIBIL Score700+
Processing Fee1–2% of loan amt
🎓
Education Loan
India & abroad — moratorium during course
★ From 9.0% p.a.
Interest Rate
9.0% p.a.
Max Amount
₹1 Cr
Max Tenure
15 Years
EMI for ₹10L at 9.0% for 10 years
₹10,269/month
Total payable: ₹12.32L · Interest: ₹2.32L
🔑 Key Features
Covers tuition, living & travel expenses
Repayment begins after course completion + 6 months
Income tax benefit under Section 80E
No collateral for loans up to ₹7.5 Lakh
📋 Eligibility
Age16–35 years
Co-applicantParent/Guardian
AdmissionConfirmed admission
Processing FeeNil for students
🪙
Gold Loan
Instant cash against your gold — disbursal in 30 min
★ From 9.8% p.a.
Interest Rate
9.8% p.a.
Max Amount
₹50 L
Max Tenure
3 Years
EMI for ₹3L at 9.8% for 1 year
₹26,310/month
Total payable: ₹3.16L · Interest: ₹0.16L
🔑 Key Features
Up to 75% LTV on gold value
Disbursal in 30 minutes
Gold stored in secure insured vaults
Bullet repayment option available
📋 Eligibility
Gold Purity18–24 carat
Age18–70 years
CIBIL ScoreNot mandatory
Processing Fee₹500 flat
🏢
Loan Against Property
Unlock the hidden value of your property
★ From 10% p.a.
Interest Rate
10% p.a.
Max Amount
₹10 Cr
Max Tenure
20 Years
EMI for ₹50L at 10% for 15 years
₹53,735/month
Total payable: ₹96.72L · Interest: ₹46.72L
🔑 Key Features
Residential and commercial properties accepted
Overdraft facility against property
Retain use of property during loan tenure
Up to 70% LTV on property value
📋 Eligibility
Age25–65 years
PropertyClear title, no dispute
CIBIL Score700+
Processing Fee1% of loan amt
🛵
Two Wheeler Loan
Ride your dream bike — easy EMIs
★ From 9.5% p.a.
Interest Rate
9.5% p.a.
Max Amount
₹3 L
Max Tenure
5 Years
EMI for ₹1.2L at 9.5% for 3 years
₹3,840/month
Total payable: ₹1.38L · Interest: ₹0.18L
🔑 Key Features
All brands & models covered
Zero down payment options available
Same-day approval for eligible applicants
Doorstep document collection available
📋 Eligibility
Age18–60 years
Min Income₹10,000/month
CIBIL Score650+
Processing Fee₹500–₹1,000
🌾
Agricultural Loan
Tailored for Indian farmers — seasonal repayment
★ From 8.8% p.a.
Interest Rate
8.8% p.a.
Max Amount
₹2 Cr
Max Tenure
15 Years
EMI for ₹5L at 8.8% for 5 years
₹10,299/month
Total payable: ₹6.18L · Interest: ₹1.18L
🔑 Key Features
Kisan Credit Card facility available
Seasonal repayment schedules
Subsidised rates for eligible farmers
Crop loans, equipment & land development
📋 Eligibility
Age18–65 years
Land OwnershipRequired for secured
CIBIL Score600+ preferred
Processing FeeNil (subsidised)
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