Personal Loan App
Hi, I’m Chinmay!
Your search for simple borrowing ends here.
Get Started
Loan Against Mutual Fund
A Smarter Way to Borrow is the Chinmay Way!
Get an Instant Loan at Your Fingertips
Chinmay Finlease Limited is one of India’s fastest-growing digital lending platforms. Incorporated on 11 December 1996 under the Companies Act, 1956, and registered with the Reserve Bank of India under Registration No. B.01.00558, we are committed to delivering reliable financial solutions. As an RBI-registered NBFC, we specialise in providing quick Personal Loans and Loan Against Mutual Fund designed to help every individual who needs simple and reliable access to credit.
Personal Loan Online
Chinmay offers flexible loan amounts ranging from ₹10,000 up to ₹5,00,000, tailored for different financial requirements.
Loan Against Mutual Funds
Access funds from Rs. 10,000 to Rs. 3,00,000 against your mutual fund investments without disrupting your loan-term financial goals.
Pre-Approved Loan
Check the pre-approved loan limit of up to ₹75,000 and enjoy faster approvals through our Personal Loan App.
Discover your Best Loan Option
Choose from flexible financial solutions designed for your needs. Get instant funds whether you need quick liquidity or want to unlock the value of your investments, anytime and anywhere.
very easy to apply and quick approval. amount deposited in my account in 5 min. excellent service from chinmay . thank you for ur excellent disbursal.
boddu janardhan
very good experience in this app because they provide me in one loan and it's easy to apply the loan also so I am giving 5 star rating for this app.
Mahesh kumar
One off the best App for Designed loan Amount for your need..well support by staff quick response and resolve the issue..well Done ..
Jai Prakash
Easy to apply, quick disbursal and you have the best option to pay in EMI with less interest rate which is fantastic..
Krishna Sharma
This is very flexible app. Many app reject my loan request but They have successfullyapproved at the time of critical situation. Thankyou
N Karthik
nice experience and easy to use.. Very smooth process and amount credited in the midnight also.. great work.. cheers..
Kishan Kumar
Thanks to Chinmay finesse, approved the loan quickly in the need, but the loan tenure is very short. It is very helpful if the loan tenure is 6 to 9 months.
shobabu kuchipudi
this is a good loan application and easy steps for a loan within 5 minutes loan disbursement in account. thanks for chinmay teams.
Raman Gupta
Very smooth easy to use and fast loan approval process. customer support is helpful, and the money credited quickly. Highly recommended for instant personal loans.
Rahul Dev Jajoria
Excellent instant loan app so far. I was getting rejection from EMI based loan NBFC but this Chinmay App provides me a EMI based loan of 24,000 with a 34% pa interest while other apps provide 30% PM interest for just 7-10 days tenure. I am eating 5 stars for Chinmay.
saurabh chauhan
smooth transaction it's better reduce processing fee and rate of interest because it's difficult to continue with same terms immediately disbursed amount to account clearly mentioned charges and rate of interest looking to have good transaction in future thanks.
Prashantha
Application is very good and fast for processing good application and smooth process of disbursement fast disbursement process and required less documents and disbursement process is very fast
Sagar Somani
Chinmay Personal Loan App interface is very smooth and easy to use. Anyone can apply for loan by providing the required documents. The processing time is short and the staff guide you through the process, which makes it faster. The staff are very efficient and dedicated towards their customers. I would recommend it for all customers who want instant loan with minimum time.
Saravanan Sellan
Highly suggest and trusted app compared to others... Good customer service and a transparent process, Only concern regarding tenure which is small up to 6 months only.. Might be longer for the customer convince.. Best app very helpful when we really needed, processing is very easy. once verification done, within the less time money will be credited. one of the best thing only 4 months to repay. i liked it
Atul Kataria
iam emergency purpose loan wanted iam downloaded app .and details sending after quick response and sending money received amount Thankyou God from app mangment (God) My request regarding amount increased amount period extended this only my personal request Thank you sir..
Vishnmurthy murthy
One off the best App for Designed loan Amount for your need..well support by staff quick response and resolve the issue..well Done ..
boddu janardhan
very good experience in this app because they provide me in one loan and it's easy to apply the loan also so I am giving 5 star rating for this app.
Mahesh kumar
One off the best App for Designed loan Amount for your need..well support by staff quick response and resolve the issue..well Done ..
Jai Prakash
Easy to apply, quick disbursal and you have the best option to pay in EMI with less interest rate which is fantastic..
Krishna Sharma
This is very flexible app. Many app reject my loan request but They have successfullyapproved at the time of critical situation. Thankyou
N Karthik
nice experience and easy to use.. Very smooth process and amount credited in the midnight also.. great work.. cheers..
Kishan Kumar
Thanks to Chinmay finesse, approved the loan quickly in the need, but the loan tenure is very short. It is very helpful if the loan tenure is 6 to 9 months.
shobabu kuchipudi
this is a good loan application and easy steps for a loan within 5 minutes loan disbursement in account. thanks for chinmay teams.
Raman Gupta
Very smooth easy to use and fast loan approval process. customer support is helpful, and the money credited quickly. Highly recommended for instant personal loans.
Rahul Dev Jajoria
Excellent instant loan app so far. I was getting rejection from EMI based loan NBFC but this Chinmay App provides me a EMI based loan of 24,000 with a 34% pa interest while other apps provide 30% PM interest for just 7-10 days tenure. I am eating 5 stars for Chinmay.
saurabh chauhan
smooth transaction it's better reduce processing fee and rate of interest because it's difficult to continue with same terms immediately disbursed amount to account clearly mentioned charges and rate of interest looking to have good transaction in future thanks.
Prashantha
Application is very good and fast for processing good application and smooth process of disbursement fast disbursement process and required less documents and disbursement process is very fast
Sagar Somani
Chinmay Personal Loan App interface is very smooth and easy to use. Anyone can apply for loan by providing the required documents. The processing time is short and the staff guide you through the process, which makes it faster. The staff are very efficient and dedicated towards their customers. I would recommend it for all customers who want instant loan with minimum time.
Saravanan Sellan
Highly suggest and trusted app compared to others... Good customer service and a transparent process, Only concern regarding tenure which is small up to 6 months only.. Might be longer for the customer convince.. Best app very helpful when we really needed, processing is very easy. once verification done, within the less time money will be credited. one of the best thing only 4 months to repay. i liked it
Atul Kataria
iam emergency purpose loan wanted iam downloaded app .and details sending after quick response and sending money received amount Thankyou God from app mangment (God) My request regarding amount increased amount period extended this only my personal request Thank you sir..
Vishnmurthy murthy
.png)
.png)
.png)
Available Across Multiple Devices
.png)
Illustrative APR Calculation
Loan Eligibility Criteria:
-
Income: Salaried professionals with a minimum of ₹25,000/month (this may vary based on your location)
-
Age: 21-55 years
-
Documentation: Aadhaar & PAN card mandatory
-
Bank Account: Active salaried bank account is required
-
Credit Score: 700 or above
Associated Fees:
-
Interest Rate: 28 to 36.5% p.a.
-
Annual Percentage Rate (APR): 26% to 60%
-
Processing Fee & Other Applicable Charges: 5% of loan amount (Rates vary based on credit profile and risk assessment)
-
Documentation Charges: 1% of loan amount
-
Online Convenience Fee: ₹200
-
Bounce charges: ₹500 per instance
*Note: GST charges will be added to the processing charge, document charges, and online convenience charge.
Illustrative Calculation:
-
Loan Amount= ₹30,000 p.a.
-
Interest Rate= 28%
-
Loan Duration= 180 Days
-
Total interest on the personal loan= ₹4,104
-
Processing Fee (5% of the loan amount) + Documentation Charges (1% of the loan amount) + Online Convenience Fee (₹200) = ₹2,000
-
Total Deductions (Processing charges + Documentation charges + Online convenience fee + GST)= ₹2,360
-
Net Disbursed Amount= Loan Amount - Total Deductions= ₹27,640
-
Total Repayable Amount (Loan Amount + Interest)= ₹34,104
*Processing charges, Documentation charges, and Online Convenience fee are deducted upfront at the time of loan disbursal.
For any queries, contact us at support@chinmayfinlease.com or call us at 7600012589 | 7984479612
Disclaimer: This is indicative information. Final terms are subject to your credit profile and risk assessment.
Everything you need to know before applying!
Explore the key features and eligibility requirements for our Personal Loan and Loan Against Mutual Fund offerings.
Key Features
-
One-Time Registration
-
No Guarantors or Collateral
-
Loan without visiting branches
-
No Subscription or Upfront Fees
-
100% online application process
-
Dedicated Customer Support
Eligibility
-
Resident of India
-
Age between 21-55 years
-
Stable monthly income of minimum ₹25,000 or above
-
Valid PAN & Aadhaar Card
-
Active bank account
-
Credit score of 700* or above
-
Key Features
-
Apply, Pledge, and Borrow completely online
-
Unlock liquidity without redeeming investments
-
Continue earning returns on your investments
-
Dedicated Customer Assistance
Eligibility
-
Resident of India
-
Age between 18 and 60 years
-
Holder of eligible mutual fund investments worth 20,000/- or above
-
Valid PAN & Aadhaar Card
-
Registered mobile number & email linked to MF Investments
-
*Every application is evaluated through a holistic assessment process, including CIBIL score, PL score, and internal verification criteria, to ensure responsible and suitable lending for every applicant.
What makes Chinmay different?
Choosing Chinmay Finlease means choosing a financial loan provider that reciprocates your needs and lends you accordingly.
Paperless Application
Experience a seamless, 100% digital loan process with minimal documentation, making it manageable for customers to apply for a loan instantly.
RBI-Aligned Communication
All customer interactions are conducted responsibly and in line with RBI norms, ensuring a fair and stress-free experience.
RBI-Approved NBFC
Chinmay is an RBI-approved NBFC, ensuring safe & compliant lending practices operating within RBI’s regulatory framework.
100% Security & Privacy
Chinmay follows stringent RBI security protocols and advanced encryption to safeguard your personal and financial details.
Paperless Application
Experience a seamless, 100% digital loan process with minimal documentation, making it manageable for customers to apply for a loan instantly.
Fair & Ethical Communication
All customer interactions are conducted responsibly and in line with RBI norms, ensuring a fair and stress-free experience.
Frequently Asked Questions
Chinmay Finlease Limited was incorporated on 11 December 1996 under the Companies Act, 1956. As an RBI-registered NBFC, we specialise in providing quick Personal Loans and Loan Against Mutual Fund designed to help every individual who needs simple and reliable access to credit.
Chinmay Finlease Limited serves customers across India, excluding the 7 sister states of Northeast India: Arunachal Pradesh, Assam, Meghalaya, Manipur, Mizoram, Nagaland, and Tripura.
Repayment can be done using UPI, Debit Card,or Net Banking.
We are an RBI-approved NBFC (Non-Banking Financial Company).
Chinmay Finlease Limited offers 4 types of Loans. They are:
-
Personal Loan
-
Emergency Loan
-
Consumer Durable Loan
-
Loan Against Mutual Fund
-
Yes, Chinmay Finlease Limited offers both unsecured and secured loan options. Customers can apply for an Unsecured Personal Loan, which does not require collateral, or a Loan Against Mutual Funds (LAMF), a secured loan in which mutual fund investments are pledged as collateral.
An unsecured loan is a type of loan that does not require collateral or security. Unsecured loans are approved based on factors like your income, credit history, repayment capacity, and overall financial profile. Common examples of unsecured loans include personal loans, payday loans, and credit card loans.
A secured loan is a type of loan that requires you to pledge an asset as collateral. The asset can be a house, vehicle, fixed deposit, mutual funds, gold, or other valuable property. Because the loan is backed by collateral, secured loans often offer larger loan amounts, lower interest rates, and more flexible repayment terms than unsecured loans.
