Personal loans up to ₹20,00,000 — approved in 2 hours, funded in 24. Low CIBIL? We still say yes.
Sanctioned amount
₹2,00,000
Disbursing to ••••4821 — 78%
Rate
12% p.a.
Tenure
36 mo
EMI
₹6,644
WHY ECI INDIA
Our AI verifies documents in seconds and a human signs off within 2 hours. The longest part is waiting for your bank to open.
Avg. approval time trending down month over month
256-bit encryption, ISO 27001 certified. Your data never leaves the vault.
A 2% file charge applies, with no prepayment penalty. The EMI you see is what you pay.
We judge income & bank history, not just a number. Fair lending for real people.
Apply from your sofa. No branch visits, no printouts, no queues.
PLAN IT IN REAL TIME
₹1,661
Principal
₹50,000
Total interest
₹9,786
Total payable
₹59,786
Loan Amount
₹50,000
APR
12%
Tenure
36 Months
File Charge (2%)
₹1,000
Amount Disbursed
₹49,000
EMI
₹1,661
Total Repayment Amount
₹59,786
Total Interest
₹9,786
FROM TAP TO TRANSFER
Fill your basics in under 2 minutes. No long forms, no jargon.
Upload 4 documents — our system reads and validates them instantly.
A real underwriter reviews and sanctions your loan. You get an SMS.
Funds hit your bank account, ready to use. That simple.
REAL BORROWERS
“Approved in two hours flat. I was skeptical about "instant" claims — these folks actually mean it.”
Rahul Sharma
Delhi · ₹1,50,000
“No hidden charges, exactly the EMI they quoted. The calculator on the site matched my loan to the rupee.”
Priya Gupta
Mumbai · ₹2,00,000
“My CIBIL was poor and three banks said no. ECI looked at my income and approved me the same day.”
Amit Patel
Bengaluru · ₹80,000
GOOD TO KNOW
Yes. We weigh your income stability, bank statement history and employment alongside (not just) your credit score. Borrowers with scores as low as 550 have been approved.
Most loans are sanctioned within 2–3 hours and disbursed to your bank within 24 hours of approval. You can track every stage live.
Four: ID proof (Aadhaar/PAN), address proof, income proof (salary slip or ITR) and a 6-month bank statement. All uploaded digitally — no branch visit.
There are no hidden charges. A 2% file charge applies and there is zero prepayment penalty. You pay only interest on what you borrow, and the EMI shown in our calculator is exactly what you’ll pay.
No paperwork mountains. No branch queues. Just answer a few questions and watch the offer appear.
✓ 100% online · ✓ No credit card · ✓ 2-minute form