Finance your dreams with Groww Credit

Whether you need an instant personal loan or are looking for easy EMI options to finance your next big purchase, or simply want to check Credit Score for free, Groww Credit is your all-in-one credit app.

What Groww Credit offers?
👉 Loan against Mutual Funds
👉 Instant personal loan
👉 Free Credit Score & Report

Loan against Mutual Funds (LAMF)
No need to sell your mutual fund investments, when you can use them to take loans! Pledge your mutual fund holdings, create your personalised credit limit, and get loans with lower interest rates.

💸 Interest only on what you withdraw
0️⃣ No foreclosure charges
💹 Zero impact on your mutual fund returns

Instant personal loan
Groww Credit offers instant personal loans up to ₹12.5 lakh with flexible repayment options at competitive interest rates. Whether you're salaried or self-employed, get instant approvals and funds disbursed directly to your bank account.

💰 Loan amount of your choice: Choose your instant personal loan amount up to your pre-approved limit (max ₹10 lakh).
⏳ Flexible tenure: Loan repayment tenure ranging from 3 months to 60 months.
📜 Transparent terms: No hidden charges, only clear and upfront terms.

Free Credit Score & Report
Monitor your credit health with ease. Check your Credit Score for free and get a detailed Credit Report.

✅ Know your Credit Score: Get better loan terms and more financial freedom.
🔎 Stay in control: Ensure there are no errors that could be holding you back.
📈 Track your progress: Improve your credit score, and make smart financial choices.

Why Choose Groww Credit?
⚡ Instant personal loan access: Get pre-approved personal loans in minutes with no paperwork or hidden charges.

⏳ Flexible repayment options: Choose an EMI plan that fits your budget and lifestyle. Repayment tenures range from 3 months to 60 months, so you can pay at your own pace.

📈 Track your credit health: Regularly monitor your Credit Score to stay informed about your creditworthiness. Responsible financial habits can help you build a strong credit history and secure better financial opportunities in the future.

Responsible lending
Groww Credit adheres to responsible lending practices. Our policies and services comply with all applicable laws and regulations. We are committed to providing transparent and ethical financial services to our users.

Instant Personal Loan:
• Tenure: 3 to 60 months
• APR: 13-48%

Note: Personal loans are available for select users.

Registered NBFCs and Banks (lenders) on Groww Credit:
• IDFC First Bank Ltd
• Kisetsu Saison Finance (India) Pvt Ltd
• Groww Creditserv Technology Pvt Ltd
• Earlysalary Services Private Limited ("Fibe")
• Poonawalla Fincorp Limited
• DSP Finance Private Limited

Groww Credit is the DLA for the above lenders operating the Groww Credit platform and services therein with assistance from other LSPs.

A representative example of the total cost of a loan, including principal & all applicable fees:

Tenure- 12 months
Rate of Interest - 15% per annum
Processing fee - ₹1000 (2% inclusive GST)
Total Interest - ₹4156
EMI - ₹4513
APR - 18.89%
Amount Disbursed- ₹49000
Total repayment amount - ₹54156

Privacy policy: https://groww.in/privacy-policy
Groww’s registered office: Vaishnavi Tech Park, South Tower, 3rd & 4th floor, Sarjapur Main Road, Bengaluru, Karnataka -560103