MYCREDMYCREDOne quick form, and we match you to the credit card, loan, or insurance plan that actually fits — from India's leading banks and NBFCs.
Cards sourced from leading institutions
Most people pick a credit card from an advert and hope for the best. We thought it should work the other way round — one desk that reads how you actually spend, compares thirty of India's biggest banks, and gives you a named advisor from the first call to the card in your hand. Every charge on the table before you commit. No fine print. No cost to you.
No branch queues, no guessing games — just a short form and a team that handles the rest.
A two-minute online form tells us who you are and checks instant pre-approved matches without hurting your CIBIL score.
Your dedicated advisor screens offers from 30+ institutions, negotiates rates, and selects your optimal fit.
Digital document verification and KYC check handled through our secure portal with zero branch running around.
Direct bank approval within 24–48 hours, with immediate fund disbursal or credit card doorstep delivery.
MYCRED sits between you and India's biggest banks and NBFCs, doing the comparing, negotiating, and follow-up that most people don't have time for. Over ten years we've turned a confusing, form-heavy process into a single conversation — and helped tens of thousands of individuals and businesses borrow on better terms.
Every charge and condition explained before you sign, never after
Advisors who have spent a decade inside lending and know what banks look for
Light documentation and direct bank channels keep your file moving
A few of the thousands of customers we've helped borrow better.
"The rate MYCRED negotiated on my home loan was half a percent below the bank's own branch quote. Over twenty years, that's serious money saved — and the process felt effortless."
"Festival season stock had to be paid for in a week. My working-capital loan was sanctioned in a day and a half, with barely any running around. That's what kept my shelves full."
"What stood out was the honesty. Every fee was spelled out on day one, and my advisor even talked me out of a bigger loan I didn't need. You don't forget service like that."
"I'd been picking credit cards by their adverts. MYCRED actually looked at my statements, matched a card to my spending, and my rewards have roughly tripled since."
"With the wedding three weeks away, I had no time for bank visits. The loan was approved inside a day, fully online. My advisor handled everything while I handled the caterers."
"Buying our first flat felt overwhelming until MYCRED broke the whole thing into simple steps. They compared lenders for us and the sanction came through smoothly. Genuinely grateful."
Straight answers before you fill in a single field.
For most products: PAN and Aadhaar, proof of address, recent salary slips or ITR, and about six months of bank statements. Secured loans add property papers. Your advisor confirms the exact checklist for your product before anything is submitted, so nothing bounces back.
Personal loans and credit cards often clear within 24 hours. Home and business loans usually take 3–7 working days because of valuations and verifications. Since we pre-check every file, avoidable delays are largely eliminated.
Nothing. Our revenue comes from the institutions whose products we place, not from you. Any processing fee a bank levies is disclosed to you upfront — you'll never discover a charge after the fact.
Often, yes. Lenders weigh profiles differently, and our panel includes institutions that look beyond the score alone. We'll tell you honestly where you stand, place your file where it has the best odds, and suggest practical steps to strengthen your score for next time.
Only MYCRED and the specific lender processing your application. Data travels over 256-bit SSL encryption, is never sold or circulated to third parties, and is handled in line with applicable Indian data-protection requirements.
A short conversation with our specialists costs nothing and commits you to nothing — you'll simply know exactly where you stand.