Credit, when you need it
Personal loans and Loans against Securities. Fast, digital, and designed for your needs.
2 ways to borrow, one trusted platform
Borrow against the investments you already hold, or get a collateral-free personal loan. Both are instant and fully digital.
Personal Loan
No collateral, no fuss. Get a personal loan with quick approval, flexible tenure, and money in your account instantly.
Loan against securities
Borrow against your mutual fund units at better interest rates without redeeming them. Your money keeps growing while you access cash.
Why choose Groww Credit?
Get the right borrowing solution for your needs with quick, digital Personal Loans and Loans Against Securities, all on one trusted platform.
Competitive interest rates
Borrow at interest rates starting from as low as 10.49% p.a.*
Flexible tenures
Choose from tenures ranging from 3 months to 60 months*
Zero charges
On prepayments and partial payments
Instant disbursal
Get quick access to your funds and withdraw in 30 minutes*
Choose how you borrow
Whether you need a personal loan or want to borrow against your securities, get your funds in minutes
Personal
Loan
Loan Against Securities
Groww is absolutely 🔥 has a lot of complex features, but is super simple to use. Trading has been fun!
Good app, all the details show on time. Also useful, and I got an excellent offer on this app.
Platform looks great. Offers are also decent. Kudos to the development team for making such a seamless application.
The interface is super smooth and the process is very simple. I have trusted Groww since its inception because of its simple interface.
This app is really good as it covers almost all the components of credit/credit score, including historical info. Truly impressed with this app. I'm considering recommending this app to people.
Excellent and beautiful user interface.
Hassle-free loan procedure. Fast and convenient process.
I have been using this app for a couple of years now. Found it very good and easy to use for share market, payments, and loan purposes as well.
Trustworthy app, no hidden charges. Everything is completely transparent.
Groww Credit is a very useful and good app. It changed my financial condition, so it's the best for me.
Very good loan app. Very fast process, credit within 2 minutes.
It's very helpful and easy to get a personal loan. Hassle-free.
Thank you, Groww and Groww Credit — I'm really grateful for this help. I approached all the banks for a loan and they said I was not eligible because of my low salary, but Groww approved it immediately. That is the day I started my pharmaceutical business. Thank you, Groww.
Excellent app. Easy to use, hassle-free transactions.
A good app for all kinds of loans... low interest helps you pay your EMI on your date.
User friendly app with hassle free, fast process catering to the needs of people with basic minimum requirements.
Get funds when you need them
Download the Groww Credit app to get a loan in minutes!
FAQs
You can borrow up to ₹20 lakh through a Personal Loan and up to ₹15 crore through a Loan Against Securities, subject to eligibility and applicable terms.
For a Loan Against Securities, you can borrow against eligible investments such as equity shares and mutual funds while retaining ownership of your investments.
Loan approval is typically completed within minutes, provided all eligibility requirements are met. Once approved, we disburse the loan amount to your bank account shortly thereafter.
Personal Loan interest rates range from 11.99% to 26.99% per annum, while Loan Against Securities interest rates range from 10.49% to 12.99% per annum, subject to eligibility.
Foreclosure charges may apply to Personal Loans if you choose to close the loan before the end of the tenure. However, there are no prepayment charges. For Loan Against Securities, there are no foreclosure or prepayment charges.
A Personal Loan is unsecured and does not require collateral or security. A Loan Against Securities, on the other hand, is a secured loan where eligible investments such as equity shares or mutual funds must be pledged as collateral to avail loans.
For a Personal Loan, customers approved under the risk-underwriting policy based on their imputed obligations and income are eligible to apply. For a Loan Against Securities, eligibility depends on the type of holdings you have, subject to the risk-underwriting policy.
You don't need to submit any physical documents. If required, the lender usually auto-fetches income and KYC documents with your consent.