RBI-COMPLIANT · 100% DIGITAL PROCESS

Loans that help you
grow your roots.

Personal, home, auto and business loans with transparent rates, fast approvals and zero hidden charges. Money Root stands with you in every season.

₹25 lac+
Disbursed
1.2 K+
Happy customers
24 hrs
Avg. approval
Happy family in front of their home
7.5%* p.a.
starting interest
No hidden fees Paperless approval Flexible tenure up to 30 yrs Dedicated relationship manager 256-bit secure
OUR LOAN PRODUCTS

One partner for every milestone

Choose the loan that fits your goals. Each comes with transparent pricing and a process built around you.

Personal Loan

Funds for weddings, travel, medical or any personal need — up to ₹25 lakh.

From 10.5% p.a.

Home Loan

Buy, build or renovate your dream home with tenures up to 30 years.

From 8.6% p.a.

Vehicle Loan

Drive home your new or pre-owned car with up to 100% on-road funding.

From 9.2% p.a.

Business Loan

Working capital and growth funding for MSMEs — collateral-free up to ₹50 lakh.

From 13.0% p.a.
EMI CALCULATOR

Plan your repayment in seconds

Loan amount
₹50 K₹50 L
Interest rate (p.a.)
6%24%
Tenure
1 yr30 yrs
Your monthly EMI
Principal
Principal Interest
Principal amount
Total interest
Total payable
Apply for this loan
TRANSPARENT PRICING

Compare our rates

Loan type Interest (p.a.) Max amount Max tenure Processing fee
Personal Loan10.5% – 18%₹25 lakh5 yearsUp to 2%
Home Loan8.6% – 11%₹5 crore30 years0.5%
Vehicle Loan9.2% – 14%₹1 crore7 years1%
Business Loan13% – 22%₹50 lakh10 yearsUp to 2.5%

*Rates are indicative and subject to credit profile, income and Money Root’s lending policy. T&C apply.

CUSTOMER STORIES

Trusted across India

★★★★★

“Got my home loan approved in just two days. The team explained every charge upfront — no surprises at all.”

RS
Rajesh Sharma
Vijayawada · Home Loan
★★★★★

“As a small shop owner, the collateral-free business loan was a lifeline. Truly stood with me in a tough season.”

PL
Padma Lakshmi
Vijayawada · Business Loan
★★★★★

“Fully digital, zero paperwork hassle. The EMI calculator helped me pick a tenure I’m comfortable with.”

AK
Arjun Kumar
Vijayawada · Personal Loan
FAQ

Questions, answered

Who is eligible to apply for a loan?+
Indian residents aged 21–65 with a steady income source can apply. Salaried, self-employed and business owners are all welcome. Exact eligibility depends on your credit profile and income.
How long does approval take?+
Most personal and auto loans are approved within 24 hours of document submission. Home and business loans may take 2–4 working days for verification.
What documents do I need?+
PAN card, Aadhaar, recent bank statements (6 months), salary slips or ITR, and address proof. Business loans additionally require GST and financial statements.
Are there any prepayment charges?+
Floating-rate home loans carry zero prepayment penalty. For other loans, a nominal foreclosure fee may apply after the lock-in period — always disclosed upfront.
How is my interest rate decided?+
Your rate is based on credit score, income stability, loan amount, tenure and the loan type. A higher credit score typically unlocks our best rates.

Ready to take the next step?

Apply in minutes and get an instant indicative offer. No impact on your credit score to check.

Apply Now