Direct Selling Agent · Pan-India
Find the right personal loan for your needs
WishON Finserv Solutions helps you understand eligibility and an EMI estimate, then assists with the application. We are not a bank or an NBFC. The lender decides whether to approve the loan and what it will cost.
The WishON journey
Finance for personal milestones.
Considering a loan for a wedding, a home renovation, a holiday, a car or two-wheeler, a child’s education, or the purchase of a new home? WishON is your dedicated loan partner. We support those aspirations with clear terms and a profile-first filing. Begin your WishON journey today — we will help you fulfil the wish.
Principles
Clarity of terms. Informed profiling. Selective filing.
Simplified origination
A defined document set, a single enquiry, and filing by WishON. The applicant is not required to approach multiple bank applications independently.
Commercial transparency
Indicative terms are discussed before a file is logged. WishON is a Direct Selling Agent. The sanction letter is the lender’s. WishON does not approve a loan or set the price.
Credit profiling first
Bureau, banking conduct, and FOIR are reviewed before a lender login. We advise wait, rectification, or filing — so a hard enquiry is not unexpected.
Fewer declines
One or two institutions selected to the profile, not a simultaneous market approach. Where a proposal is unlikely to clear, we say so before the bureau is pulled.
How to enquire
Three steps. Then we lodge the proposal.
01
Select the facility
Personal loan, overdraft, business credit, home loan, loan against property, or a credit card. Indicative terms and partners are on each product.
02
Submit an enquiry
WhatsApp 81787 43853, write to support@wishonfinserv.com, or complete the form. No bureau pull at this stage.
03
Institution is matched
Private bank or NBFC for personal loans; nationalised bank for home loans. You execute with the lender, not with WishON.
CIBIL
Free TransUnion CIBIL report. We read the profile.
Official score and report once a year on cibil.com — no credit card for that free pull. Then WhatsApp the PDF. WishON does not issue a CIBIL score.
Major desks
Personal loan and overdraft.
Personal loans and overdrafts are discussed with private banks and NBFCs. The amount, tenure, and price are on the lender’s sanction letter. Nothing on this page is an approval.
Major deskPersonal Loan
Our busiest desk. Unsecured credit up to ₹1 Cr and 8 years, from 9.99% p.a. depending on profile.
Indicative from
9.99% p.a.
Up to ₹1 Cr · 8 yr
Major deskOverdraft
Our other major desk. OD and cash credit — limits up to 9 years. Rate from 11.50% p.a. Limit typically within 24 working hours.
Indicative from
11.50% p.a.
Up to ₹5 Cr · 9 yr
Also filed
Business, home, LAP, cards.
Business Loan
Term credit up to ₹1 Cr unsecured — from proprietorship to public limited, trusts, and institutions.
Indicative from
11.00% p.a.
Up to ₹1 Cr · 7 yr
Home Loan
Buy, build, or balance-transfer — nationalised banks, from 7.25% p.a., tickets up to ₹20 Cr.
Indicative from
7.25% p.a.
Up to ₹20 Cr · 25 yr
Loan Against Property
Raise funds on a clear residential or commercial property — up to ₹50 Cr.
Indicative from
9.25% p.a.
Up to ₹50 Cr · 15 yr
Credit Cards
Private-bank and NBFC cards — lifetime-free, premium, and business variants.
Indicative from
1.49% p.m.
Up to ₹15 L · 1 yr
Where files are sent
Institutions we can approach
These marks belong to the institutions. Showing a name is not a partnership certificate, a rate, or an approval. Personal-loan files are discussed with private banks and NBFCs. Home-loan files are discussed with nationalised banks.
Personal loan · private banks
HDFC Bank Limited
Axis Bank Limited
ICICI Bank Limited
Kotak Mahindra Bank Limited
Bandhan Bank Limited
IDFC FIRST Bank Limited
Yes Bank Limited
IndusInd Bank Limited
South Indian Bank Limited
Personal loan · NBFCs
Bajaj Finance Limited
Tata Capital Limited
Poonawalla Fincorp Limited
Cholamandalam Investment and Finance Company Limited
Piramal Finance Limited
InCred Financial Services Limited
Finnable
Muthoot Finance Limited
Axis Finance Limited
HDB Financial Services Limited
Aditya Birla Finance Limited
Fibe
DMI Finance Private Limited
Kisetsu Saison Finance (India) Private Limited
L&T Finance Limited
CreditVidya
Hero FinCorp Limited
Money View (WhizDM Innovations Private Limited)
Home loan · nationalised banks
State Bank of India
Punjab National Bank
Bank of Baroda
Canara Bank
Union Bank of India
Bank of India
Indian Bank
Bank of Maharashtra
Central Bank of India
Indian Overseas Bank
Who we file for
Every constitution that needs credit.
Personal loans for salaried and government employees. Business credit, overdraft, and LAP for firms, companies, trusts, and institutions.
- Proprietorship
- Partnership
- LLP
- Private Limited
- Public Limited
- Unlimited company
- Government employee
- Trust
- NGO / Society
- Private school & college
- Hospital
How a DSA works
We take the file to the bank. The bank takes the risk.
01
Register the requirement
Product, amount, location, and nature of income. A few minutes. No bureau pull at this stage.
02
Profile assessment
CIBIL and banking are read first. We identify a lender with a reasonable prospect of sanction, or we advise delay.
03
Login with consent
One or two institutions. The applicant consents before any hard enquiry.
04
Sanction and disbursement
The bank or NBFC decides. Documents are executed with the lender. WishON remains on the file until disbursement.
Guides
Read this before you apply
Personal loan eligibility in India
What lenders usually read before a personal-loan login.
Documents for a personal loan enquiry
The usual set. The lender can still ask for more.
How a CIBIL report affects a personal loan
The score is one line. Lenders read the accounts under it.
Common reasons a personal loan is declined
Why a file stops, and what is worth fixing first.
Business loan eligibility
Banking and constitution matter more than a slogan.
Loan against property, explained
A secured facility. The property and the income are both read.
Overdraft facilities, explained
A limit you draw and repay, not a fixed EMI in every case.
Questions we get
Register an enquiry with WishON.
WhatsApp 81787 43853, email support@wishonfinserv.com, or complete the form. The team responds on the same working day. Pan-India. The lender decides the outcome.