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Plain language

What is a loan?

You borrow a sum. You return it, plus interest, on a clock. Click each part. Then pick the product that matches — or WhatsApp the desk.

The contract

What a loan is

Money you take now. You repay it later, with interest.

A loan is a contract. A bank or NBFC gives you a sum (the principal). You give it back over a fixed time (the tenure), plus a charge for the use of that money (the interest, or ROI). Until it is repaid, you owe the lender — not WishON. We are a Direct Selling Agent: we prepare and file the paper. They sanction and disburse.

Start an enquiryWhatsApp the deskSee an EMI

WishON desk

Types, eligibility, apply, benefits

What each loan is. Who qualifies. How to file through WishON Finserv Solutions. Why that is better than five bank apps. Indicative — the sanction is the lender’s.

Explanation

Personal Loan

WishON’s core product. Unsecured. Tenure up to 8 years. Amount typically ₹75 lakh to ₹1 crore depending on the bank or NBFC and the overall profile. Originated with private banks including HDFC Bank, ICICI Bank, Axis Bank, and Kotak Mahindra Bank, and with NBFCs. Not with nationalised banks. Rate starts at 9.99% p.a.

Unsecured cash — no house, no gold. Typical purposes include a wedding, home renovation, holiday, car or two-wheeler, and a child’s education. EMI every month. Private banks and NBFCs only. A new home is originated as a home loan, not as a personal loan.

From
9.99% p.a.
Amount
₹50,000 – ₹1 Cr
Tenure
Up to 8 years
Who it suits
Salaried
Apply for Personal LoanFull product

Products

Loans we file

Personal unsecured up to ₹1 Cr from 9.99% p.a., with private banks and NBFCs. Home loan up to ₹20 Cr from 7.25% with nationalised banks. LAP up to ₹50 Cr. Overdraft from 11.50%, up to 9 years. A balance transfer is filed only after the existing loan and the receiving lender’s terms are read — WishON does not publish a transfer rate it cannot evidence. Rates and tickets are indicative; the sanction letter is the lender’s.

Personal Loan, illustrative photographMajor desk

Personal 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

Overdraft, illustrative photographMajor desk

Overdraft

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

Business Loan, illustrative photograph

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, illustrative photograph

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, illustrative photograph

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, illustrative photograph

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

Match the facility

Not sure which loan to file?

Select the purpose. This is a menu, not an AI model. A counsellor reads the file and files with one or two lenders. No bureau pull at this step.

Unsecured personal loan — private banks and NBFCs, from 9.99% p.a.

Full enquiry — Personal Loan

The desk contacts you on the mobile you entered. No chatbot. Calculators on this site are arithmetic, not an automated sanction.

Compare

Overdraft vs personal loan

Personal starts cheaper on the board — 9.99% vs 11.50%. Overdraft can still cost less if you do not draw the full limit. Floor rates only. Not a sanction.

Personal loanOverdraft
Floor ROIFrom 9.99% p.a.From 11.50% p.a.
Interest charged onThe full outstanding, every month, as you amortize.Only what you have drawn, for the days it is drawn.
Monthly cash outFixed EMI (principal + interest).Interest on utilisation. Principal stays until you repay it.
TenureUp to 8 years.Limit up to 9 years, reviewed.
ClockSame-day login / disbursal on eligible files; else 24–48 working hours.Limit typically within 24 working hours.
Ends atZero. The loan is closed.Whatever you still have drawn. It is a line, not a term loan.
LendersPrivate banks and NBFCs — not PSU banks.Private banks and NBFCs; salary-account OD or business CC.

Desk math

Same ticket. Different bill.

Personal EMI at 9.99% on the full amount. OD interest at 11.50% only on the slice you keep drawn.

₹5,00,000
36
50%

Personal loan

Monthly EMI

₹16,131

Interest over 36 months

₹80,725

Balance at the end

₹0

Overdraft

Monthly interest on ₹2,50,000 drawn

₹2,396

Interest over 36 months

₹86,250

Still drawn at the end

₹2,50,000

OD is lighter on the monthly cash this month — you are not forced to repay principal. Interest over the period is lower on the personal loan — OD at 50% drawn is expensive because the principal never shrinks. If you will keep the money fully drawn for years, take the personal loan. If you need a working line you park and draw, take the OD.

Indicative at floor ROI. Actual rates move with CIBIL, amount, and lender.

Enquire for the cheaper fitPersonal loanOverdraft

Who we file for

Business credit, overdraft, and LAP for these constitutions. Personal loans for salaried and government employees.

  • Proprietorship
  • Partnership
  • LLP
  • Private Limited
  • Public Limited
  • Unlimited company
  • Government employee
  • Trust
  • NGO / Society
  • Private school & college
  • Hospital