Question 1

Is this an app or a website?

Accepted Answer

A website. Open it in Chrome, Safari, or any browser on phone or computer. There is nothing to install from Play Store or App Store. You may add it to the home screen if you wish. Search Google for WishON Finserv Solutions, or open the link shared on WhatsApp.

Question 2

How do I find you on Google?

Accepted Answer

Search WishON Finserv Solutions, New Delhi. Corporate office: G-3, Block 3, Sai Enclave, Mohan Garden, West Delhi, New Delhi – 110059. The Google listing uses the same name, WhatsApp 81787 43853, support@wishonfinserv.com, and Monday–Saturday 10:00–18:00 IST. Meetings by appointment. Details on Visit.

Question 3

Is there a WishON office in West Delhi?

Accepted Answer

Yes. The corporate office is G-3, Block 3, Sai Enclave, Mohan Garden, West Delhi, New Delhi – 110059. Neighbourhoods we commonly sit with by appointment: Mohan Garden, Uttam Nagar, Nawada, Janakpuri, Vikas Puri, Tilak Nagar, and Dwarka. Files are originated pan-India. It is a desk, not a bank branch.

Question 4

How do I use this website?

Accepted Answer

Select a loan, then WhatsApp 81787 43853 or complete the enquiry form. Prefer email? Write to support@wishonfinserv.com. Completing the form does not pull the bureau.

Question 5

What is the role of AI on this website?

Accepted Answer

None in credit. Artificial intelligence does not score CIBIL, select a lender, or sanction a loan. This website collects the enquiry, runs EMI and FOIR arithmetic, and opens WhatsApp. Facility matching is a purpose selector, not a model. A counsellor reads the official CIBIL report. The partner bank or NBFC alone sanctions.

Question 6

How does Login work?

Accepted Answer

Login opens a WishON client desk on this browser — not a bank login and not TransUnion CIBIL. First visit: name, 10-digit mobile, email, and a 4-digit PIN (entered twice). Return visits: the same mobile, the same email, and the PIN — both identifiers are required. Forgot PIN: confirm name, email, and mobile, then set a new PIN twice. On the desk: your files, CIBIL workspace, EMI and eligibility calculators, full product terms, and WishON / Devraj Kashyap. Enquiry without signing in remains available.

Question 7

How does the founder see logins and get notified?

Accepted Answer

Yes — there is an Admin portal. Footer → Admin portal, or open /admin. Sign in with the founder mailbox or support@wishonfinserv.com and a 4-digit admin PIN. The CRM tab lists form enquiries saved on the server, with status and a WhatsApp reply. Desks and files on the other tabs are this browser only. Live alerts still go to WhatsApp 81787 43853 and support@wishonfinserv.com, copied to the founder. Client PINs are never shown.

Question 8

Is anyone considering a loan for personal milestones?

Accepted Answer

Typical personal milestones: a wedding, home renovation, holiday, car or two-wheeler, and a child’s education. A new home is originated as a home loan. Begin the WishON journey on the enquiry form or WhatsApp. End-use must remain acceptable to the lender.

Question 9

What is a loan?

Accepted Answer

Money taken from a bank or NBFC now and repaid later, with interest. The amount is the principal; the price is the rate of interest; the clock is the tenure. An EMI loan has a fixed monthly instalment. An overdraft charges interest only on the amount drawn. WishON does not lend — we originate. You execute with the lender.

Question 10

Why apply through WishON instead of a bank app?

Accepted Answer

We read CIBIL and banking before a lender login, match one or two programmes to the profile, and tell you if a file is unlikely to clear. That reduces needless hard enquiries. There is no sourcing fee from the applicant. The sanction letter is the lender’s.

Question 11

Are you a bank?

Accepted Answer

No. WishON Finserv Solutions is a Direct Selling Agent. We prepare and file your loan or card with banks and NBFCs. The lender sanctions, prices, and disburses. You sign with them, not with us.

Question 12

Do I pay WishON a fee?

Accepted Answer

No sourcing fee from the applicant. Processing fees, insurance, and stamp duty are the lender’s, disclosed on the sanction letter.

Question 13

Can I check CIBIL on this website?

Accepted Answer

The official TransUnion CIBIL Score & Report is free once a calendar year on cibil.com — no credit card required for that free report. Monitoring and alerts are TransUnion CIBIL’s products on their site. WishON does not issue a CIBIL score. After you download the report, WhatsApp it to 81787 43853 and we read the profile the way a lender does.

Question 14

Does an enquiry pull my CIBIL?

Accepted Answer

Filling this form, the WishON profile read, or checking your own score on cibil.com does not. A hard enquiry happens only when a lender runs bureau at login, with your consent. We tell you before that step.

Question 15

What documents are required?

Accepted Answer

Typically PAN, Aadhaar, one current address proof, last three months’ bank statements, and last three months’ salary slips (or GST / ITR for business). The exact set follows the product and the lender.

Question 16

How long does a personal loan take?

Accepted Answer

Eligible files: same-day login, same-day disbursement where the lender programme allows. Clock otherwise 24–48 working hours. Overdraft limits are typically within 24 working hours.

Question 17

Which banks for personal loans?

Accepted Answer

Private banks including HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Bandhan Bank, IDFC FIRST Bank, Yes Bank, IndusInd Bank, and South Indian Bank, plus NBFCs such as Bajaj Finserv, Tata Capital, Poonawalla Fincorp, Cholamandalam, Piramal, InCred, Finnable, Muthoot, Axis Finance, HDB, Aditya Birla Finance, and Fibe. Nationalised banks are used for home loans, not personal loans.

Institution	Interest rate	Processing fee
HDFCHDFC Bank Limited	9.99% p.a. onwards	Up to ₹6,500
Axis BankAxis Bank Limited	9.99% p.a. onwards	Up to 2%
ICICIICICI Bank Limited	9.99% p.a. onwards	Up to 2%
KOTAKKotak Mahindra Bank Limited	9.99% p.a. onwards	Up to 5%
BANDHANBandhan Bank Limited	Profile-based, from 9.99% p.a.	As per sanction letter
IDFCIDFC FIRST Bank Limited	9.99% p.a. onwards	Up to 3.5%
YESYes Bank Limited	Profile-based, from 9.99% p.a.	As per sanction letter
INDUSINDIndusInd Bank Limited	10.35% p.a. onwards	Up to 3.5%
SIBSouth Indian Bank Limited	Profile-based, from 9.99% p.a.	As per sanction letter

Institution	Interest rate	Processing fee
BAJAJBajaj Finance Limited	10.00% – 30.00% p.a.	Up to 3.93%
TATATata Capital Limited	10.99% p.a. onwards	Up to 3.5%
PFLPoonawalla Fincorp Limited	9.99% p.a. onwards	Up to 4%
CHOLACholamandalam Investment and Finance Company Limited	10.00% – 28.00% p.a.	4% – 6%
PIRAMALPiramal Finance Limited	12.14% p.a. onwards	Up to 5%
INCREDInCred Financial Services Limited	Profile-based	As per sanction letter
FINNABLEFinnable	Profile-based	As per sanction letter
MUTHOOTMuthoot Finance Limited	13.50% p.a. onwards	As per application
AXIS FINAxis Finance Limited	Profile-based	As per sanction letter
HDBHDB Financial Services Limited	10.00% – 35.00% p.a.	Up to 5.90%
ABFLAditya Birla Finance Limited	10.99% p.a. onwards	Up to 4%
FIBEFibe	Profile-based	As per sanction letter
DMIDMI Finance Private Limited	Profile-based	As per sanction letter
Credit SaisonKisetsu Saison Finance (India) Private Limited	Profile-based	As per sanction letter
L&TL&T Finance Limited	Profile-based	As per sanction letter
CreditVidyaCreditVidya	Profile-based	As per sanction letter
HEROHero FinCorp Limited	Profile-based	As per sanction letter
Money ViewMoney View (WhizDM Innovations Private Limited)	Profile-based	As per sanction letter

Lending partners

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)

Personal loan — partner rates and processing fees

Private banks

NBFCs

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

Also on panel

Mahindra & Mahindra Financial Services Limited

Shriram Finance Limited

Sundaram Finance Limited

LIC Housing Finance Limited

PNB Housing Finance Limited

SMFG India Credit Company Limited