Personal Loan
Unsecured credit for personal milestones, medical liquidity, or high-interest debt consolidation.
Loan services marketplace
Every kind of loan, one place to compare
Caply matches you with the right institutional lender for personal, business, home, gold, and more — free to check, with zero impact on your credit score.
42 Institutional Lenders Available Live
Avg. turnaround: 18 minutes through Account Aggregator
Catalog of credit
Structured Borrowing Facilities
Standardized terms, pre-vetted covenants, and transparent APR benchmarks across tiers.
Home & Property
Purchase, construct, or refinance residential estates and commercial floor space.
Business Loan
Working capital lines, machinery procurement, and scale credit lines for verified MSMEs.
Gold Loan
Instant secured liquidity backed by physical gold vaulting with minimal bureaucratic hurdles.
Vehicle Loan
New and pre-owned two-wheelers, passenger four-wheelers, and commercial EV fleets.
Equipment Loan
Specialized asset financing for medical tech, civil engineering plants, and data centers.
Education Loan
Premier domestic and international higher degree funding with customized moratoriums.
Agricultural Loan
Kisan credit lines, seasonal crop cycles, micro-irrigation installations, and dairy farming.
Consumer intent & use cases
Browse by what you need
Curated institutional solutions modeled directly around your lifecycle stage or liquidity requirement.
Integrity by design
Why compare with Caply
Built upon modern, consent-driven open banking infrastructure. We strip the ambiguity, unsolicited calls, and opaque underwriting fees from institutional debt.
Compare in minutes
Transparent side-by-side rate comparisons across 40+ vetted schedule commercial banks and RBI-registered NBFCs.
API-SynchronizedNo paperwork chase
100% digital KYC, automated salary verification, and zero branch visits required for preliminary issuance.
Zero Paper StacksSoft credit pull only
Check your personalized borrowing limits without any impact or inquiry marks on your CIBIL score until you submit.
Zero Score FrictionBank-grade security
Consent-driven, read-only data piping powered by RBI-regulated Account Aggregators. No credentials stored.
DPDPA CompliantCompare in minutes
Transparent side-by-side rate comparisons across 40+ vetted schedule commercial banks and RBI-registered NBFCs.
API-Synchronized
No paperwork chase
100% digital KYC, automated salary verification, and zero branch visits required for preliminary issuance.
Zero Paper Stacks
Soft credit pull only
Check your personalized borrowing limits without any impact or inquiry marks on your CIBIL score until you submit.
Zero Score Friction
Bank-grade security
Consent-driven, read-only data piping powered by RBI-regulated Account Aggregators. No credentials stored.
DPDPA Compliant
Knowledge base
Frequently Asked Questions
Caply interfaces directly with lenders' algorithmic credit underwriting policies via standardized APIs. By fetching authorized transaction metadata through RBI-regulated Account Aggregators, Caply models your repayment capability and instantly surfaces lenders whose pre-defined risk criteria you already fulfill, ensuring higher sanction odds and accurate APR quotes.
No. When you search and evaluate offers on Caply, only a "soft inquiry" is performed to verify basic parameters. Soft inquiries are completely invisible to other financial institutions and have zero negative effect on your credit profile or CIBIL metrics. A formal hard pull only occurs once you choose to finalize a specific lender agreement.
Through Account Aggregator integration and DigiLocker KYC, most applicants require zero physical paper documentation. You only need your Aadhaar-linked mobile number for instant verification, PAN, and explicit consent to pipe your primary bank account statements directly to the underwriting partner.
For personal and gold loans, approvals are programmatic and can occur in under 15 minutes, with electronic NEFT/RTGS disbursals completed within 2 to 4 hours. Larger secured asset debts (such as Home or Commercial Equipment loans) generally complete verification and technical legal inspections within 3 to 5 business days.
Yes, completely. Caply operates on strict data minimization guidelines under the Digital Personal Data Protection Act (DPDPA). We never store your banking credentials, passwords, or transaction telemetry. All exchanges are 256-bit encrypted end-to-end and transmitted via authorized financial information providers (FIPs).