A Journey That started With A Belief To Bank Different

BankEMI was founded in 2008 with a simple belief: every individual deserves access to the right loan, regardless of their financial history. What started as a small team with big ideas quickly grew into a trusted loan facilitator, helping thousands across India navigate complex lending processes with confidence. By focusing on transparency, support, and smart comparisons, we’ve redefined how people approach borrowing. We don’t lend – we guide, compare, and connect you with the most suitable financing partner for your needs.

Our journey is driven by the belief that banking should empower, not complicate. Whether you’re building a home, growing a business, or starting fresh, BankEMI is here to simplify your financial steps – one loan, one connection, and one informed decision at a time.

We help you find the right loan by understanding your needs, comparing lender options, and assisting with documentation and approvals—all with a focus on clarity, trust, and ease.

Our mission

Our Mission

To guide people toward the right loan by offering dependable support, practical solutions, and easy access to multiple lenders.

Our vision

Our Vision

To build a platform where borrowing feels straightforward, where trust matters, and where every step is clear and fair.

Our core values

Our Core Values

We believe in being honest, helpful, and consistent. Your needs come first, and our role is to simplify every decision you make.

Mr. Bahudatt Sharma

Why Our Advice Stands Apart!

We help people understand their loan options by comparing real offers from trusted lenders and guiding them through every step of the process, ensuring clarity, support, and complete peace of mind.

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Our focus stays on the process, not promotion or persuasion. Just honest, helpful guidance throughout.

  • We provide personalised guidance based on your loan type.
  • We guide applicants with low credit or rejected loan histories.
  • We guide you through forms, documents, and loan terms, making your each step easier and clearer.
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Commitment To Our Clients

We guide you through the entire loan process – explaining terms, helping with documents, and answering every question. Our goal is to make things easier for you to understand and ensure you feel informed, confident, and supported at every stage.

We always stay true to our word and our promise.

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Check Icon No Confusing Terms
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Client Commitment

Why Choose Us

Loan guidance

Loan Guidance

We listen to your needs, compare real offers, and help you understand the right loan options by simplifying every step of the application process with clear guidance.

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Multiple Options

We connect you with top banks and NBFCs, allowing you to compare multiple loan options side by side and choose the one that best fits your needs.

Expert Guidance Final

Supportive Process

Our team assists you with form filling, document checks, and lender requirements – making the loan process simple, practical, and easy to follow at every step.

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Quick Response

We keep things moving by responding quickly, guiding you at every step, and helping you stay on track to avoid unnecessary delays in loan approval.

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No Cost Help

We don’t charge you any fees. Our guidance is completely free, as we earn directly from our lending partners when your loan application is successful.

Built on trust

Built On Trust

Since 2008, we’ve helped thousands secure the right loans through clear guidance, honest comparisons, and consistent support.

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2.5B+

Loan Portfolio

Lenders

30+

Lenders Associated

Years Of Loan Expertise

15+

Years Of Expertise

No extra charges

100%

Transparent Process

Our Journey So Far

From a modest start to a trusted name, our journey reflects our belief in staying clear, helpful, and consistent in everything we do.

Foundational     Year
We began our journey in Chandigarh with a small, focused team dedicated to helping individuals connect with the right lenders, making borrowing simpler.
2008
Expansion and Growth
With growing trust, we expanded our reach across India and achieved a major milestone by facilitating 1,000 successful loan matches for individuals and businesses.
2020
Innovative Solutions Launched
We introduced advanced online tools and personalised guidance to simplify every stage of the loan journey - making it faster, easier, and more accurate.
2022
Achieving New Heights
Strengthening our position as a trusted loan facilitator offering reliable services and support to individuals and businesses across India. We crossed ₹200Cr in annual business.
2024
Expanding Our Impact
We remain committed to simplifying the loan process, providing clear, honest guidance, and ensuring that every borrower feels supported and informed at every step.
2025

Welcome to BankEMI

Learn who we are, what we do, and how we simplify loan choices for individuals, families, and businesses across India.

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Your Loan Journey Begins Here

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Certifications

We value your trust in our services, and these certifications are a proof. Our certified professionals offer reliable, informed, and tailored financial advice to meet your needs.

Certified Financial Planner

Certified Loan Advisory Specialist
(CLAS – India)

Certificate of appreciation

Diploma in Retail Loan Management & Processing (DRLMP)

Certificate of appreciation

Registered Credit Facilitation Consultant
(RCFC)

Certificate of achievement

Certified MSME Loan Consultant
(CMLC – India)

Machinery Loan Insights

Frequently Asked Questions

Get clear insights on loan FAQs, eligibility criteria, interest rates, and how to apply.

BankEMI is a loan facilitator that helps you compare offers from multiple lenders and guides you through the loan process, including documentation, eligibility, and lender coordination.

No, we do not charge you anything. Our services are completely free. We earn through partner lenders, which allows us to provide unbiased support without added costs.

Yes, we assist individuals with low or moderate credit scores by helping them find lenders with flexible eligibility criteria and guiding them on improving their chances of approval.

No, BankEMI is neither a bank nor an NBFC. We are an independent loan facilitator that connects borrowers with suitable banks, NBFCs, or financial institutions.

The timeline depends on the loan type and lender. However, most users receive lender responses and guidance within 48 hours after submitting complete details and documents.

We’ll make comparing loans effortless and easy!