A personal loan can help manage wedding-related expenses such as venue, catering, travel and other planned costs without pledging property as collateral.

Keep your KYC documents, income proof and recent bank statements ready for a smooth application.

Personal LoanFunds for Your Personal Needs

Interest Rate: 10.49% p.a.*
Max Loan Amount: ₹40 Lakhs
Loan Tenure: 03 - 84 Months

View Details Details

Medical emergency

Manage Urgent Expenses with Personal Finance

Personal finance can help cover eligible medical and emergency expenses when you need additional funds.

Keep your KYC, income proof and recent bank statements ready.

Personal LoanFunds for Your Personal Needs

Interest Rate: 10.49% p.a.*
Max Loan Amount: ₹40 Lakhs
Loan Tenure: 03 - 84 Months

View Details Details

Home Purchase

Long tenure, competitive rates

Home loans run up to 30 years, usually at lower rates than other loans, with tax benefits on both principal and interest under 80C and 24(b).

Get a sanction letter first — builders and sellers take you seriously.

Home LoanFinance Your Dream Home

Interest Rate: 8.49% p.a.*
Max Loan Amount: Up To ₹5 Cr
Loan Tenure: Up to 30 Years*

View Details Details

Growing my business

Working capital without pledging assets

Collateral-free business loans fund stock, machinery or a new branch. Lenders look at your turnover, GST returns and bank statements, not property.

12 months of current-account statements decide most approvals.

Business LoanFinance Your Business Growth

Interest Rate: Starting From 12.00% p.a.*
Max Loan Amount: Up To ₹75 Lakhs
Loan Tenure: Up To 60 Months

View Details Details

Buying a vehicle

Up to full on-road funding

New-car loans cover most of the on-road price with quick approvals at the dealership; pre-owned cars are financed too.

Compare the dealer's offer with ours before you sign the booking.

Loan optionsTell us more and we match a lender

View Details

Paying less interest

Move an old loan to a better rate

If your current loan is more than a couple of years old, a balance transfer to a lower rate can save lakhs over the remaining tenure.

Bring your latest loan statement — we show the saving before you decide.

Loan optionsTell us more and we match a lender

View Details

How It Works

Simple 5-Step Loan Process

From application to disbursal, we make your loan journey simple and transparent.

Share Your Details

Submit your basic details and loan requirement through our simple online application.

Document Verification

Submit the required documents for profile and eligibility verification.

Lender Review

Our team reviews your application and coordinates with the suitable lender as per eligibility.

Loan Approval

Once the lender approves your application, you receive the loan offer and applicable terms.

Loan Disbursal

After completion of the required formalities, the approved loan amount is disbursed by the lender.

How Much Can You Borrow?

Check Your Loan Eligibility

Get an indicative estimate based on your monthly income, existing EMIs and selected loan terms.

Monthly take-home income₹Existing EMIs per month₹TenureInterest rate (% p.a.)%

You could borrow up to

₹4,65,000

EMI up to ₹10,000 a month over 5 years

Existing EMIs use 0% of incomeLenders allow about 50%

Apply for this amount

Indicative only. The lender decides the final amount from your credit history, employer and documents.

Plan Ahead

EMI Calculator

Estimate your monthly EMI before you apply

Loan Amount (₹)₹5,00,000

₹40K₹40 lacs

Interest Rate (% p.a.)10.49%

7%24%

Tenure (Years)7 yrs

1 yr7 Years

Explore Loan Options Full schedule & more tools

Monthly EMI

₹8,428

Principal₹5,00,000

Total Interest₹2,07,929

Total Payable₹7,07,929

Required Documents

Documents You'll Need

Keep these documents ready for a smooth and faster loan application.

Salaried7Self-Employed8DSA Partner8

PAN Card
Aadhaar Card
3 Latest Salary Slips
6 Months Bank Statement
Employment ID / Company ID
Passport Size Photograph
Address Proof (if required)

Documents may vary depending on the loan type, lender policy and applicant profile.

PAN Card
Aadhaar Card
6–12 Months Bank Statement
Business Proof
GST Certificate (if applicable)
ITR / Income Proof
Business Address Proof
Passport Size Photograph

Documents may vary depending on the loan type, lender policy and applicant profile.

PAN Card
Aadhaar Card
Passport Size Photograph
Mobile Number
Email ID
Bank Account Details
Cancelled Cheque
Address Proof

Documents may vary depending on the loan type, lender policy and applicant profile.

Our Banking Partners

Trusted Bank & NBFC Partners

75+ Bank & NBFC Partners • Pan India Service • Multiple Loan Options

Trust • Transparency • Service

Why Choose RIRA CAPITAL?

Digital Loan Process

Simple and convenient digital application process designed to make your loan journey easier.

Dedicated Support

Get personalized assistance from our team throughout your loan application journey.

Multiple Lender Options

Explore loan options from our network of banks and NBFC partners, subject to eligibility.

Secure & Transparent

We focus on a secure, transparent and customer-focused loan application experience.

Wide Range of Loan Products

Explore Personal, Business, Home, Vehicle and Loan Against Property solutions in one place.

Pan India Service

Loan assistance and support available across all major cities in India.

Simple & Transparent

How We Work — Simple & Transparent

A clear loan journey with transparent communication at every step.

Consent First

We contact lenders and process your application only after your confirmation.

Trusted Lender Network

Your application may be considered by our partnered banks and NBFCs based on their policies and eligibility criteria.

Your Documents Stay Private

Your documents are handled securely and shared only when required for the application process.

Clear Charges

We explain applicable charges, terms and repayment details before you proceed.

Application Tracking

Stay informed about your application status from login to final decision.

DSA Partner programme

Become our DSA Partner — earn on every disbursal

Refer customers for loans and cards from your city. We handle the lender work; you earn a payout the day the loan is disbursed.

No joining fee, no targets to start
Track every file live from your phone
Transparent payout on every disbursal
Marketing kit and product sheets included

Become a DSA Partner DSA Partner Login

How dsa partners earn with Rira Capital

Sign up with your mobile number

OTP, name and email — no paperwork to start. Rira Capital approves you and you get your DSA code.

Refer customers from your phone

Add a customer or share your link. The customer confirms it is really them by OTP or a WhatsApp tap.

Track every file to disbursal

See each stage live. Payouts land on a monthly statement — the rate you agreed, nothing hidden.

Everything runs in your phone browser at Rira Capital — no app to install.

Financial Tools

Loan & Financial Calculators

Use our easy-to-use calculators to plan your loan amount, EMI and repayment.

EMI CalculatorMonthly instalment, total interest and the full payment schedule for any loan amount, rate and tenure.Loan EligibilityHow much loan your income can support after existing EMIs.Balance Transfer SavingsWhat moving your existing loan to a lower rate saves over the remaining tenure, after transfer costs.Part-Prepayment ImpactHow a lump-sum payment cuts your tenure or your EMI, and the interest it saves.FOIR CheckYour fixed-obligation-to-income ratio.Home Loan Tax BenefitSection 80C and 24(b) savings on principal and interest for the financial year.Credit Card EMIWhat a purchase converted to card EMI really costs with the card's rate and processing fee.What Your Credit Score MeansWhere your CIBIL score stands, what each band means for loan approval, and how to move up.

Need Help?

Talk to a Loan Expert

Get clear guidance on loan options, eligibility, documents and the application process. Call or WhatsApp us during working hours for assistance.

Call +91 97555 56192 WhatsApp us Call & WhatsApp Support

Speaks Hindi, English No charges for a consultation

RIRA CAPITAL Support TeamLoan Advisor & Customer Support

Working hours10 AM – 6 PM

Customer Feedback

Trusted Service. Clear Process.

The application process was simple and well explained. The team provided clear guidance throughout the loan journey.

RRohit SharmaPersonal Loan

A professional experience with clear communication and helpful support throughout the application process.

HHarshit JainBusiness Loan

The team explained the documentation and process clearly and guided me at every stage of the application.

RRaj Rajeshwari GuptaHome Loan

The team explained the loan process and documentation requirements clearly and provided support throughout the application.

SSantosh GuptaLoan Against Property

The application journey was straightforward, with clear communication and helpful assistance during the documentation process.

RRoshan JatavUsed Car Loan

A professional and transparent experience with proper guidance from application to the next stage of the process.

DDhannalal JatavCredit Solutions

Help & Support

Frequently Asked Questions

Clear answers to common questions about loans, eligibility and the application process.

RIRA CAPITAL is a digital loan partner platform powered by RJ FINSERV SOLUTIONS PRIVATE LIMITED. We help customers explore suitable loan and credit options through a guided application process.

You can explore Personal Loan, Business Loan, Home Loan, Used Car Loan and Loan Against Property options, subject to lender eligibility and policy.

Submit your basic details and required documents. Our team reviews the information and guides you through the next steps. The final loan decision is made by the respective lender.

Documents may include PAN Card, Aadhaar or other KYC documents, income proof, bank statements and additional documents depending on the loan type and lender.

Credit score requirements vary by lender, loan product and customer profile. A higher credit score may improve eligibility, but approval is always subject to the lender's credit policy.

Processing time depends on the lender, customer profile, documentation and verification. Some eligible cases may be processed quickly, while others may require additional verification.

No. Loan approval, interest rate, loan amount and tenure are determined by the respective lender based on its eligibility and credit policies.

Any applicable processing fees, documentation charges or other lender charges will depend on the selected loan product and lender and will be communicated as applicable.

Yes. You can use the application tracking facility on our website to check the latest available status of your application.

Yes. Individuals and eligible business partners can register through our DSA Partner Registration process and explore loan sourcing opportunities with RIRA CAPITAL.

Nationwide Coverage

Areas We Serve

Loan assistance available across India through our digital application and partner network.

Pan India Indore Bhopal Pithampur Dhar Ujjain Dewas Ratlam Mhow Gwalior Jabalpur Sagar Delhi Gurugram Noida Ghaziabad Faridabad Chandigarh Mohali Jaipur Jodhpur Kota Udaipur Ajmer Ahmedabad Surat Vadodara Rajkot Mumbai Thane Navi Mumbai Pune Nagpur Nashik Aurangabad Kolhapur Bengaluru Mysuru Mangaluru Hyderabad Secunderabad

Pan India loan assistance available. Availability, documentation and service may vary by location and lender policy.

Ready to Explore Your Loan Options?

Explore loan options from our banking and NBFC partners with guided support throughout the application process.

Apply Now

Free for borrowers — Rira Capital is paid by the lender on disbursal.