Arham Fintech delivers fast, transparent, and customer-first loan solutions — backed by the power of the Arham Group ecosystem.
Arham Fintech is part of the trusted Arham Group — a diversified financial services conglomerate delivering end-to-end wealth, protection, and credit solutions.
LAS, Payroll Advance, Instapay — specialised digital lending powered by the Arham Group ecosystem.
Full-service stockbroking platform — equity, derivatives, mutual funds, and wealth management. Powers LAS directly.
Comprehensive insurance comparison and advisory. "Beyond Coverage We Care" — partner network gets priority Instapay access.
Arham Share clients pledge their equity or MF portfolio for an instant overdraft credit line — without selling a single unit.
Insurance agents and brokers in the Arham Secure network get priority Instapay access — same-day disbursal and lower rates.
Salaried employees across group partner companies get on-demand salary advances — auto-repaid on payroll credit.
One-time KYC covers all Arham Group products — lending, investing, and insurance under one seamless onboarding.
Arham Fintech's products are built around the Arham Group ecosystem — each product deeply integrated with Arham Share or Arham Secure to deliver unmatched value.
Pledge your equity portfolio held with Arham Share as collateral and get instant liquidity — without selling your investments. Ideal for investors who need short-term funds.
On-demand salary advances for salaried employees — get up to 3 months of salary before payday. Corporate tie-ups and individual access available.
Convert outstanding invoices into instant working capital. Priority access for Arham Secure agents & brokers. Open to all eligible B2B businesses.
Pledge your equity or mutual fund portfolio held with Arham Share as collateral and get an instant overdraft credit line — without selling a single unit. Keep growing your investments while accessing liquidity at the lowest rates.
Our fully digital process means you can apply, get approved, and receive your funds — all from your smartphone.
Fill out our quick application form with basic details — takes less than 5 minutes.
Upload your documents digitally. Our team verifies them instantly with AI-powered checks.
Receive your loan approval decision within minutes. Get the best offer customised for you.
Loan amount directly credited to your bank account within 24 hours of approval.
We combine technology with human expertise to deliver the most customer-friendly lending experience in India.
We prioritise strong data protection and clear communication — so you always know where you stand.
Once approved, your loan is disbursed within 24 hours directly to your bank account — no delays.
PAN, Aadhaar, and bank statements — that's often all you need. We believe in paperless simplicity.
Our proprietary credit scoring engine analyses 500+ data points to give you the best possible offer instantly.
Close your loan early without any additional charges. We reward disciplined borrowers.
A personal financial advisor guides you through every step — from application to final repayment.
We keep our eligibility criteria simple so more people can access credit when they need it most.
Get an estimate of your monthly payments
"Got my business loan approved in just 4 hours. The relationship manager was incredibly helpful and guided me through the entire process. Arham Fintech is a game-changer!"
"I was skeptical about digital lending, but Arham Fintech proved me wrong. Minimal documents, transparent process, and the money was in my account within 24 hours. Highly recommended!"
"The EMI calculator helped me plan my finances perfectly. And the loan insurance through Arham Secure gave me additional peace of mind. The Arham Group ecosystem is truly complete!"
Takes less than 5 minutes. No impact on your CIBIL score for checking eligibility.
We generally require a minimum CIBIL score of 650. However, we evaluate applications holistically. Even if your score is below 650, our team will explore alternative credit assessment methods to help you get a loan.
Once all documents are verified and your loan is approved, the amount is typically disbursed within 24 hours directly to your bank account. In many cases, the process can be completed the same day.
For salaried individuals: PAN card, Aadhaar card, last 3 months salary slips, last 6 months bank statements, and passport-size photo. For self-employed: PAN, Aadhaar, ITR for 2 years, business proof, and bank statements.
No! Arham Fintech charges zero prepayment penalty. You can close your loan at any time without paying any additional fees. We reward responsible borrowers who pay early.
As an Arham Group customer, you get exclusive cross-product benefits: loan insurance at special rates via Arham Secure, securities-backed credit through Arham Share, single KYC across all products, and a unified financial advisor who manages your complete financial health.
Yes, you can apply even with an existing loan. Our system evaluates your FOIR (Fixed Obligation to Income Ratio) to determine your repayment capacity. We also offer balance transfer options if you want to consolidate existing high-interest debt at lower rates.
Have questions about our products? Our financial experts are available 6 days a week to assist you.
Headquarters
Central Business Hub, 601-606, Parle Point, Umra Gam, Athwa, Surat, Gujarat 395007