Mahalaxmi Finance will never request any extra fees during the loan process. Any applicable charges will be deducted directly from the Loan Account.
How Mahalaxmi Works
From application to disbursal in as little as 24 hours
01
Create Your Account
Sign up with your mobile number and basic details. KYC happens later – first you explore loan options.
02
Choose Your Loan
Browse 25+ loan products across personal, home, business, vehicle, education, and gold. Use EMI calculator to find the right tenure.
03
Fill Application
Our smart form auto-fills from your Aadhaar/PAN. Takes 60 seconds for personal loans.
04
AI Approval
Our AI engine evaluates your credit profile in 3 minutes using bank statement, credit history, and 50+ data points.
05
eSign Agreement
Receive your loan agreement digitally. Sign using Aadhaar eSign – no printing or scanning required.
06
Funds Disbursed
Money credited to your bank account within 24 hours. Track everything in your dashboard.
Why our process is different
- 100% digital - No paperwork, no branch visits, no physical signatures.
- AI-powered - No human bias, consistent decisions based on data.
- Transparent - All charges, fees, and terms shown upfront. No hidden surprises.
- Secure - Bank-grade encryption, RBI compliant, ISO 27001 certified.
- Customer-first - 24x7 support, dedicated relationship manager for high-value customers.
Apply
→
AI
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eSign
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Disburse