Helposphere is a straightforward way to borrow, for a personal need or to grow a small business. Apply online, know your exact rate before you commit, and track every repayment from your account.
Checking your eligibility is free and does not affect your credit score.
Every application, personal or business, goes through the same clear steps: apply, get verified, see your terms, get funded.
For medical costs, a wedding, home repairs, or consolidating other debt. No collateral, no guarantor.
Working capital, inventory, or equipment financing for small and growing businesses. Based on bank statements, not just collateral.
*Rates and limits are indicative and depend on your credit profile, income, and lender partner. Final terms are shown before you accept anything.
Answer three questions. This is a quick estimate, not a loan approval or a credit decision, and it will not affect your credit score.
Enter your numbers and this updates with a rough idea of what you could borrow.
Fill a short form and link your bank statement or upload the documents we ask for. Takes about five minutes.
We confirm your identity and pull your credit report digitally. No paperwork, no branch visit.
You see your exact interest rate, tenure and EMI, in writing, before you agree to anything.
Once you accept, money is transferred straight to your bank account.
Move the sliders to see how the amount, tenure and rate change your EMI. This uses the same formula lenders use.
This is an estimate for planning purposes only and is not a loan offer. Your actual rate depends on underwriting.
Most lenders only look at your credit bureau score. Ours is designed to also weigh how money actually moves through your life, so more people can be assessed fairly, not just those with a long credit history.
The baseline every regulated lender starts with. It's one input, not the whole answer.
How money actually moves in and out of your account, which tells us more about affordability than a score alone.
A track record most bureaus don't fully capture yet, especially useful if you're newer to formal credit.
Pay us back well, and that history is used to offer better terms the next time, automatically.
If we can't approve a request, we tell you the specific reason, not just "declined." That reason comes directly from the signals above, not a black box.
This section describes how Helposphere's underwriting is being designed. It will be updated to reflect exactly what's live, not what's planned, before this goes public.
Loans are extended in partnership with RBI-regulated lending institutions. Full registered entity details and CIN will be published here before launch.
Documents and bank data are encrypted in transit and at rest. We never sell your personal information to third parties.
If something goes wrong, a real person handles it. Grievance officer contact details and our resolution timeline will be published here before launch.
Indian residents above 21, with a regular income (salaried or self-employed) and a bank account in their own name. Exact criteria are shown after you enter your basic details.
Personal loans are typically disbursed within 24 hours of approval. Business loans, which need bank statement review, usually take up to three working days.
Our prepayment policy will be published here before launch. Any charge that applies is always shown clearly before you accept the loan.
We will contact you before and after the due date. Late payment charges and any impact on your credit report are explained in your loan agreement, not buried in fine print.
Yes. Your documents and bank information are encrypted and used only to assess and manage your loan, in line with applicable data protection law.
Grievance officer contact details will be published here before launch, along with the RBI Ombudsman escalation path required for regulated lenders.