AI that talks, listens, and gets you the best loan deal.
Compare 50+ lenders. Check eligibility instantly. Get approved — all through a simple conversation with Dhana.
Powered by 50+ lending partners
How PaisaOnClick works
We connect Indian borrowers with 50+ lending partners — banks, NBFCs, and fintechs — through conversational AI. Borrowers use our platform for free. We earn commission from lending partners on successful loan disbursals.
Free for borrowers
Borrowers use PaisaOnClick at zero cost — no fees, no markup, no hidden charges.
Commission from lenders
We earn commission from lending partners when loans are successfully disbursed.
AI-powered matching
Our technology matches borrowers with the best loan products from 50+ partners in real-time.
Real traction, real impact
Lending Partners
Banks, NBFCs & fintechs
Loan Applications
Processed through our platform
Loans Facilitated
Total disbursement value
Users Served
Across India
Lender partners
Average eligibility check
Faster than traditional
AI that never sleeps
How it works
Three simple steps to your perfect loan.
Tell us what you need
Just type or speak naturally. Tell Dhana what loan you need, how much, and your basic details.
AI matches you instantly
Our AI compares 50+ lenders in real-time — banks, NBFCs, and fintechs — to find the best rates for your profile.
Apply and get approved
Complete your application, verify your identity, and get your loan approved — all without leaving the app.
Built for India's borrowers
Everything you need to find, compare, and secure the right loan.
Talk, don't type
Speak to Dhana in English, Hindi, or Malayalam. Our AI understands you naturally — no forms, no jargon.
Bank-grade security
AES-256 encryption, DPDP Act compliant. Your financial data is never shared without explicit consent.
Instant eligibility
Know your loan eligibility in under 2 minutes. Soft credit check — no impact on your score.
50+ lender network
From banks to NBFCs and fintechs — we compare them all to surface the deal that fits you best.
Built for India's digital future
A fully digital, AI-first platform — from conversational interfaces to real-time lender matching.
Conversational AI
Google Gemini-powered NLP engine with intent classification and context-aware loan guidance.
Multilingual Voice AI
Voice interaction in English, Hindi, and Malayalam via WebRTC with real-time STT and TTS.
Cloud-Native Architecture
Microservices built with NestJS, FastAPI, and Next.js — designed for scale on cloud infrastructure.
Bank-Grade Security
AES-256-GCM encryption for all PII. DPDP Act compliant. No data shared without explicit consent.
The old way vs. Dhana
Time to check eligibility
Lenders compared
Language support
Available hours
Branch visits needed
Credit score impact
Trusted by investors & institutions
Invested by
Group Meeran
Invested by
JAIN University
Incubated by
Innovation Incubator
Supported by
Kerala Startup Mission
Selected from over 500 applicants to pitch at Kerala's premier business investment reality show. Organized by JAIN University and supported by Kerala Startup Mission and Kerala Angel Network.
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