Groww Credit: Instant Loan App vs Piramal Finance - Loans & More Usage & Stats
Finance your dreams with Groww Credit
Whether you need an instant personal loan for an unexpected expense or looking for easy EMI options to finance your next big purchase, or simply want to check Credit Score for free, Groww Credit is your all-in-one credit app.
What Groww Credit offers?
- Instant personal loan
- Free Credit Score & Credit Report
Instant personal loan
Groww Credit offers instant personal loans up to ₹10 lakh with flexible repayment options at competitive interest rates. Whether you're salaried or self-employed, get instant approvals and funds disbursed directly to your bank account.
- Loan amount of your choice: Choose your instant personal loan amount up to your pre-approved limit (max ₹10 lakh).
- Flexible tenure: Loan repayment tenure ranging from 3 months to 60 months.
- Transparent terms: No hidden charges, only clear and upfront terms.
Free Credit Score & report
Monitor your credit health with ease. Check your Credit Score for free and get a detailed Credit Report to understand your credit profile better.
- Know your Credit Score: Check your Credit Score for free and unlock the power of good credit for better loan terms and financial freedom.
- Stay in control: View your Credit Report and ensure there are no errors that could be holding you back.
- Track your progress: Watch your credit score improve over time as you make smart financial choices.
Loan Against Mutual Funds (laMF)
Don’t sell your investments when you need cash. With laMF on Groww Credit, you can borrow against your mutual fund holdings instantly.
- Instant liquidity: Get quick access to funds while your investments continue to grow (max 15Cr)
- Attractive interest rates: Pay interest only on the amount you use.
- Flexible usage: Use the loan for emergencies, big purchases, or planned expenses without disturbing your portfolio.
Responsible lending
Groww Credit adheres to responsible lending practices. Our policies and services comply with all applicable laws and regulations. We are committed to providing transparent and ethical financial services to our users.
Instant Personal Loan:
• Tenure: 3 to 60 months
• Interest rate: 11-28%
Note: Personal loans are available for select users.
Loan against Mutual Funds:
- Loan amount: Up to ₹15 crore (subject to mutual fund value and eligibility)
- Tenure: upto 36 Months (varies by lender)
- Interest rate: As low as 10-12% p.a. (varies by lender and profile)
- Pledge process: 100% digital, secure, and hassle-free
Registered NBFCs and Banks (lenders) on Groww Credit:
• Groww Creditserv Technology Pvt. Ltd.(GCS)
• Kisetsu Saison Finance (India) Pvt. Ltd.
• IDFC FIRST Bank Ltd.
Groww Credit is the DLA for the above lenders operating the Groww Credit platform and services therein with assistance from other LSPs.
A representative example of the total cost of a loan, including principal & all applicable fees:
Tenure- 12 months
Rate of Interest - 15% per annum
Processing fee - ₹1000 (2% inclusive GST)
Total Interest - ₹4156
EMI - ₹4513
APR - 18.89%
Amount Disbursed- ₹49000
Total repayment amount - ₹54156
Privacy policy: https://groww.in/privacy-policy
Groww’s registered office: Vaishnavi Tech Park, South Tower, 3rd & 4th floor, Sarjapur Main Road, Bengaluru, Karnataka -560103
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Apply for Instant Personal Loan | Check Free Credit Report | Eligibility & EMI Calculators.
The Piramal Capital & Housing Finance, herein referred to as “Piramal Finance” is a registered Housing Finance Company (HFC) with Reserve Bank of India (RBI).
Piramal Finance offers a variety of loans designed to your needs, including Home Loans, Business Loans, Instant Personal Loans, & Used Car Loans, find the right product to meet your needs by downloading our App. Effortlessly check your credit score for free, use our Eligibility & EMI calculators for financial planning, and access informative content to guide your decisions.
Home Loan
Purchasing your new home is simpler than ever with a Piramal Finance Home Loan. Secure quick funding of up to ₹2 Crore, making your dream home a reality with ease.
Features of Home Loan
Loan Amount - ₹ 5 Lakh - ₹ 2 Crore
Loan Tenure – Up To 30 Years
Loan Interest Rates Starting At 9.50%* p.a.
Benefits of Home Loan
Tax benefits
Flexibility of Repayment
100% Digital Documentation
100% Secure Process
Personal Loan
You can avail Instant Personal Loan for various purposes such as Travel, Emergencies, Weddings, Debt Consolidation, and more at competitive interest rates.
Features of Personal Loan
Loan Amount - ₹ 25 Thousand - ₹ 5 Lakh
Loan Tenure Up To 60 Months
Loan Interest Rates Starting At 12.99%* p.a.
Minimum Monthly Salary - ₹ 25,000/-
Benefits of Personal Loan
Instant Disbursal
No Co-Signer / Guarantor
100% Digital Documentation
100% Secure Process
Instant Personal Loan Example:
Loan Amount: ₹ 1,00,000
Tenure: 12 Months
Annualized Percentage Rate (APR): 17.29%
Max. Annualized Percentage Rate: 33.99%
Min. Annualized Percentage Rate: 14.49%
Equivalent Monthly Interest Rate: 1.2%
Processing Fee (PF): ₹ 1,500
GST: Charges inclusive of GST
Interest Rate: 14.49%
Interest: ₹ 8,021
EMI: ₹ 9,002
Amount disbursed: ₹ 9,830
Total repayment amount: ₹ 1,09,701
Steps to Get an Instant Loan
1. Download the Piramal Finance App
2. Apply for the loan
3. Complete the basic digital documentation – ID proof and address Proof.
4. Select Loan Amount & Tenure
5. Provide work Information
6. Update Bank Details
7. Get the quick funds to your registered bank account
Business Loan
Starting your business is quick and hassle-free with a Piramal Finance Business Loan. Choose between secured or unsecured options and get the funding you need to grow your business.
Secured Business Loan Features
Loan Amount - Up To ₹ 2 Crore
Loan Tenure – Up To 15 years
Loan Interest Rates Starting At 11.50%* p.a.
Unsecured Business Loan Features
Loan Amount – Up To ₹ 20 Lakh
Loan Tenure – Up To 48 Months
Loan Interest Rates Starting At 16.49%* p.a.
Benefits of Business Loan
No Collateral
Instant Disbursal
100% Digital Documentation
100% Secure Process
Contact Us:
If you have any feedback, questions, or concerns, please e-mail us at customercare@piramal.com or call us at 1800-266-6444. You can also reach us on WhatsApp!
Please refer to Most Important Terms & Conditions (MITC) for additional information related to loans – https://www.piramalfinance.com/stakeholders/policies
*Terms and Conditions are subject to underwriting by Piramal Finance. For details, refer to the Piramal Finance Website – https://www.piramalfinance.com/
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Groww Credit: Instant Loan App VS. 
Piramal Finance - Loans & MoreJanuary 13, 2026