Loans
Every loan is either secured against an asset or unsecured. Choose your path below — or tell us your requirement and we'll recommend the right one.
Borrow against property or other assets you own. Security lowers the lender's risk, so you typically get larger amounts, longer tenures and sharper rates.
Best for: Buying or building a home, unlocking value in property, large long-term needs.
Explore secured loansBorrow on the strength of your income, business performance and credit history — no asset pledged. Faster to process, ideal for working capital and shorter-term needs.
Best for: Growing an MSME, working capital, short-term business or personal needs.
Explore unsecured loansAt a glance
| Aspect | Secured loans | Unsecured loans |
|---|---|---|
| What backs the loan | Property or another asset | Your income & credit profile |
| Typical amount | Higher | Moderate |
| Typical tenure | Longer — up to 15–30 years | Shorter — 1 to 7 years |
| Interest rates | Generally lower | Generally higher |
| Processing time | Longer (valuation & legal) | Faster |
General guidance — actual terms vary by lender and profile.
EMI calculator
Adjust the amount, rate and tenure to see your monthly EMI, total interest and total payable.
Start from
Your monthly EMI
₹43,391
for 240 months
Principal vs interest paid, year by year
Want to explore your loan options?
Talk to AapKaLoan — we'll compare lenders to beat this rate where possible.
Indicative calculation on a reducing-balance basis. Actual EMI depends on the lender's rate, fees and your profile.