Explore suitable personal loan options based on your financial needs, eligibility and repayment capacity. Get clear information on loan amounts, interest rates, fees and repayment terms before you apply.
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Simple, transparent and clearly disclosed personal loan information before you apply.
Ujjivan Cash personal loans are subject to eligibility, KYC verification, document verification, credit assessment and applicable lending policies. Submission of an application does not guarantee approval or disbursal.
Minimum approved repayment tenure.
Final tenure depends on approved loan terms.
Per annum. Shown separately from the representative example.
Subject to eligibility and credit assessment.
Actual rate depends on applicant profile and assessment.
Subject to approved loan terms.
Actual APR and applicable charges must be confirmed in the KFS.
The following representative example is provided to show the estimated cost of borrowing. Actual loan terms, fees, taxes, EMI and total repayment may vary based on eligibility and approved terms.
*The ₹2,360 processing fee assumes a 2% processing fee plus 18% GST for illustration. Replace this calculation if your actual applicable processing fee/tax treatment is different. Applicable charges and taxes will be disclosed in the applicable KFS, sanction letter and loan agreement before acceptance.
This is an illustrative representative example and is not a guarantee of the loan amount, interest rate, EMI, fees or approval. Actual figures may vary according to applicant eligibility, credit assessment and approved loan terms.
Applicable charges are disclosed below. Exact charges applicable to an approved loan will be stated in the applicable KFS and loan agreement.
| Fee / Charge | Applicable Charges | Applicability / Details |
|---|---|---|
| Processing Fee | Up to 2% + applicable GST | One-time charge, where applicable |
| Documentation Charges | Up to ₹500 + applicable taxes | Where applicable |
| Stamp Duty / Agreement Charges | As applicable under state law | Government / statutory charges, where applicable |
| EMI Bounce / Dishonour Charge | ₹590 + applicable taxes | For dishonour / failed repayment, where applicable |
| Mandate Rejection Charge | ₹250 per instance | For mandate rejection, where applicable |
| Late Payment / Penal Charges | 2% p.m. on overdue EMI + applicable taxes | Applicable on overdue amount, where charged |
| Part-Prepayment Charge | Up to 5% of prepaid amount + applicable taxes | If part-prepayment facility is available |
| Foreclosure / Full Prepayment | Up to 5% of principal outstanding + applicable taxes | For early full closure, where applicable |
| Repayment Mandate / Instrument Swap | ₹500 + applicable taxes | Per approved swap request, where applicable |
| Duplicate NOC / Document Copy | Up to ₹250 + applicable taxes | Where duplicate physical copies are requested |
| Legal / Recovery Charges | Actual applicable costs | Where recovery / legal action is required |
| Loan Cancellation Charge | Nil during applicable cancellation period | Cancellation terms will be provided before acceptance |
| Statement / Repayment Schedule | Nil | Where no charge is applicable |
| Annual Maintenance Charge | Nil | No annual maintenance fee |
The charges displayed above are applicable only if they form part of the actual Schedule of Charges and Key Fact Statement (KFS) for the Ujjivan Cash loan product. Applicable taxes will be charged wherever required by law. No fee or charge will be collected from the borrower unless it is disclosed in the applicable loan documentation.
The above charges must exactly match Ujjivan Cash's actual Schedule of Charges and applicable KFS. Do not publish a fee as "Nil", a fixed amount or a percentage unless that charge actually applies on your product.
Personal loan approval is subject to eligibility, KYC verification, document verification, credit assessment, income and repayment-capacity assessment and applicable lending policies.
Understand the application process, document requirements, verification and loan decision.
Provide accurate personal, employment and financial information.
Submit KYC and other documents requested during the application.
Eligibility, identity, income and repayment capacity are assessed.
If approved, final terms are provided before acceptance and funds are disbursed according to the approved terms.
Review the business and customer support information below. Verify the legal entity and contact details against the applicable official documents before publishing.
The interest rate, APR, processing fee, applicable taxes, repayment period, EMI, penalties and other applicable charges may vary based on the applicant's profile, credit assessment and approved loan terms.
Before accepting a loan, applicants should review the applicable Key Fact Statement (KFS), sanction letter and loan agreement carefully. These documents contain the final terms and total repayment obligations.
Review applicable rates, fees, repayment terms and total cost before accepting an offer.
Final fees, taxes, EMI and other obligations are subject to applicable loan documentation.
Read the KFS, sanction letter and loan agreement before accepting the applicable terms.
Loan options from ₹50,000 to ₹20 Lakh may be available depending on your eligibility, credit profile, income, repayment capacity and applicable lender terms.
Calculate your EMI based on the loan amount you need and understand your potential repayment before applying.
Calculate EMI
Why Choose Us
At Suryoday Capital, we focus on making loan-related information easier to understand. Explore loan options, eligibility criteria, applicable charges and repayment terms before deciding whether to proceed with an application.
Review available loan options by looking at applicable interest rates, fees, tenure, eligibility requirements and other important product terms.
Find practical information about loan eligibility, documents, repayment, interest, fees and other factors that may affect the overall cost of borrowing.
Loan approval is never guaranteed. Final eligibility, interest rate, loan amount, fees and other terms are determined by the applicable lender and its assessment.
Borrow with clarity, not pressure. Take time to understand the applicable loan terms and review the lender's final documents before proceeding.
Learn More
Explore different types of loans and understand their typical purpose, eligibility factors, repayment terms and applicable costs. Actual availability, interest rate, fees and approval depend on the applicable lender, product and your financial profile.
Unsecured borrowing that may be used for personal needs such as planned expenses, emergencies, medical costs, weddings or other eligible purposes.
Financing that may be available for purchasing, constructing or, where applicable, renovating a residential property.
Business financing that may support working capital, expansion, equipment purchase or other eligible business requirements.
Financing that may help cover eligible education expenses such as tuition, course fees and other approved costs, subject to lender criteria.
Financing for eligible new or used vehicles, depending on the lender's product rules, vehicle type and applicant eligibility.
A secured loan against eligible gold jewellery or approved gold assets, subject to lender valuation, loan-to-value rules and applicable conditions.
Personal borrowing that may be used for eligible medical or urgent expenses, depending on the applicable lender and product terms.
Financing that may be available for eligible home improvement, repair or renovation expenses, subject to lender-specific conditions.
A loan that may be used to consolidate eligible existing debts into a new repayment arrangement, where permitted by the lender.
Interest rates, Annual Percentage Rate (APR), processing fees, GST and other taxes, tenure, loan amount, eligibility criteria, prepayment or foreclosure charges and other terms vary by lender, product and applicant profile. The information shown on this website is for general information and comparison purposes only.
Suryoday Capital does not guarantee loan approval, loan amount, interest rate, tenure or disbursement. The applicable lender independently evaluates the application and determines the final terms. Always review the lender's Key Facts Statement (KFS), sanction letter and loan agreement before accepting a loan.
Estimate your monthly EMI based on the loan amount, applicable interest rate and repayment tenure. Adjust the values below to understand your estimated repayment before applying.
Estimated monthly repayment
The following figures are calculated using the values selected above and are for illustration purposes.
See how changing the repayment tenure can affect your estimated monthly EMI and total interest.
| Tenure | Loan Amount | Interest Rate | Estimated EMI | Estimated Interest | Total Repayment |
|---|
This EMI calculator provides an illustrative estimate based on the loan amount, interest rate and tenure entered. It does not constitute a loan offer, approval or guarantee. Actual EMI, interest rate, fees, taxes, tenure and other applicable charges may vary depending on eligibility, credit profile, lender assessment and applicable terms.
Fill in your details like you would in a loan passbook. We'll estimate what you may be eligible for based on your income, obligations and credit profile.
Fill in the fields above, then check your eligibility.
This is an illustrative estimate, not a loan offer. Actual eligibility depends on lender assessment, documentation and credit verification.
Your CIBIL score is a three-digit number that tells lenders how reliably you manage credit. It's built from your repayment history, how much of your credit limit you use, and the mix of loans and cards you hold — and it plays a big part in whether a loan gets approved, and at what rate.
The difference between a fair score and a strong one shows up in real terms, not just on paper.
Lenders reward reliability with sharper rates — over a long tenure, this can save a significant amount in total interest.
A strong score usually means less back-and-forth and a quicker turnaround on your application.
You can typically borrow more against the same income when your score works in your favour.
A high score gives you room to negotiate tenure, processing fees, and other loan terms.
Many lenders proactively extend pre-approved loans and cards to customers with a high score.
None of these move the needle overnight, but done consistently, they add up.
EMIs and credit card bills paid by the due date are the single biggest factor in your score.
Using less than a third of your credit card limit at any time signals healthy usage.
Several hard inquiries in a short window can pull your score down, even if you're approved.
A longer credit history generally helps your score, so think twice before closing your oldest card.
A mix of secured credit (like loans) and unsecured credit (like cards) reflects well on your report.
Errors on your credit report can quietly hurt your score — a periodic check catches them early.
The following example is provided for illustration purposes to help you understand how loan amount, applicable charges, EMI and total repayment may be presented.
Representative example • 24 Months
| Loan Amount | APR | Tenure | Processing Fee + GST | Amount Disbursed | EMI | Total Repayment | Total Interest |
|---|---|---|---|---|---|---|---|
| ₹1,00,000 | 8.5% p.a. | 24 Months | ₹2,360 | ₹97,640 | ₹4,543 | ₹1,08,242 | ₹8,242 |
This example is based on the stated10.99% p.a. p.a. rate and 24-month tenure. Your actual interest rate, APR, processing fee, taxes, EMI, repayment amount and other charges may vary depending on eligibility, applicable lender terms and the final loan agreement.
Suryoday Capital is the name used on this platform. The applicable legal entity, regulatory status and lender relationship should be verified from the relevant official documentation before relying on any regulatory or registration-related information.
Understand the key costs associated with a personal loan, including interest, processing charges, repayment tenure and other applicable fees before proceeding.
Indicative loan amount range. The actual amount, if any, depends on applicable eligibility criteria, lender assessment and final terms.
Interest rates and loan terms may vary based on applicant profile, eligibility, lender assessment and applicable product terms.
Of the approved loan amount, plus applicable GST.
Per instance, plus applicable taxes.
Applicable on the overdue EMI amount, as per applicable terms.
No charge on early repayment after the applicable lock-in period.
Charges depend on applicable state laws and may be deducted upfront.
Funds, if approved, are credited to the customer's verified bank account.
This is a representative example based on a loan of ₹1,00,000 at 10.99% p.a. for 24 months. The figures are illustrative and may not represent an actual offer. Your actual EMI, interest, fees, taxes, disbursed amount and total repayment may vary according to applicable lender terms and your eligibility.
All charges and terms are subject to the applicable product and lender policy and may change in accordance with applicable regulatory requirements. Final interest rate, processing fee, taxes, repayment schedule, pre-closure conditions and other charges will be communicated in the applicable loan documents. Please review the Key Fact Statement (KFS), loan agreement and applicable terms carefully before proceeding.
Understand the estimated cost of borrowing before you proceed. Interest rates, fees and other charges may vary depending on eligibility, credit profile, lender assessment and applicable terms.
Review the key charges that can affect your overall repayment amount. Always check the final sanction letter, Key Facts Statement and loan agreement before accepting an offer.
The applicable annual interest rate may vary based on borrower profile, creditworthiness, income and lender terms.
A processing fee may be applicable for processing the loan application, subject to the applicable lender terms.
Applicable taxes and statutory charges may be payable on certain fees and services as per prevailing rules.
Additional charges may apply if an EMI or other payment is delayed, as specified in the applicable agreement.
Prepayment or foreclosure charges, if applicable, will depend on the product and applicable lender terms.
The effective cost of borrowing should be assessed using the applicable APR, fees, taxes and repayment obligations.
Example shown for understanding only. Actual terms may differ.
The rates, fees, charges and example figures shown on this page are illustrative and may change. They do not constitute a loan offer, approval or guarantee. Actual interest rate, APR, EMI, processing fee, taxes, late payment charges, prepayment/foreclosure charges and other applicable costs will depend on the lender, product, eligibility, credit profile and final loan agreement. Please review the applicable Key Facts Statement and loan documents before accepting any loan offer.
We focus on clear information, responsible communication and helping you understand your available options before you proceed.
From applicable interest rates and charges to eligibility and repayment terms, we aim to present important information clearly so you can make a decision based on your circumstances.
No promise of guaranteed approval. Final eligibility, rates and loan terms remain subject to applicable lender assessment and documentation.
Understand applicable rates, fees, repayment terms and other important loan information before proceeding.
A straightforward journey designed to help you understand what information and steps may be required.
Explore different loan purposes and available options based on your requirements and eligibility.
We do not represent loan approval as guaranteed. Final decisions depend on applicable lender assessment.
We follow appropriate privacy and security practices when handling information provided during the process.
Get assistance in understanding the process, documents and applicable loan information.
Step-by-Step Process
The goal is to provide a clear and concise overview of how your platform works and guide users through the loan application journey.
Tell us what you are looking for, such as the approximate loan amount, purpose and preferred repayment period. This helps you explore information relevant to your requirement.
Compare available loan options based on applicable interest rates, fees, tenure, eligibility requirements and other important terms. Always review the actual lender terms before applying.
Check your eligibility, review the applicable charges and repayment terms, and proceed to the relevant lender/application process if the option suits your requirements.
Keep the commonly requested documents ready to help make the loan application process clearer and easier to understand. Exact requirements may vary depending on the applicable lender, loan product and applicant profile.
A valid identity document may be required to verify the applicant's identity.
Proof of current residential address may be requested during the verification process.
PAN details may be required for identity, financial verification and applicable regulatory requirements.
Income-related documents may be required to assess repayment capacity and applicable eligibility criteria.
Bank account information may be required for verification and, where applicable, loan disbursement.
Depending on the loan product and applicant profile, additional documents may be requested.
Provide the information and documents requested for the applicable loan application.
The applicable lender may verify the information and documents provided.
Eligibility and applicable loan terms are determined according to the lender's criteria.
The documents listed above are commonly requested examples and should not be treated as a complete or universal list. Actual document requirements can vary by lender, loan type, applicant profile and applicable regulatory requirements. Additional verification or documents may be requested where applicable.
From checking eligibility to receiving a lender decision, understand each step before you proceed.
Understand the basic eligibility criteria and requirements relevant to your application.
Provide the required information and documents needed to proceed with the application.
Your information may be reviewed against applicable lender criteria and requirements.
The lender evaluates the application and communicates the applicable decision.
If approved, funds are disbursed according to the lender's applicable terms and process.
Applying does not guarantee approval or disbursement. Loan amount, interest rate, fees, tenure and other terms depend on eligibility, lender assessment and applicable terms.
We believe every concern deserves to be heard, understood and addressed with clarity.
Suryoday Capital is committed to providing clear, transparent and responsible information to customers and users exploring loan and financial product options through our platform.
We have established a dedicated Grievance Redressal Mechanism to receive, review and address customer concerns, complaints and service-related issues in a fair and transparent manner.
If you have a concern regarding our platform, communication, loan enquiry or any related service, you are encouraged to contact our support team with the relevant details so that the matter can be reviewed appropriately.
We aim to communicate information in a clear and responsible manner.
Customer concerns are reviewed through the appropriate support channel.
We encourage customers to raise concerns with complete and relevant information.
Suryoday Capital does not guarantee loan approval, loan amount, interest rate or disbursement. Where a loan application is associated with a third-party lender, final eligibility, pricing, fees, documentation, approval and disbursement are determined by the applicable lender according to its criteria and terms.
Frequently Asked Questions
Find answers to common questions about loan options, eligibility, documents, interest rates, repayment and the application process.
You can explore available loan options by reviewing information such as loan amount, interest rate, applicable fees, tenure and eligibility criteria. You should compare the applicable terms and review the lender's final documents before proceeding.
Commonly requested documents may include identity proof, address proof, PAN, income-related documents and bank account details. The exact documents can vary depending on the loan product, lender and applicant profile. Additional documents may also be requested during verification.
Eligibility may depend on factors such as income, employment or business profile, credit history, existing obligations, requested loan amount and repayment capacity. The applicable lender determines the final eligibility according to its assessment criteria.
No. Submitting an enquiry or loan application does not guarantee approval. The applicable lender independently evaluates the application and decides whether to approve or decline it based on its eligibility criteria, verification and applicable lending terms.
Interest rates are generally determined by the applicable lender based on its pricing policy, product terms, applicant profile and assessment. Any available rate or offer should be reviewed in the applicable loan documents before acceptance.
Suryoday Capital is the official digital loan platform providing customers with financial guidance, eligibility assistance and digital loan application services.
At Suryoday Capital, we strictly follow applicable RBI directives and have established an effective Grievance Redressal Cell to address customer grievances promptly and fairly. We are committed to responsible lending and ethical recovery practices and do not resort to any high-handed or inappropriate recovery methods. Customers can raise complaints or concerns regarding our services, loan applications or related matters, and we aim to resolve grievances within 5 working days.
Suryoday Capital is operated by Sri Pritam Finvest Co. Private Limited, a Non-Banking Financial Company (NBFC) recognized and registered with the Reserve Bank of India (RBI), with CIN: U65999WB1996PTC079256.
CIN:
U65999WB1996PTC079256
Established:
1996 • Kolkata, West Bengal
Registered Office:
21 Hemant Basu Sarani, Opp. Great Eastern Hotel,
Room No 424, 4th Floor, Kolkata, West Bengal 700001
Platform:
Digital Loan & Financial Services Platform
Official Website:
suryodaycapital.com
Important Disclosure: Suryoday Capital provides financial guidance, eligibility assistance and digital loan application facilities. Submission of a loan enquiry or application does not guarantee approval. Loan approval, applicable interest rates, fees, tenure and repayment terms are subject to eligibility, credit assessment and applicable lending policies.