How long does loan approval take?▾
Our AI-powered system provides an initial eligibility check in under 4 minutes. Final approval from our lender partners typically takes between 2–24 hours depending on document verification.
Does checking my eligibility affect my credit score?▾
No. Our initial eligibility check is a soft inquiry and does not impact your CIBIL score in any way. A hard inquiry only happens when you proceed with a formal loan application.
What is the minimum CIBIL score required?▾
Most of our lender partners require a minimum CIBIL score of 700. However, some partners offer products for scores between 650–700. We recommend checking your score for free on our platform first.
Are there any charges for using FundsGati?▾
FundsGati is completely free for borrowers. We earn a referral fee from lender partners — you pay nothing extra, and the loan rates you see are the same as going directly to the lender.
How is my data protected?▾
We use 256-bit SSL encryption and follow RBI data security guidelines. Your data is never sold to third parties and is shared only with lenders you choose to apply through.