ARIA analyses your profile against 50+ banks in real time — not just yes/no, but which bank, at what rate, with which documents. Like a personal banker. Free.
ARIA compares rates across 50+ lenders in real time
Loan Products
D2C + B2B Solutions
How ARIA Works
Tell ARIA what loan you need. She asks smart follow-up questions about your income and city — a conversation, not a form.
⏱ 60 secondsARIA benchmarks you against 50+ lenders' real underwriting policies — not generic rules. The actual criteria banks use today.
⏱ 30 secondsARIA gives you: ranked lenders, your exact rate, documents needed, and a CIBIL roadmap if required. Everything on one screen.
⏱ ImmediateOur human advisor calls within 30 minutes, ARIA's full analysis in hand — ready to process your application with the right lender.
⏱ Within 30 minLive Rate Comparison
ARIA checks these rates daily. She'll tell you which one applies to your profile — not just the lowest rate, but the one you'll actually get.
| Bank / NBFC | Starting Rate | Max Amount | Min CIBIL | Processing Fee | Type | Best For |
|---|
*Rates are indicative starting rates for best-profile applicants. Actual rate depends on your CIBIL score, income, employer, and lender's current policy. Ask ARIA for your exact rate →
ARIA's Score Roadmap
Instead of just rejecting you, ARIA tells you exactly what you need — and gives you a step-by-step plan specific to your financial profile.
Real Borrowers
"ARIA told me exactly why my previous applications were rejected and which bank would say yes. Walked into ICICI with the 7 documents she listed. Approved in 3 days."
"CIBIL was 658. ARIA gave me a 60-day plan. Score went to 712. Matched me to HDFC — approved ₹4L. The plan actually worked and I didn't pay anything."
"Maine Hindi mein pucha — 'mera business 2 saal purana hai, kitna loan milega?' ARIA ne Hindi mein hi exact number, bank, aur documents bataye. Incredible."
Hyper-Local Expertise
City-specific loan guides — not generic advice. ARIA knows which lenders are strongest in each Delhi NCR area.
Govt employee stronghold. SBI & PNB run special camps. Salaried govt workers get 10.49% with minimal docs.
MNC employees at Golf Course Road get India's sharpest home loan rates. HDFC & ICICI compete aggressively here.
5,000+ MSMEs in Okhla. Tata Capital & Bajaj have dedicated Delhi South DSA teams — faster than branch.
North India's IT hub. HDFC & ICICI have special corporate salary tie-ups — lowest rates for tech employees.
Manufacturing employees with stable income but lower CIBIL can access Fullerton & HDB's Faridabad products.
Rohini's court ecosystem. Legal professionals are strong borrowers — ARIA knows exactly which docs to gather.
ARIA's Weekly Finance Briefing
ARIA tracked 18 lenders after the May 2026 MPC decision. 3 banks moved their rates anyway. Here's who and what to do.
650 to 720+ is achievable. The exact steps based on 1,000+ borrower profiles.
ARIA tracked 18 lenders. Who moved, who didn't, and what to do about it.
ARIA's Tools
Trust & Compliance
FAQ
ARIA (AI Responsive Intelligence Advisor) is India's first AI finance concierge. Unlike a form that gives yes/no, ARIA analyses your complete profile and gives you a plan: which lender, at what rate, with exactly which documents. She builds a CIBIL roadmap if needed and alerts you when rates change.
No. ARIA uses a soft inquiry that does not appear on your CIBIL report and has zero score impact. Only when you formally apply to a lender does their system run a hard enquiry. ARIA minimises unnecessary hard enquiries by matching you to lenders most likely to approve.
Yes. Chat in Hindi, Hinglish, or English — ARIA responds in whatever language you use. Just ask naturally and she'll explain everything clearly without financial jargon.
Holiday in EMI is FLOCRED's exclusive product — a built-in moratorium where you get your loan disbursed and pay ₹0 EMI for 3–6 months. Available on personal, home, and business loans through our partner lenders. Learn more →
No. FLOCRED Private Limited (CIN: U67100DL2022PTC400764) is a Lending Service Provider (LSP) under RBI's Digital Lending Guidelines (September 2022). We connect you with regulated banks and NBFCs. All credit decisions are made by those institutions — we never lend directly.
FLOCRED receives a referral fee from the lender when a loan is disbursed through our platform. This does not create additional cost for the borrower — the rate you get is the same whether you go direct to the bank or via FLOCRED.
Chat with ARIA in 2 minutes. Get a personalised plan — not just a form result. Free, always.