Loans Directory — India
India's authoritative civic-tech reference for credit products. We document over 381 verified loan products across 5 primary lending sectors. Every product is checked against official bank charters, RBI Master Directions, and Central Government subsidy guidelines.
Education Loans
Complete coverage of 120 education loans including CSIS interest subsidy, Vidya Lakshmi Portal schemes, state student credit cards, and premier institute collateral-free loans up to ₹50 Lakh.
- ✓CSIS 100% Moratorium Subsidy
- ✓Collateral-free up to ₹7.5L (CGFSEL)
- ✓Study Abroad up to ₹1.5 Cr
Home Loans
60 verified housing loan products across PSU banks, private lenders, and Housing Finance Companies (HFCs). PMAY Credit Linked Subsidy variants (EWS/LIG/MIG), SBI Maxgain overdraft, and rural construction loans.
- ✓PMAY CLSS 6.5% Interest Subsidy
- ✓SBI Maxgain Home OD Facility
- ✓Plot + Construction Financing
Business & MSME Loans
96 verified business and enterprise credit products. Linked with PMEGP, PM MUDRA Yojana, PM SVANidhi, Stand-Up India, PM Vishwakarma, SIDBI direct financing, and CGTMSE collateral-free guarantee schemes up to ₹5 Cr.
- ✓CGTMSE Collateral-Free up to ₹5 Cr
- ✓PMEGP 35% Capital Subsidy
- ✓SIDBI Green Energy Financing
Personal Loans
80 transparent personal loan products for salaried employees, self-employed professionals, pensioners, and defense personnel. Plain-language disclosures of processing fees, foreclosure penalties, and insurance bundling.
- ✓Transparent APR Disclosures
- ✓Pensioner Concessional Rates
- ✓Zero Commercial Brokerage
Vehicle Loans
25 verified car, two-wheeler, and commercial vehicle loans from PSU banks, private banks, and NBFCs. Documenting exclusive electric vehicle (EV) interest concessions (up to 20 bps discount and zero processing fee).
- ✓Electric Vehicle (EV) Concessions
- ✓Up to 90-100% On-Road Funding
- ✓Extended 8-Year Repayment
Financial & Subsidy Calculators
Instant mathematical computation of your loan eligibility, government subsidies, and tax savings. 100% private, runs entirely in your browser without transmitting any personal data.
- ✓Universal Loan EMI Calculator
- ✓PMEGP Capital Subsidy Calculator
- ✓Section 80E Education Loan Tax Savings
🛡️Eligo Independent Editorial Charter for Lending Products
Commercial financial websites in India earn direct commissions (typically 0.5%–3.0%) by redirecting users through Direct Selling Agent (DSA) lead generation channels. In contrast, Eligo does not maintain commercial partnerships with banks or NBFCs. We never rank loans by commercial priority, we never collect phone numbers for sales call queues, and all application instructions route to the bank's official domain (.bank.sbi, hdfcbank.com, icicibank.com) or official government subsidy portals (vidyalakshmi.co.in, pmegp.gov.in, udyamimitra.in).