What is the minimum CIBIL score required for a loan sanction with Sha Money Mithra Finserv?

While a CIBIL score of 700+ qualifies you for premier tier interest rates (starting 10.49% p.a.), Sha Money Mithra Finserv partners with over 35+ RBI-licensed banks and NBFCs, allowing us to approve customized financing even with moderate scores (650+) through structured guarantor or banking history assessments.

How fast can I receive in-principle approval and fund disbursement?

Through our end-to-end digital API integration with partner banks, in-principle sanction is generated in as little as 2 minutes. Once documents are verified, loan disbursement into your bank account typically occurs within 24 to 48 business hours.

Which physical regional branches does Sha Money Mithra Finserv operate in?

Sha Money Mithra Finserv operates Corporate Headquarters in Shenoy Nagar Chennai, alongside regional advisory hubs in Anna Nagar (Chennai), Coimbatore (Commercial Finance Center), Madurai (Retail Lending Hub), and Bengaluru (Tech Corridor Finance Center).

Does checking my loan eligibility affect my credit bureau score?

No. Checking your pre-approved eligibility and loan comparisons on the Sha Money Mithra platform is classified as a soft credit inquiry and has zero negative impact on your CIBIL credit score.

Welcome to Sha Money Mithra Finserv

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Calculate exact monthly installments, total interest charges, and tenure flexibility in real time with our instant payoff simulator.

Advanced Multi-Loan Calculator

Quick Presets:

Loan Amount

₹

₹50 Thousand ₹10 Lakhs ₹50 Lakhs ₹1 Crore

Rate of Interest (% p.a.)

7.0% 12.0% 18.0% 24.0%

Loan Tenure (Years)

Yrs

1 Year 5 Years 15 Years 30 Years

Estimated Monthly EMI

₹ 10,747

Principal Amount ₹ 5,00,000

Total Interest Charges ₹ 1,44,817

Total Amount Payable ₹ 6,44,817

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• Interest

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Live Interest Rate Intelligence

Compare Lending Partner Interest Rates (2026)

Sha Money Mithra is an authorized corporate channel partner with India's top 35+ RBI-regulated Banks and NBFCs. Compare real-time base rates, processing fee slabs, and tenure options below.

Rates Updated Daily • RBI Repo Linked

Lending Partner	Selected Base Rate	Max Tenure	Processing Fees	Disbursal Speed	Special Advantage	Action
State Bank of India Public Sector Bank 4.9	8.50% p.a. onwards	30 Years	0.35% + GST (Capped)	48 - 72 Hours	Lowest Govt Rates Zero prepayment penalty, max loan amount, high tenure	Apply via Mithra
HDFC Bank Private Bank 4.9	8.60% p.a. onwards	25 Years	Up to 1.0%	24 - 48 Hours	Fastest Digital Approval Instant in-principle sanction, minimal documentation	Apply via Mithra
ICICI Bank Private Bank 4.8	8.65% p.a. onwards	30 Years	0.50% - 1.25%	24 Hours	Pre-Approved Offers Flexible top-up facility, 100% digital KYC process	Apply via Mithra
Axis Bank Private Bank 4.7	8.70% p.a. onwards	30 Years	Up to 1.0%	36 Hours	Best Balance Transfer Waived EMI on consistent repayment, lower margin	Apply via Mithra
Bank of Baroda Public Sector Bank 4.8	8.40% p.a. onwards	30 Years	Nil to 0.50%	3 - 4 Days	Affordable Housing Pick Linked to Baroda repo rate, zero hidden processing charges	Apply via Mithra
Kotak Mahindra Bank Private Bank 4.7	8.55% p.a. onwards	25 Years	0.50% - 1.0%	24 - 48 Hours	Competitive Home Rates Special discounts for women borrowers, quick sanction	Apply via Mithra
Tata Capital Premier NBFC 4.8	8.95% p.a. onwards	20 Years	1.0% - 1.75%	Same Day / 24h	Flexible Eligibility High approval rate for self-employed & SME entrepreneurs	Apply via Mithra
Bajaj Finserv Premier NBFC 4.7	8.85% p.a. onwards	20 Years	1.25% - 2.0%	Same Day (Digital)	Flexi Hybrid Term Flexi loan limit with interest payable only on utilized funds	Apply via Mithra

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