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.

Grievance Redressal Mechanism & Officer | Sha Money Mithra Finserv Private Limited

Customer Escalation Matrix

If you have a query, service issue, or complaint regarding your loan application process through Sha Money Mithra Finserv Private Limited, please follow the structured resolution steps outlined below:

Level 1: Customer Support Helpdesk

First line of inquiry for general assistance and application updates.

Toll-Free Helpline: +91 1800 209 8888
Email: support@shamoneymithra.com
Turnaround Time (TAT): 24 to 48 business hours

Level 2: Principal Grievance Redressal Officer

If your query is not satisfactorily resolved at Level 1 within 5 business days, escalate to our appointed Grievance Officer.

Officer Name: Mr. Vikramaditya Kulkarni
Designation: Head of Compliance & Customer Advocacy
Direct Email: grievance@bharatfinserv.com
Postal Address: Sha Money Mithra Finserv Private Limited, 8th Floor, Corporate Heights, BKC, Mumbai 400051
Turnaround Time (TAT): 5 to 7 business days

Level 3: Regulatory Ombudsman

For disputes involving sanctioned loans or bank underwriting, you may approach the Banking Ombudsman appointed by the Reserve Bank of India (RBI) via the official portal at https://cms.rbi.org.in.

Grievance Redressal Matrix

Customer Escalation Matrix

Level 1: Customer Support Helpdesk

Level 2: Principal Grievance Redressal Officer

Level 3: Regulatory Ombudsman

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