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.

Comprehensive Financial Services & Products

Retail Lending

Personal Loan

Instant unsecured loans up to ₹40 Lakhs for weddings, medical contingencies, home upgrades, or vacations.

Rates starting at 10.49% p.a.
24-hour disbursal to account
Nil collateral or guarantor

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Commercial Lending

Business Loan

Collateral-free business credit lines and equipment loans up to ₹75 Lakhs for MSMEs and enterprises.

GST-based fast underwriting
Dropline overdraft facility
Disbursal in 48 business hours

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Mortgage Solutions

Home Loan

Make homeownership a reality with loans up to ₹5 Crore and tenure up to 30 years with lower interest rates.

Interest rates from 8.40% p.a.
Simple legal & technical checks
Attractive balance transfer options

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Secured Capital

Loan Against Property

Monetize residential, commercial, or industrial properties with high loan-to-value sanctions up to ₹15 Crore.

Up to 70% of registered market value
Extended tenure up to 15 years
Lower rates than personal loans

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Auto Financing

Vehicle Loan

On-road financing for new cars, certified pre-owned vehicles, and commercial transport fleets.

Up to 100% on-road funding
Extended tenure up to 8 years
Fast-track showroom approvals

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Protection & Wealth

Insurance Solutions

Safeguard your family's future and health with high claim-ratio Term Life, Health, and Motor plans.

Cashless hospitalization at 10,000+ centers
Tax deductions under 80C & 80D
Dedicated 24/7 claims assistance

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Complete Suite of Financial Solutions

Personal Loan

Business Loan

Home Loan

Loan Against Property

Vehicle Loan

Insurance Solutions

Mithra AI • Financial Assistant