BharatPe

BharatPe Personal Loan

Loans of up to ₹15 lakh in the BharatPe UPI app, arranged by BharatPe's lending arm from several NBFCs and banks, with a published APR range of 18% to 70% and no published foreclosure terms.

Not published
Up to ₹15 lakh

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Rates and charges

Interest rate: Not published
Annual percentage rate (APR): Up to 70%
Processing fee: 2.5% of the loan amount + GST in BharatPe's example loan; no fee range is published
Foreclosure: Not published
Part-prepayment: Not published

Loan terms and eligibility

Loan amount: Up to ₹15 lakh
Tenure: Up to 7 years
Who can apply: Not published
Minimum income: Not published
Age: Not published
Disbursal (lender's claim): Says loans are instant; no time stated
Who lends: Resilient Finance Private Limited, Poonawalla Fincorp Limited, Innofin Solutions Private Limited, InCred Financial Services Limited, Respo Financial Capital Private Limited, Unity Small Finance Bank Limited, True Credits Private Limited
RBI digital lending apps directory: Listed (as reported by the lender)

Apply with BharatPe

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CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion. The lender decides your rate, amount and approval.

Work out your EMI with BharatPe's rates

Prefilled with BharatPe's published terms. Change any number to match your offer.

Your loan

Monthly EMI: ₹8,885
Total interest: ₹6,619
Processing fee + 18% GST: ₹2,360
Total cost of the loan: ₹8,979
Effective annual cost: 16.56%
Money in hand: ₹97,640
You pay back in 1 yr: ₹1,08,979

Total cost = interest + processing fee + GST. Effective annual cost is the yearly rate you really pay on the money in hand, the way lenders work out the APR in a Key Fact Statement.

Same loan, different tenures

EMI and total cost of a ₹1,00,000 loan at 12% for 12 to 60 months
Tenure	EMI	Total interest	Total cost (incl. fee + GST)	Effective annual cost
12 months (yours)	₹8,885	₹6,619	₹8,979	16.56%
24 months	₹4,707	₹12,976	₹15,336	14.42%
36 months	₹3,321	₹19,572	₹21,932	13.67%
48 months	₹2,633	₹26,402	₹28,762	13.29%
60 months	₹2,224	₹33,467	₹35,827	13.06%

A longer tenure lowers the EMI but raises the total interest. A fixed fee costs more per year on a short loan.

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Questions people ask

What interest rate does BharatPe Personal Loan charge?

BharatPe doesn't publish an interest rate on its website. Ask for the Key Fact Statement, which must show the rate and the annual percentage rate (APR) before you sign.

What is BharatPe's processing fee?

2.5% of the loan amount + GST in BharatPe's example loan; no fee range is published. GST at 18% is added to the fee.

Who actually gives the loan?

BharatPe is a lending app. The loan is given by Resilient Finance Private Limited, Poonawalla Fincorp Limited, Innofin Solutions Private Limited and 4 others, which are regulated by the RBI. Your Key Fact Statement names the exact lender.

Is BharatPe registered with RBI?

The BharatPe UPI app is listed in RBI's directory of digital lending apps, as reported by YES Bank Ltd.. The directory shows what lenders report; RBI doesn't vouch for the app. The app itself isn't a lender; the bank or NBFC behind it is regulated by RBI.

Last verified 18 Oct 2026 on BharatPe's official page. Rates and fees change; check the lender's terms before you apply.