Bharat Funds was founded on a simple belief: a temporary setback shouldn't permanently shut you out of credit. We work with salaried employees, self-employed professionals and first-time borrowers to assess eligibility on a fuller picture — income stability, repayment intent and current obligations — not a single score.
Make fast, fair credit accessible to borrowers traditional lenders overlook.
Become India's most trusted name in inclusive personal lending.
Transparency, speed and respect for every applicant's circumstances.
Millions of working Indians are credit-worthy but score-excluded. We close that gap.
Started with a focused personal loan and salary advance offering for salaried professionals.
Introduced low CIBIL assessment models to widen access for underserved borrowers.
Added business loans and debt consolidation to serve self-employed and over-leveraged customers.
Serving customers nationwide with a fully digital, WhatsApp-first support experience.
Head of Credit
Customer Experience Lead
Compliance & Risk
Partnerships Lead