Personal lending since 1992RBI-registered NBFC
Small loans, plainly priced, paid straight to your bank.
Golu Leasing & Finance lends ₹5,000 – ₹40,000 to salaried individuals through our digital partner Tap4Loan — with every rupee of cost written into a Key Fact Statement before you accept.
Lender of record: Golu Leasing & Finance Co. Private Limited · CoR B-14.01773
Product
Short-term personal loan
- Loan amount
- ₹5,000 – ₹40,000
- Interest
- 0.4% – 1.1% per day
- Prepayment
- Nil
- Disbursal
- Directly to your own bank account
No compounding. No hidden charges. Your exact terms are in the Key Fact Statement.
View full detailsThe product
Personal loan, when you need it most.
Quick access to a modest sum for an expense that cannot wait for salary day — applied for online on our partner's platform, and repaid in one go on your due date.
Simple daily interest
Charged on the principal only. No compounding, ever.
Nil prepayment charges
Close early and pay interest for the days you actually used.
Direct to and from your bank
Disbursed to your account and repaid to the lender — never via an agent.
Key Fact Statement first
Rate, fee, APR and due date in writing before you accept.
Product
Short-term personal loan
- Loan amount
- ₹5,000 – ₹40,000
- Interest
- 0.4% – 1.1% per day
- Tenure
- Short tenure — a single repayment on your due date
- Processing fee
- Up to 10% of the loan amount + GST
- Prepayment
- Nil
- Cooling-off
- 1 day
- Disbursal
- Directly to your own bank account
No compounding. No hidden charges. Your exact terms are in the Key Fact Statement.
Ranges approved under our Interest Rate Policy. The amount and rate offered to you depend on credit assessment. Disbursal timing is subject to verification and banking hours.
How it works
Three steps from application to funds.
Everything happens on Tap4Loan. We assess, sanction and disburse; you never visit a branch.
- Step 01
Apply online
Start on Tap4Loan with your mobile number and a few details about your work and income.
- Entirely online at www.tap4loan.com
- KYC through DigiLocker; bank statement shared securely
- No agents, no branch visit
- Step 02
Automated assessment
We read your credit bureau report and banking record together and return a decision on amount and rate.
- Income and banking behaviour, not just a score
- Decision typically in minutes
- No manual back-and-forth
- Step 03
Accept, e-sign, receive
Review the Key Fact Statement, e-sign the agreement and the amount is transferred to your verified bank account.
- KFS shows rate, fee, APR and due date
- Disbursed directly to your own account
- For loans of ₹5,000 – ₹40,000
Why borrowers choose us
The terms are simple, and they stay that way.
No surprise charges, no renegotiation after disbursal, no pressure tactics. What is written in your Key Fact Statement is what you pay.
Fast, fully digital
Apply from your phone, get a decision from an automated assessment and receive funds in your own bank account — no branch, no agent at your door.
Repayment made simple
One repayment on your due date, straight to the lender. Prepay any time at no charge and pay interest only for the days you used.
100% paperless
Aadhaar through DigiLocker, PAN and a bank statement shared securely. Nothing to print, sign by hand or courier.
Safe, regulated, transparent
An RBI-registered lender, a written Key Fact Statement before you accept, and no charge that is not in it.
A lender you can rely on
Regulated, registered, reachable.
The facts behind the name — and the people to contact if something goes wrong.
RBI-registered NBFC
CoR B-14.01773
Regulated by the Reserve Bank of India and bound by its Fair Practices Code and Digital Lending Directions.
Since 1992
Three decades in New Delhi
Incorporated in 1992 (CIN U74899DL1992PTC048349) and lending from the capital ever since.
One disclosed partner
Tap4Loan
Our only Lending Service Provider. If an offer in our name is not on www.tap4loan.com, it is not from us.
Written terms
30-day grievance redressal
Every cost in a Key Fact Statement, a named Grievance Redressal Officer, and the RBI Ombudsman beyond us.
Verify our registration on the Reserve Bank's list of NBFCs at rbi.org.in, or see our registration details.
FAQ
Frequently asked questions
Short answers to what borrowers ask most. The full list covers eligibility, pricing, fees and grievances.
Who can apply for a loan?
Salaried Indian residents aged 21 to 60 whose salary is credited to a bank account in their own name, with a valid PAN and an Aadhaar linked to their mobile number. The final decision depends on our credit assessment.
How much can I borrow?
Between ₹5,000 – ₹40,000. The amount offered depends on your income, obligations and repayment record. Repeat borrowers with a clean record are typically offered more.
How is interest calculated?
Interest is simple daily interest on the principal at 0.4% – 1.1% per day, with no compounding. The exact rate for your loan, and the equivalent annual percentage rate (APR), are stated in your Key Fact Statement before you accept.
What happens if I pay late?
A penal charge of ₹500 per month on default (excluding GST) applies, and the delay is reported to credit bureaus, which can affect your credit score. Penal charges are a flat charge, not extra interest, and are never capitalised. If you expect difficulty, call us before the due date.
Is Golufin registered with the RBI?
Yes. Golu Leasing & Finance Co. Private Limited is a Non-Banking Financial Company holding RBI Certificate of Registration No. B-14.01773, incorporated in 1992 (CIN U74899DL1992PTC048349). We are the lender of record on every loan.
How do I raise a complaint?
Write to support@golufin.com or call +91 93114 80936. If you are not satisfied, escalate to our Grievance Redressal Officer, Vikram Gupta, at compliance@golufin.com. If the matter is unresolved after 30 days you may approach the RBI Ombudsman at cms.rbi.org.in.
Apply on Tap4Loan
Let’s get you the right loan.
₹5,000 – ₹40,000, decided on your income and banking record, with every cost written down before you accept.
Lender: Golu Leasing & Finance Co. Private Limited · RBI CoR B-14.01773