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Doorstep Loans without income proof or CIBIL score

Doorstep Loans without income proof or CIBIL score

The Most Affordable Personal Loan

Unlock Liquidity Using Your Life Insurance Policy

Easy loans against your LIC/Life Insurance Policy, Post Office Savings, and other assets with India's most affordable loan provider

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One of our satisfied customers who has been helped through our financial planning platform
One of our satisfied customers who has been helped through our financial planning platform
One of our satisfied customers who has been helped through our financial planning platform
Join our early pool of 500+ customers
A cartoon depicting a man who was able to purchase a new bike through our Loans against LIC and a woman who is happy whilst using our loan resource app

Check your surrender value today

Discover the loan amount you may be eligible for with Mera Kal's surrender value calculator!

Estimate Surrender Value

Our trusted partners

Link leading to Bajaj Finserv, our lending partner for our Loans Against LICA link to ICICI Prudential, our partner in providing mutual fundsA link to Nippon India Mutual Fund, our partner in providing mutual fund solutionsA link to RBiH Swanari Techsprint, where we have placed second for our Loans against LIC provisionA link to the Association of Mutual Funds India, where all our partners are registered for mutual fundsLink leads to CIIE, who's Swanari finance startup contest we placed second in

Independent Financial Advisors x Mera Kal

If you are an independent financial advisor and are looking to find out more about our product, then feel free to enter your email below and talk to us or follow the link to learn more!

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Win yourself an Amazon Voucher worth Rs 250!

It's really quick - just answer a few questions below, and take a short phone call with one of our team members, and the voucher will be shared with you on WhatsApp right after!

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Have you encountered any of these problems?

Tired of having to pledge gold to take out a loan?
A lady who has used our loan resource app as an alternative to her gold loan
Not able to take a loan without income proof or CIBIL score?
A man who was unable to take an instant loan without cibil
Need an urgent loan but not a fan of high rates and EMIs?
A man who is unable to find an urgent loan alternative to his expensive loan

Make your LIC Policy work for you

01

Tired of having to pledge gold to take out a loan?

02

Looking for an alternative to expensive loans and EMIs?

03

Looking to take a loan but don’t have a credit score or income proof to do so?

04

If you answered yes to any of these questions, Mera Kal’s Loans Against LIC can help you!

Have you encountered any of these problems?

Not able to take a loan due to poor credit score and no income proof?
Not able to find an alternative to expensive loans and EMIs?
Tired of having to pledge gold to take out a loan?

Have you encountered any of these problems?

Not able to take a loan due to poor credit score and no income proof?

Not able to find an alternative to expensive loans and EMIs?

Tired of having to pledge gold to take out a loan?
‍

If so, Loans Against LIC Policies may be for you!

A lady who has taken an LIC loan with Mera Kal

Loans against LIC allows you to pledge your policy to the chosen lender for the term of the loan. The lender offers you a loan, up to the value locked in your policy, similar to a gold loan but with different collateral

No guarantors, income proof or credit score required

No EMIs! Just two interest payments in a year. Settle principle flexibly

No need to part with your precious family jewels or gold!

Mera Kal makes it easy to get a loan

1

Check eligibility

It takes a few minutes to check eligibility. Endowment, unit-linked policies are eligible.

2

Set loan value, accept terms

Unlock up to 90% of the surrender value; set your loan value and accept terms.

3

Receive the funds

Once your KYC is complete, the funds are transferred to your bank account!

100% Safe and Regulated

LIC Logo highlighting that our loans against LIC policy can help you retain your LIC policy benefits

Retain LIC Policy Benefits

Continue to enjoy the insurance and investment benefits of your LIC policy, as long as you pay your premium on time.

The RBI logo highlights that we are a RBI registered and approved app

RBI Regulated

Our lending partners are Reserve Bank Of India regulated NBFCs and banks. You are  in safe hands.

Image highlights the easy transfer of funds that our loan service provides. No third party involved

Direct Money

The funds go directly to your bank account, and your repayment goes directly to the lender. No middlemen.

Mera Kal Saathi logo, our agents who are here to help with any of your financial planning needs

Connect with a Mera Kal Saathi

Saathis are a friendly team of executives who can help clarify all doubts, and get you started in the language of your choice. Request a call back or chat with us now!

Contact us on Whatsapp

Want to know more?

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What can we do for your business

Mera Kal offers a tailored financial education programme to equip workers with the knowledge and access to navigate the world of credit and investments, and achieve their life goals.

Learn More
A businessman who's business has been helped by our loan resource app

Hear from Mera Kal Customers

Mera Kal have made it easy for me to better provide for my family and to build a new home
Ashok
Cook - Mera Kal User
Appish have been excellent development partners for quickSessions. Appish rapid development approach works in concert with our highly iterative process.
Jessica Jobs
Product Designer at Uber.INC
After spending a lot of time researching online, I settled with Appish due to the reviews and the fact that their site claimed that conversion of excel spreadsheets to apps was a specialty. The team offered an innovative approach to mitigate communication barriers.
Martin Luther
Product Designer at Uber.INC
Appish continually went above and beyond the requirements of the project, developing a remarkably robust and functional platform. By handling any issues promptly, the team proved their excellent project management and communication skills.
Martin Luther
Product Designer at Uber.INC
Jenna Freud
Product Designer at Uber.INC
Mera Kal has helped me plan for the future betterment of my parents and my children.
Martin Luther
Product Designer at Uber.INC
Martin Luther
Product Designer at Uber.INC
Aan Singh
Chef - Mera Kal User
Martin Luther
Product Designer at Uber.INC
Martin Luther
Product Designer at Uber.INC

What our customers say about us

Mera Kal has been my financial adviser for the past year, helping me with emergency loans, affordable credit and to invest well. I can now dream big for my daughters' education and secure a successful future for them.
Josephine
Cook
One of the customers who has been helped by our loan resource app
I had never really thought about planning for the future until I had attended a Mera Kal financial session. They have guided me through how I can financially prepare for my children's future especially their high studies.
Aan Singh
Cook
One of the customers who has been helped by our loan resource app
Since my father passed away, my family needed me to provide for them. A call with a Mera Kal Saathi helped me realize the importance of planning my finances for the benefit of my family and they have very much helped me to do so.
Manoranjan
House Staff
One of the customers who has been helped by our loan resource app
Balancing a household on a tight budget is tough especially with medical emergencies, but Mera Kal has been a helpful partner through their advice and educational support. With Mera Kal, I am optimistic about fulfilling our dream of owning a home.
Dilu
Driver
One of the customers who has been helped by our loan resource app
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Big Dreamz Finclusion Private Limited is an AMFI registered distributor, with ARN-261254 valid until 5 January, 2026.Mera Kal is the registered trademark of Big Dreamz Finclusion Private Limited..