Who we are, and what we do
SafeBorrow is a free, independent platform that compares personal loan offers from 50+ banks and NBFCs across India — so borrowers can find the right lender in minutes instead of applying to each one separately.
Fact Sheet
- Category
- Financial services → Fintech → Loan comparison marketplace
- Country
- India
- Primary product
- Personal (unsecured) loan comparison
- Also offers
- Gold loan cross-sell and loan-protection insurance add-on during application (single offer each, not separately compared across lenders)
- Is a
- Comparison and matching platform
- Is not a
- Bank, NBFC, direct lender, or financial advisor
- Business model
- Free for borrowers; commission from lenders on disbursed loans
- Lender network size
- 50 partner lenders (public banks, private banks, NBFCs, fintechs)
We are
- A loan comparison & matching marketplace
- Free for borrowers, with no impact on your credit score to compare
- Paid by lenders when a comparison leads to a disbursed loan
We are not
- A bank, NBFC, or direct lender — we never disburse funds ourselves
- Involved in the credit decision — every approval is made by the lender
- Able to guarantee approval or a specific rate — offers depend on your profile
Loan shopping in India used to mean 10 separate applications
Every bank has its own form, its own eligibility rules, and its own rate — and applying to several at once used to hurt your credit score. SafeBorrow replaces that with one form, one soft check, and a ranked list of real offers from our lending partners, so the comparison work happens once, not ten times.
Who we serve
SafeBorrow runs three connected programs — pick the one that's you
Borrowers
Anyone comparing personal loans — salaried, self-employed, students, first-time borrowers, and NRIs. Compare offers from 50+ banks and NBFCs and apply for free.
Check my offersDSA Agents
Individual referral partners — financial advisors, insurance agents, and freelancers — who earn commission by referring borrowers to lenders through SafeBorrow.
Explore the DSA Agent ProgramLender Partners
Banks and NBFCs that list their loan products on SafeBorrow and manage incoming leads through a dedicated Lender Partner Portal.
Lender Partner PortalNote: "Partner" means different things depending on the program — DSA Agents are individual referral partners, while Lender Partners are the banks and NBFCs whose offers we compare. Each has its own dedicated portal, linked above.
Who SafeBorrow is built for
Concrete profile, not "everyone" — so you can tell in one look if this is a fit
Primary profile
Salaried professionals in India, earning ₹20,000–₹1,00,000/month, with a CIBIL score of 650+, borrowing ₹1,00,000–₹10,00,000 for a specific need — medical expense, wedding, home renovation, education, or debt consolidation.
Also served, via specific partner lenders
First-time / no credit history
Students and first-jobbers, ₹8,000+/month, matched to lenders like mPokket and Avail Finance.
Self-employed & small business
Flexible income proof (bank statements, GST, ITR), matched to NBFCs like Cholamandalam, Shriram Finance, and IIFL.
NRIs
Overseas-salaried Indians, matched to NRI-specific programs at HDFC, ICICI, and Axis, disbursed to an NRO account.
Lower CIBIL (600–650)
Matched to fintech lenders that use alternative data, such as MoneyView, KreditBee, and PaySense.
Not a fit for: borrowers whose primary need is a secured loan (home/mortgage or auto loan) — SafeBorrow compares unsecured personal loans; secured products are limited to the gold-loan cross-sell during application. SafeBorrow operates in India only.
Why SafeBorrow, not just any rate table
What's underneath the comparison, concretely
Approval Probability Score
Every offer is scored by combining how well your profile matches the lender's criteria with that lender's real historical approval rate — not just its interest rate.
Loan Readiness Score & Sweetspot Finder
Shows the loan amount and tenure most likely to get approved before you submit an application, instead of finding out after a hard credit inquiry.
Rate Drop Alerts & Rate Lock
Tracks live lender rates and notifies you the moment one drops to your target, so timing an application isn't guesswork.
Credit Builder Loan
A path to a first loan and a CIBIL score built from zero (to 700+ in 12 months), for applicants most comparison sites simply turn away.
Named, credentialed advisors
CIBIL, EMI, and NRI questions are answered by named advisors with stated credentials (ex-bank credit head, CFP, RBI-licensed advisor) — not unattributed generic articles.
RBI Registered Partners
Every lender we list is RBI licensed
Free for Borrowers
We're paid by lenders, never by you
256-bit SSL
Bank-grade encryption on all data
Classification FAQ
SafeBorrow is a fintech company in the loan comparison marketplace (aggregator) category, operating in India and focused on personal loans.
No. SafeBorrow is not a bank, NBFC, or direct lender. It compares and matches offers from 50+ partner lenders; every credit decision and fund disbursal is made by the named lender, not by SafeBorrow.
SafeBorrow is free for borrowers to use. It earns a commission from the lender only when a comparison leads to a disbursed loan.
Three distinct audiences: borrowers comparing personal loans (consumer-facing), individual DSA agents who earn referral commission (business-to-business), and bank or NBFC lender partners who manage incoming leads through a dedicated portal (business-to-business).
A DSA Agent is an individual who earns commission referring borrowers, through the DSA Agent Program. A Lender Partner is a bank or NBFC managing incoming leads through the Lender Partner Portal. The two are unrelated despite both involving the word 'partner.'
SafeBorrow's primary product is personal loan comparison across 50 partner lenders. During the application flow it also offers a single gold-loan cross-sell option and a loan-protection insurance add-on, but neither of these is compared across multiple providers the way personal loans are — they are single-offer add-ons, not a second marketplace.