Personal Loans
Collateral-free personal credit up to ₹25 lakhs with instant digital approval. KYC-driven, bureau-integrated, and disbursed in 24 hours.
- ₹10K – ₹25L ticket sizes
- Paperless onboarding
- Competitive interest rates
Buxam powers fintech lending journeys — from credit decisioning and loan origination to embedded finance and API-first integrations. Built for fintechs, businesses, and borrowers who demand precision.
From instant personal loans to business credit lines and BNPL — Buxam's lending infrastructure serves individuals, MSMEs, and fintechs with equal precision.
Collateral-free personal credit up to ₹25 lakhs with instant digital approval. KYC-driven, bureau-integrated, and disbursed in 24 hours.
Working capital, term loans, and invoice discounting for small and medium enterprises. Powered by GST data, bank statement analysis, and alternate credit scoring.
Embedded BNPL products for e-commerce, healthcare, education, and travel verticals. Plug-and-play for platforms via our white-label SDK.
Partner with Buxam as a co-lending institution. Share origination, risk and returns under the RBI co-lending model with seamless operational integration.
Unlock working capital tied in unpaid invoices. B2B invoice discounting for corporates, SMEs, and supply chain financing across industries.
Pre-approved revolving credit lines for salaried professionals and business owners. Draw, repay, and redraw as needed with transparent interest only on usage.
Complete your application and video KYC entirely online. PAN, Aadhaar, bank statement — all verified digitally in minutes.
Our intelligent underwriting engine analyzes bureau data, cash flows, and alternate signals for a real-time credit assessment.
Once sanctioned, funds are disbursed directly to your bank account — typically within 24 hours of final approval.
Whether you're a fintech app, neobank, or enterprise platform — our modular API suite lets you embed lending capabilities without building from scratch.
End-to-end LOS — application intake, document collection, verification, decisioning and disbursement exposed as REST APIs.
Configurable rule engine with bureau integration (CIBIL, Experian, CRIF), alternate data models, and real-time scoring APIs.
Automated EMI collection via NACH, UPI autopay, and e-mandate. Full collections dashboard with delinquency tracking.
Portfolio dashboards, borrower analytics, NPA tracking, and regulatory MIS reports — all accessible via API or web interface.
Buxam is a Reserve Bank of India registered Non-Banking Financial Company (NBFC) dedicated to creating intelligent, accessible, and responsible credit infrastructure for India's digital economy.
We combine disciplined financial underwriting with cutting-edge technology to deliver credit products that serve individuals, MSMEs, and fintech platforms — with equal precision and transparency.
"We exist to build financial infrastructure that is intelligent by design, inclusive by intent, and trusted by default."
Buxam operates under the full regulatory oversight of the Reserve Bank of India. Our compliance framework ensures every loan is originated, underwritten, and serviced to the highest standards.
Fully registered and compliant with RBI's NBFC master directions, fair practices code, and digital lending guidelines.
End-to-end encryption, ISO 27001-aligned security policies, and strict data localisation — your financial data stays in India.
Transparent pricing, no hidden fees, clear sanction letters, and a dedicated grievance redressal mechanism for all borrowers.
Fully compliant with PMLA, FATF guidelines, and RBI KYC master directions with digital video KYC and Aadhaar-based eKYC.
Integrated with CIBIL, Experian, Equifax, and CRIF for comprehensive credit assessment and responsible bureau reporting.
Dedicated nodal officer, 24/7 complaint portal, and escalation matrix ensuring timely resolution in line with RBI directives.
"Buxam's API stack saved us 8 months of development time. We went live with our lending product in under 6 weeks."
"The MSME loan process was completely paperless. Application to disbursal in 36 hours — and the rates were competitive with banks."
"Their co-lending program and operational support is best-in-class. The reconciliation automation alone saves us 20 hours a week."
Whether you're looking to borrow, partner as a fintech, or explore co-lending — reach out to our team and we'll get back within 24 hours.