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Fast.
Spam Free.
Transparent.
Cost Effective.

Getting a home loan in India is none of the above.
At Credit Dharma we are changing that and making your home buying journey stress free. Top Experts, Best Banking Partners and Super Easy Process.

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Our Vision : Make Home Loans Hassle Free & Simple

At Credit Dharma, we envision a Bharat where every dream of owning a home is not hindered by the complexities and the cost of home loans. Increasing Interest Rates, Difficult Process, Hidden Charges, lack of quality support and advice make it more expensive and painful over time that ultimately hurts homeowners.

We believe in a world where the journey from dreaming about your perfect home to stepping into it is seamless, transparent, and, most importantly, cost effective.

Empowering Home Loan Savings

Credit Dharma is redefining home loan management by reducing your EMI burden. We combat high interest rates and hidden costs, making homeownership more affordable. Our Home Loan Balance Transfer service simplifies the process and ensures transparency, significantly reducing your loan expenses. With us, economical homeownership isn’t just a goal—it’s a reality.

500Cr+

Home Loan Handled

10Cr+

Money Saved

4.7

Avg Customer Rating

Meet the team of home loan experts

  • Rishu Garg

    Rishu Garg

    Co-Founder / CEO

    Ex - Groww founding team, first product manager. Armed with his extensive knowledge of the Indian financial space and a deep understanding of the most pressing user problems, Rishu is on a mission to democratize home loans for India.

  • Akul Aggarwal

    Akul Aggarwal

    Co-Founder / COO

    Ex - Groww founding team, growth head. Akul brings an exciting blend of mortgage expertise and a deep understanding of customer problems in the finance industry. You will find Akul building delightful user experiences at Credit Dharma.

  • Sanjay Bharti

    Sanjay Bharti

    Co-Founder / CBO

    Ex-Senior Director - ACKO. Sanjay is a serial entrepreneur with a long string of successful companies. His understanding of the Indian lending landscape is second to none. At Credit Dharma, you can find him obsessing over the most pressing customer problems and their solutions.

  • Souvik Banerjee

    Souvik Banerjee

    VP Sales

    Ex-Regional Head at HDFC India. With over 15 years of experience in the home loans industry, he leads the sales team at Credit Dharma. Here, you will often find him helping folks find the best home loan offer that’s perfect for their wants and needs.

WHAT PEOPLE THINK ABOUT US

Don't just take our word for it

My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service

John doe

Tushar Agarwal

I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .

John doe

Sayani

I made the mistake of applying for a home loan with my broker and I got stuck in the process.

Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.

John doe

Raju

After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.

John doe

pratiksha goyal

Tushar Agarwal

Tushar Agarwal

@tusharag24

twt/x

My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service

Sayani

Sayani

@seini_69

twt/x

I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .

Raju

Raju

@bhowmick_r

twt/x

I made the mistake of applying for a home loan with my broker and I got stuck in the process.

Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.

pratiksha goyal

pratiksha goyal

@goyal_pratiksha

twt/x

After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.

Tushar Agarwal

Tushar Agarwal

@tusharag24

twt/x

My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service

Sayani

Sayani

@seini_69

twt/x

I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .

Raju

Raju

@bhowmick_r

twt/x

I made the mistake of applying for a home loan with my broker and I got stuck in the process.

Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.

pratiksha goyal

pratiksha goyal

@goyal_pratiksha

twt/x

After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.

Tushar Agarwal

Tushar Agarwal

@tusharag24

twt/x

My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service

Sayani

Sayani

@seini_69

twt/x

I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .

Raju

Raju

@bhowmick_r

twt/x

I made the mistake of applying for a home loan with my broker and I got stuck in the process.

Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.

pratiksha goyal

pratiksha goyal

@goyal_pratiksha

twt/x

After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.

Tushar Agarwal

Tushar Agarwal

@tusharag24

twt/x

My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service

Sayani

Sayani

@seini_69

twt/x

I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .

Raju

Raju

@bhowmick_r

twt/x

I made the mistake of applying for a home loan with my broker and I got stuck in the process.

Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.

pratiksha goyal

pratiksha goyal

@goyal_pratiksha

twt/x

After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.

Samarth Kishnani

Samarth Kishnani

@samkishnani

twt/x

Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.

They've already saved me more money than any other company lol ❤️

Anish Chattaraj

Anish Chattaraj

@nishchatterjee

twt/x

Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!

Vineeth K

Vineeth K

@DealsDhamaka

twt/x

HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system

The Spiritual Trader

The Spiritual Trader

@ArindamPramnk

twt/x

A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer

Samarth Kishnani

Samarth Kishnani

@samkishnani

twt/x

Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.

They've already saved me more money than any other company lol ❤️

Anish Chattaraj

Anish Chattaraj

@nishchatterjee

twt/x

Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!

Vineeth K

Vineeth K

@DealsDhamaka

twt/x

HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system

The Spiritual Trader

The Spiritual Trader

@ArindamPramnk

twt/x

A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer

Samarth Kishnani

Samarth Kishnani

@samkishnani

twt/x

Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.

They've already saved me more money than any other company lol ❤️

Anish Chattaraj

Anish Chattaraj

@nishchatterjee

twt/x

Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!

Vineeth K

Vineeth K

@DealsDhamaka

twt/x

HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system

The Spiritual Trader

The Spiritual Trader

@ArindamPramnk

twt/x

A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer

Samarth Kishnani

Samarth Kishnani

@samkishnani

twt/x

Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.

They've already saved me more money than any other company lol ❤️

Anish Chattaraj

Anish Chattaraj

@nishchatterjee

twt/x

Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!

Vineeth K

Vineeth K

@DealsDhamaka

twt/x

HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system

The Spiritual Trader

The Spiritual Trader

@ArindamPramnk

twt/x

A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer

We are backed by world - class investors
Kalaari CapitalBetter10x FoundersiSeed
Kunal Shah

Kunal Shah

CRED

Lalit Keshre

Lalit Keshre

Groww

Jitendra Gupta

Jitendra Gupta

Jupiter

Amrish Rau

Amrish Rau

Pine Labs

Ramakant Sharma

Ramakant Sharma

Livspace

In The Media
The Game-Changing Strategy for Free Home Loans
DNA IndiaDNA India

The Game-Changing Strategy for Free Home Loans

September 25, 2024
Building the Future of Home Loans: Credit Dharma
Hello EntrepreneursHello Entrepreneurs

Building the Future of Home Loans: Credit Dharma

August 26, 2024
Pioneering Change in India's Home Loan Landscape
Silicon IndiaSilicon India

Pioneering Change in India's Home Loan Landscape

September 3, 2024
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Fast. Transparent. Spam Free.
Getting a home loan in India is none of the above.
At Creditdharma we are changing that and making your home buying journey stress free. Top Experts, Best Banking Partners and Super Easy Process.
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