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.
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.
Home Loan Handled
Money Saved
Avg Customer Rating
Meet the team of home loan experts
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
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
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
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.
Ranesh
Customer Success Head
Ranesh comes with over 10 years of experience in this industry, spread across names including HDFC, ICICI, and more. His knack for perfection enables us to ensure the highest quality of customer satisfaction for each and every Credit Dharma customer.
WHAT PEOPLE THINK ABOUT US
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
Tushar Agarwal
Tushar Agarwal
@tusharag24
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
@seini_69
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
@bhowmick_r
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
@goyal_pratiksha
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
@tusharag24
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
@seini_69
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
@bhowmick_r
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
@goyal_pratiksha
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
@tusharag24
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
@seini_69
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
@bhowmick_r
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
@goyal_pratiksha
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
@tusharag24
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
@seini_69
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
@bhowmick_r
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
@goyal_pratiksha
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
@samkishnani
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
@nishchatterjee
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
@DealsDhamaka
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
@ArindamPramnk
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
@samkishnani
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
@nishchatterjee
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
@DealsDhamaka
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
@ArindamPramnk
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
@samkishnani
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
@nishchatterjee
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
@DealsDhamaka
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
@ArindamPramnk
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
@samkishnani
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
@nishchatterjee
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
@DealsDhamaka
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
@ArindamPramnk
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
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