Decide based on your real situation, not on how fast the loan is approved.
Loan amounts of Rs 40,000 to Rs 3,00,000 with tenure up to 18 months — good for a mid-size expense with time to repay.
Rate of 15% to 26% per annum is competitive if you qualify for the lower end.
Minimum loan is Rs 40,000, so it's not built for a small, quick need.
Chintamani Finlease Ltd is the legal name behind the brand, and its website — accessed on 16 September 2026 — says the company started in 1995 and publishes a personal loan of up to ₹3 lakh, a loan against property of up to ₹10 lakh, and a business loan mentioned in its FAQ. The site refers to a "CFL App" for customers on the go. Directory data shows a CIN of U74899DL1995PLC067938 and describes the company as an investment-type entity, but current company master data should be checked on MCA, and NBFC status verified from official RBI records, before relying on either — status can change. The FAQs below cover those four identity links — company, app, loan papers and payment route — and how to reach support or report a problem.
Accepted answer
Requirement: Verify MCA/RBI records, official app listing, lender name and loan papers.
Benefit: Published products include personal loans up to ₹3 lakh and LAP ₹10 lakh.
Characteristic: Chintamani Finlease has NBFC-linked identity signals, but app authenticity needs checking.
Differentiator: RBI registration does not mean RBI approves or endorses the app.
