Retail Customers — Qubik Finserv
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Retail Customers

Life's big moments,
financed simply.

Personal loans and credit solutions for weddings, education, travel, medical needs or that gold purchase you've been planning — priced fairly, explained plainly.

₹25K–₹25LLoan range
24–48 hrsIndicative offer
No collateral*Most facilities
Shopkeeper handing over groceries to a retail customer
Built for you

What we offer retail customers

Personal & gold loans

Whether it's a planned expense or a gold-backed facility, we size it to your need.

Vehicle financing

Two-wheeler, car or commercial vehicle financing with fast dealership disbursal.

Flexible tenures

Repayment periods built around what you can comfortably manage, not a fixed template.

Transparent pricing

Clear terms, no hidden charges — what you see in your offer is what you sign.

Common uses

What retail customers typically fund

  • Funding a wedding, medical emergency or family milestone
  • Purchasing gold jewellery or unlocking value from gold you own
  • Buying a new or pre-owned two-wheeler or car
  • Consolidating smaller debts into one manageable EMI
Why Qubik

Built around your reality

Whether you're financing a personal milestone or a multi-crore expansion, our products are structured around your reality — not a one-size template. Digital onboarding means indicative answers in 24–48 hours, so opportunity never waits on paperwork.

Talk to an advisor
Recommended for you

Products built for retail customers

These are the facilities retail customers turn to most, but any product can be structured to your specific need.

Plan before you borrow

EMI Calculator

Move the sliders to see your monthly instalment instantly. No sign-up, no surprises.

₹10,00,000
₹50 K₹2 Cr
13.0%
8%24%
5 yrs
1 yr30 yrs
Monthly EMI
₹22,753
INTEREST36%
Principal amount₹10,00,000
Total interest₹3,65,180
Total payable₹13,65,180

Indicative only · final terms subject to credit assessment

Questions, answered

Frequently asked by retail customers

Do I need to be employed to apply as a retail customer?
Not necessarily — retail lending covers a range of profiles including salaried individuals, self-employed persons and asset-backed borrowers such as gold loan applicants.
How quickly can I get funds?
Once documents are verified, indicative approval typically comes through in 24–48 hours, with disbursal following shortly after.
Is collateral always required?
No — personal loans are typically unsecured, while gold loans and vehicle loans are secured against the asset being financed.

Ready to get started?

Share a few details and our team will get back to you with a transparent, personalised offer — usually within 24–48 hours.