Finance · Apply for a loan

Apply for a loan. One application, the right lender.

Through BhoomiSeva's KAMALO tie-up, a pan-India network of 25,000+ banking and finance partners can process loans for farmers, Kendras, chemists and District and State Partners. Fill this in once. Our finance desk checks it, tells you what is missing and routes it to a suitable lender.

25,000+banking & finance partners via KAMALO

10applicant types, one form

15 minto fill in, documents on WhatsApp

Start my application Documents you will need

How it works

From your phone to a lender, in four steps.

1
Fill in the form
Choose who you are, the loan you need and your details. Your answers are saved on this phone as you type.
2
Send on WhatsApp
Your application goes to 95112-44414 with a reference number. Then share your PDF and photo documents in the same chat.
3
Finance desk check
We check that the file is complete, call you about anything missing and match you to a suitable lender.
4
Lender decides
The lender runs its own assessment and decides the amount, rate and terms. BhoomiSeva supports you through it.

Loan application

Your application, step by step.

Six short steps. Fields marked * are needed to process the loan. If you do not have something today, choose "Will send later" and send it in the same WhatsApp chat.

5. Documents

This list changes with your answers. Attach PDF or photo files (JPG, PNG). A clear phone photo is fine. Files stay on your phone until you share them on WhatsApp in step 6.

PAN card of the applicant / firm and of every proprietor, partner or directorBank checklist
Attach files
Address proof of each proprietor, partner or director: masked Aadhaar, passport or voter IDBank checklistUse masked Aadhaar (only the last 4 digits visible).
Attach files
Recent photographs of the proprietor / partners / directorsBank checklist
Attach files
Udyam registration certificate of the unitBank checklistFree at udyamregistration.gov.in if you do not have one.
Attach files
GST registration certificate (or a note that the unit is not GST-registered)Bank checklist
Attach files
Electricity bill of the residence and the business placeBank checklist
Attach files
Quotation for the machinery, equipment or vehicle (term loan)Bank checklist
Attach files
Bank statements for the last 13 months, as PDF, for all bank accountsBank checklistDownload the PDF from net banking or ask your branch.
Attach files
Sanction letters of existing loansBank checklist
Attach files
ITR for the last 3 years with P&L account and balance sheet (new units: estimates for the next 2 years)Bank checklist
Attach files
GST returns for the last financial yearBank checklist
Attach files
Partnership deed / LLP agreement / certificate of incorporation with MOA & AOA / FPO or society registration and bye-lawsBank checklist
Attach files
Board resolution approving the loan requestBank checklist
Attach files
Photograph of the unit / shop with the promoterBank checklist
Attach files
Land records: 7/12 extract and 8-A (or your state’s equivalent)Speeds up approval
Attach files
Ownership proof or rent / lease agreement of the business premisesSpeeds up approval
Attach files
Trade licences: drug licence (chemists); fertiliser, pesticide or seed licence (Kendra / input business); FSSAI (food)Speeds up approval
Attach files
Project report / business plan with costs and repayment estimateSpeeds up approvalOur finance desk can help you prepare this.
Attach files
BhoomiSeva letter of intent or partner agreement (if issued)Speeds up approval
Attach files
Net-worth statement of the promoters (CA-certified)Speeds up approval
Attach files
Security documents: title deed, valuation report, encumbrance certificateSpeeds up approval
Attach files

We will never ask for passwords or OTPs.

Lenders may check your ITR, GST and bank data only with your consent, through their own secure OTP process. Never send your ITR, GST, bank or Aadhaar passwords or OTPs on WhatsApp, to us or to anyone.

6. Check and send

Your application summary

The information I have given is true and complete to the best of my knowledge.I agree that BhoomiSeva may share this application and my documents with partner banks and finance companies (including through KAMALO) only to assess my loan, and that a lender may check my credit report.I understand that BhoomiSeva facilitates loans and is not the lender. Approval, amount and terms are decided by the lender.

WhatsApp opens with your application ready to send to 95112-44414. Check it and press send.

All financing is facilitated, not guaranteed, and is subject to lender eligibility, assessment, documentation and final approval.

Keep these ready

Documents lenders ask for.

The form shows only what applies to you. The full list, so you can start collecting now:

Bank checklist KAMALOSpeeds up approval

PAN card of the applicant / firm and of every proprietor, partner or director
Address proof of each proprietor, partner or director: masked Aadhaar, passport or voter ID
Recent photographs of the proprietor / partners / directors
Udyam registration certificate of the unit
GST registration certificate (or a note that the unit is not GST-registered)
Electricity bill of the residence and the business place
Quotation for the machinery, equipment or vehicle (term loan)
Bank statements for the last 13 months, as PDF, for all bank accounts
Sanction letters of existing loans
ITR for the last 3 years with P&L account and balance sheet (new units: estimates for the next 2 years)
GST returns for the last financial year
Partnership deed / LLP agreement / certificate of incorporation with MOA & AOA / FPO or society registration and bye-laws
Board resolution approving the loan request
Photograph of the unit / shop with the promoter
Land records: 7/12 extract and 8-A (or your state’s equivalent)
Ownership proof or rent / lease agreement of the business premises
Trade licences: drug licence (chemists); fertiliser, pesticide or seed licence (Kendra / input business); FSSAI (food)
Project report / business plan with costs and repayment estimate
BhoomiSeva letter of intent or partner agreement (if issued)
Net-worth statement of the promoters (CA-certified)
Security documents: title deed, valuation report, encumbrance certificate

Good to know

Before you apply.

Is BhoomiSeva the lender?

No. BhoomiSeva prepares and routes your application through the KAMALO tie-up to banks, NBFCs and cooperative lenders. The lender assesses it and decides.

Does applying guarantee a loan?

No. All financing is facilitated, not guaranteed, and is subject to lender eligibility, assessment, documentation and final approval.

Why masked Aadhaar?

A masked Aadhaar shows only the last four digits and is accepted for KYC. Download it free from the myAadhaar website. Never share your full Aadhaar number in a chat.

Who sees my documents?

Only BhoomiSeva's finance desk and the lender your application is routed to, with your consent. Nothing is stored on this website.

Can farmers apply for protocol finance today?

Both farm loans, Shri AnnaSeva Farm setup and protocol finance for oilseeds and other branded-product crops, are opening with a partner lender. Apply now and your application is held in the queue, so you are offered it first when it opens in your area. Other farm loans such as KCC or machinery can be processed now.

Will anyone ask me for money to get the loan approved?

BhoomiSeva never asks for money, OTPs or passwords to approve a loan. If anyone does, do not pay and report it to us on WhatsApp 95112-44414.

Apply for a loan. One application, the right lender.

From your phone to a lender, in four steps.

Fill in the form

Send on WhatsApp

Finance desk check

Lender decides

Your application, step by step.

Application ready. Now send your documents.

Documents lenders ask for.

Before you apply.

Not sure which loan fits?