Efficient is a fast, easy, and safe app for instant loans.

With Efficient, you can get the money in your bank account within a few minutes.

It is 100% online, so you can apply from anywhere, anytime.

Efficient does not engage in money lending activities, it is only a platform to facilitate the registration of loans and if we assist in the recovery of loans (as the case may be), we comply with all applicable laws including the RBI's Code of Fair Practice.

Our main partner NBFC - VIVARDHANA MICROFINANCE LTD is a systemically important NBFC in the group of companies under the Efficient brand.

We offer you flexible personal loans from Rs 5000 to with long term repayment periods of 91 to 180 days; it is a 100% online application and you can apply for high-value loans and the money is directly transfer to your bank account within few minutes.

Efficient does not engage in money lending activities.