Fast Approvals · Flexible Tenures

Consumer Durable Loan

Finance your home appliances, electronics, and lifestyle gadgets with easy monthly installments — no down payment worries, instant digital approval.

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Why Choose Us

Benefits That Come Standard

Every consumer durable loan from RBWISHMFI is built to be simple, transparent, and fast.

Instant Digital Approval

Get your loan approved within 24 hours. Complete the entire process online — no branch visits required.

Competitive Interest Rates

Enjoy low, transparent interest rates with no hidden charges. What you see is exactly what you pay.

Flexible Repayment

Choose tenures from 3 to 60 months. Repay at a pace that fits your monthly budget comfortably.

Minimal Documentation

Just your ID proof, address proof, and income document. No lengthy paperwork or long waiting queues.

No Collateral Needed

Unsecured loans — you don't need to pledge any asset to buy what you need for your home.

500+ Partner Stores

Walk into any of our partner retail stores and get instant in-store financing at the point of purchase.

Product Coverage

What Can You Finance?

From kitchen appliances to the latest smartphones — if it improves your home or lifestyle, we've got it covered.

Television & Displays

Air Conditioners

Washing Machines

Refrigerators

Smartphones & Tablets

Laptops & Computers

Home Audio Systems

Cameras & Accessories

Kitchen Appliances

Furniture & Mattresses

Fitness Equipment

Gaming Consoles

Simple Process

How to Apply

Get your consumer durable loan in four quick steps — entirely online or at our partner store.

Fill the Application

Enter your basic details — name, contact, income, and the product you wish to purchase — on our online form or at a partner store.

Submit Documents

Upload your KYC documents (Aadhaar, PAN) and income proof digitally. No physical copies needed in most cases.

Get Instant Approval

Our team verifies your details and gives you a decision within 24 hours. You'll receive a confirmation via SMS and email.

Take Home Your Product

Once approved, the loan amount is disbursed directly to the retailer. Walk out with your product the same day.

Who Can Apply

Eligibility Criteria

Most salaried and self-employed individuals qualify easily.

Applicant Type	Salaried or Self-Employed
Age	21 – 65 years
Nationality	Indian Resident
Minimum Income	₹15,000 / month (net)
Work Experience	6+ months in current job / 1 yr business
Credit Score	650 and above (preferred)

Final eligibility is subject to RBWISHMFI's credit assessment and lending partner guidelines.

FAQ

Frequently Asked Questions

What is the maximum loan amount I can get?

You can avail a consumer durable loan of up to ₹10,00,000 (Ten Lakhs), depending on your eligibility, credit profile, and the product you wish to purchase.

Is there a down payment required?

In most cases, no down payment is required. However, for very high-value products or in certain cases based on credit assessment, a nominal margin amount may be applicable.

Can I foreclose the loan early?

Yes, you may foreclose your loan after a specified lock-in period. Minimal foreclosure charges may apply as per the terms agreed at the time of loan disbursement.

How long does approval take?

Loan approval is typically processed within 24 hours of complete document submission. In-store approvals at our partner retailers can be done in minutes.

Will this affect my credit score?

Timely repayment of your consumer durable loan actually helps build a positive credit history. However, missed EMIs may negatively impact your CIBIL score.

Or email us at mfi.rbwish@gmail.com · We respond within 1 business day.

Get In Touch With Us

Feel free to contact us any time. we will get to you as soon as we can!

Resolute Benefactor Wish Micro Service Foundation is dedicated to empowering individuals and communities across India by providing accessible, transparent, and technology-driven financial solutions, fostering financial inclusion and building a self-reliant and sustainable future.

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C/O Bhagirath das, Durgapur,PO. Tekarbazar, Durgapur Tekarbazar, Namkhana,Sou 24 Parganas - 743357, West Bengal. , Namkhana , West Bengal - 743357

7063284316

mfi.rbwish@gmail.com

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