Personal loan in Surat
Across 74 pincodes in Surat, 68% have 4 or more lenders to choose from, and in 100% the listed amounts reach ₹50 lakh. Listed rates from these lenders run from 12% to 36% a year.
Check your pincode
Coverage is decided pincode by pincode. Enter yours to see how many options you have and the amounts listed there.
3 to 5 lenders, depending on the pincode
Every Surat pincode has at least 3 lenders, but only 68% have 4 or more: 2 lenders cover only part of the district. With Surat’s textile and diamond trades, many applicants are self-employed, and proving income without a salary slip matters as much as the pincode.
How many lenders serve Surat pincodes
- 5 lenders27 pincodes
- 4 lenders23 pincodes
- 3 lenders24 pincodes
3 lenders serve every pincode in Surat; 2 serve most or part of it.
Which areas this page covers
This page covers Surat district — the city and its surrounding talukas. Navsari and Bharuch are separate districts; check those pincodes directly.
Coverage as of 4 Nov 2026, from our lenders’ pincode lists. You apply in the Innopay app; there is no branch to visit.
Who lends through Innopay Money
Loans are sanctioned by RBI-regulated lenders; Innopay Money does not lend. These are the lenders that serve at least one Surat pincode. The lender for your loan is named in your offer and in its Key Fact Statement. How to check a lender.
See the 5 lenders and their listed termsalphabetical, not a ranking
| Lender | Surat pincodes served | Amount | Rate (p.a.) |
|---|---|---|---|
| Aye Finance | 39 of 74 (53%) | ₹5,000 – ₹1 lakh | 24% – 29.5% |
| Hero Fincorp | 38 of 74 (51%) | ₹50,000 – ₹7 lakh | 18% – 30% |
| mPokket | 74 of 74 (100%) | ₹1,000 – ₹2 lakh | 18% – 36% |
| Poonawalla Fincorp | 74 of 74 (100%) | ₹50,000 – ₹15 lakh | 12% – 29% |
| TATA CAPITAL | 74 of 74 (100%) | ₹65,000 – ₹50 lakh | 12% – 29% |
Listed interest rates, not offers. Compare the APR, fees and repayment schedule in each lender’s Key Fact Statement.
Applications are made in the Innopay app: choose the amount you need there and see the offers available to you. The lender decides approval.
Apply in the Innopay appFrequently asked questions
I run a business in Surat and have no salary slip. Can I apply?
Yes. Lenders can assess self-employed applicants on bank statements, tax returns or GST records; what each accepts differs, and the lender tells you during the application.
Why do some Surat pincodes have fewer lenders?
Each lender chooses the pincodes it serves, and some cover only part of the district. Enter your pincode in the pincode checker to see your own options.