आपकी जीवन बीमा पॉलिसी के खिलाफ आसान, परेशानी मुक्त ऋणlife insurance policies

सिर्फ 11% प्रति वर्ष से शुरू

  • सस्ती
  • कोई CIBIL स्कोर नहीं
  • पॉलिसी लाभ रखें
अप्लाई करेंऋण पात्रता की जांच करें
POLICY DOCUMENTVALUE GROWTH

Policy Asset

Compounding Growth

Supported & Trusted By

Government of
KarnatakaIIMA Ventures Logoबजाज फिनसर्व लोगोICICI Bankmain.hero.partners.abhi loans

How it works

Watch our quick explainers to understand how you can unlock liquidity from your life insurance assets.

Get Started with Your Policy

What our customers have to say about us

I am delighted to share my experience with Mera Kal, from whom I recently availed a loan for personal needs. I opted for this loan because it offered a unique benefit - it was free from inquiries that could impact my CIBIL score. I plan to take a home loan soon and I wanted to maintain a healthy credit score.

I chose Mera Kal because of LIC's lengthy and cumbersome paperwork process. As a busy individual, I didn't have the time or patience to deal with excessive documentation.

From day one to the final stages, Anwesha was amazing throughout the whole process. She helped me out from start to finish, and I really appreciate her support. The whole experience was actually really smooth and efficient.

C

Chhavi

I was in need of funds for urgent repairs at home, and needed a fast process. LIC was not able to provide a loan on my ULIP policy, so I chose Mera Kal. It was a very good experience fast and smooth process thanks to Anwesha mam and Sahana Mam.

Mujhe ghar pe tatkaal marammat ke liye dhan ki aavashyakata thi, ek tez prakriya ke madhyam se. LIC mere ULIP policy par loan pradaan karane mein saksham nahin tha, isalie mainne Mera Kal chuna. Yah ek bahut achchha anubhav tha, tez aur suchaaroo prakriya, Anvesha maim aur Sahaana maim ka dhanyavaad.

D

Dhruv

Piling up EMIs and sudden financial crunch due to medical expenses meant that we either liquidate our assets or take a loan. But liquidating the assets was taking long and it was at this point that I thought about surrendering my LIC policy.

However, as my latest survival benefit was yet to be disbursed, the system didn't allow me to surrender it. I tried getting a loan from LIC, but my policy wasn't eligible in their system. Only way was to look for third party loan providers who took LIC policies as collateral.

Upon searching, I came across Mera Kal and contacted them regarding my needs. They were quick to respond and also said the same regarding the latest survival benefit not being paid. They reassured me and told me to try surrendering the policy if the need was immediate and they would help me along the way.

Later, I got a receipt of the last survival benefit being pre-approved on 30th December, 2024, due to be paid on 28th March, 2025. I reached out again to the team and shared the news. They were happy to help and we got the policy assignment done with Odisha Gramya Bank, even though dealing with LIC officials was painful.

I wouldn't have known what to do if not for the Mera Kal team and thanks to Anwesha for her immense help at every step. They were extremely helpful and caring towards my cause.

A

Amayanshu

जीवन बीमा नीति के खिलाफ ऋण क्यों?

आपकी जीवन बीमा पॉलिसी के खिलाफ आसान, परेशानी मुक्त ऋण

सरेंडर मूल्य के लिए अधिक ऋण राशि प्राप्त करें
जीवन बीमा कवर का आनंद लें
सरेंडर पर नुकसान से बचें
परिपूर्णता पर नीति का पूरा मूल्य प्राप्त करें
surrender graph

50% नीति धारक अपने नीति लाभ और बचत खो देते हैं क्योंकि उन्होंने सरेंडर या लैप किया है

जीवन बीमा नीति के खिलाफ ऋण क्यों?

आपकी जीवन बीमा पॉलिसी के खिलाफ आसान, परेशानी मुक्त ऋण

सरल दस्तावेज़ीकरण

हमें आपके आईडी, नीति दस्तावेज़ और बैंक विवरण की आवश्यकता है। कोई गारंटर या आय प्रमाण पत्र नहीं 🙂

किफायती ब्याज दरें

ब्याज दरें वर्ष प्रति 11% से शुरू होती हैं, जिससे कम लागत की नकदी उपलब्ध होती है!

क्रेडिट बिल्डर

कोई CIBIL स्कोर आवश्यक नहीं है! यह ऋण आपको अपने स्कोर को सुधारने में मदद कर सकता है

Mera Kal Benefits

मेरा कल पर बीमा के खिलाफ ऋण लेना आसान है

बीमा के खिलाफ ऋण लेने के लिए 5 आसान कदम

Mera Kal Benefits
सुरक्षित और नियंत्रित

100% सुरक्षित और नियंत्रित

RBI logo

हमारे ऋण दाता भाग आरबीआई नियमित एनबीएफसी और बैंक हैं। आप सुरक्षित हाथों में हैं।

कैलकुलेटर

25,000+ ग्राहकों ने सरेंडर मूल्य, ऋण पात्रता का अनुमान लगाया है

कुछ मौलिक नीति विवरण दर्ज करें और तुरंत सरेंडर मूल्य और ऋण पात्रता का अनुमान प्राप्त करें

सरेंडर मूल्य का अनुमान लगाएंऋण पात्रता की जांच करें
Low Interest Loan

More Details

Frequently Asked Questions

A loan against a life insurance policy allows policyholders to borrow funds by using the cash value or surrender value of their life insurance policy as collateral. It provides access to funds without surrendering the policy, enabling continued coverage while utilizing its accumulated value.​
Yes, if your plan has accrued a surrender value or fund value in the case of ULIPs.
You can determine your policy's surrender value by contacting your insurer, Mera Kal or by accessing an estimate via the Mera Kal Surrender Value Calculator.

Not all life insurance policies qualify for loans. Policies with a savings or investment component, such as endowment policies, whole life policies, guaranteed income, money-back and Unit Linked Insurance Plans (ULIPs), typically accumulate a cash value and are eligible.

Term insurance policies, accident and health plans that lack a cash value component, are ineligible.

​
No. You’ll only get a percentage of the policy’s surrender value, which is usually less than the total premiums paid to date.
See more FAQs