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प्रारब्ध · An honest financial-services partner

Your money. Your decisions.
Our expertise.

A veteran-led, IRDAI POSP & AMFI-registered advisory comparing home loans, personal loans, term & health insurance and mutual funds / SIPs from 50+ partner banks & insurers in India — without charging you a rupee in commission.

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  • DPDP-compliant data handling
  • SEBI / IRDAI partnered network
  • 48-hour first response
AMFIARN - Reg.
IRDAIPOSP Registered
CINU70200HR2024PTC126184
LLPINACG 8474
Trusted by India's leading financial institutions
50+
Partner banks & insurers
₹2Cr+
Disbursed across products
500+
Customers served
48h
First-response SLA
Why Praarabdh

Independent, expert and DPDP-first by design

No commission charged to you

Our income comes from partner banks & insurers — never from you. The advice you get is unbiased.

DPDP-first record-keeping

Every enquiry is logged with timestamped, IP-verified consent under the DPDP Act, 2023. Withdraw anytime.

50+ verified partners

From Bajaj Finserv and HDFC to ICICI Lombard and Tata AIG — compared in one place, transparently.

Real advisor, not a call-centre

Speak to a SEBI / IRDAI-aligned advisor on every product — by name, on WhatsApp, on call.

Trusted by 500+ customers

The most reassuring way to choose a financial product

Home Loan
★★★★★

"Got my home-loan disbursal in 11 days. The advisor stayed on a call till I signed. Zero pushy calls, just clear comparisons between Bajaj and HDFC."

RM
Rohan M.
IT Professional · Gurugram
Term Insurance
★★★★★

"Compared 4 term plans side-by-side with the advisor — no jargon, every claim ratio number cited. Picked HDFC Click 2 Protect in 20 minutes."

PA
Priya A.
Doctor · Mumbai
Mutual Funds
★★★★★

"Started a ₹15k monthly SIP across 3 funds the advisor recommended. Plan was explained in 30 minutes, not 3 sales pitches. Highly recommend Praarabdh."

SK
Sandeep K.
Defence Personnel · Pune
Expert led

Real advisors. No call-centre.

Every enquiry is reviewed by a SEBI / IRDAI-aligned advisor before partner offers are matched. Talk to a human — book a 15-minute consultation, no obligation.

Meet the team
Investments
Stock market chart on a screen

Mutual Funds & SIP

Goal-based plans, AMFI-aligned

AMFI Registered
Insurance
Hands holding an insurance document

Life & Term Insurance

Real claim-ratio reviews

IRDAI POSP
Lending
House keys handed over for a home loan

Home & Personal Loans

Compare 50+ verified partners

DSA Verified
Wealth
Calculator and financial planning paperwork

Tax & Wealth Planning

New regime vs old, sorted

Financial Planner
Founder note

Why trust Praarabdh with your money?

Mitesh founded Praarabdh after watching one too many middle-class families get mis-sold endowment plans and "no-cost" EMI traps. The pitch is simple: independent advisors, transparent partner offers, no commission charged to you.

  • 15+ yrs in Indian financial services
  • IRDAI POSP & AMFI registered
  • Speaks Hindi, English & takes the call himself
A 90-sec note from the founder
For those who serve

Built by veterans, for veterans.

Praarabdh's defence vertical is run by serving and retired armed-forces personnel. Exclusive offers on AGIF, DSOPF guidance, post-retirement health cover (ECHS) and home loans — at rates and terms our partner banks reserve for the uniform.

Defence Personnel Hub Loans · Insurance · Wealth planning  
How it works

The most reassuring way to choose a financial product

Three steps from enquiry to disbursal — your data stays with you, partners come to you.

01

Tell us what you need

One short form — name, contact, the product you're after, and DPDP consent. Takes under 60 seconds. We never re-share your data without your tick-box consent (DPDP Act, 2023).

Start now DPDP-compliant
ProductHome Loan
NameRahul S.
Phone+91 ●●●●● ●●○○○
Consent Granted · DPDP
02

We match the right partner

Our team plus 50+ partner banks & insurers respond with offers tuned to your profile, income and credit score. No spam, no aggressive call-centre rounds.

First response within 48 hours
Bajaj Finserv8.40% p.a.
HDFC Bank8.50% p.a.
ICICI Bank8.55% p.a.
Axis Bank8.65% p.a.
03

Choose & close

Compare side-by-side, pick the offer, sign — and an advisor hand-holds you through disbursal, policy issuance or NAV allotment. Lifetime support, not just till closure.

Meet the team

"Got my home-loan disbursal in 11 days. Advisor stayed on a call till I signed."

— Rohan M., Gurugram
Everything you need in one place

Our Product Suite

Pick a category and start with the right product. Apply in 3 minutes — track in real time.

Financial Calculators

Plan your finances with precision using our advanced tools.

10,00,000
8.5
10
EMI breakdown chart showing principal vs interest
Monthly EMI

₹12,398

Principal ₹10L
Interest ₹4.8L
Total Payable ₹14.8L
5,000
12
10
SIP returns chart showing invested amount vs gains
Total Value

₹11.6L

Invested ₹6L
Gains ₹5.6L
50,000
5,000

You are eligible for

₹24,00,000

Personal Loan (Standard Estimate)

Apply Now
Praarabdh Insights

Decode loans, insurance & investing — in plain English

All articles
Home Loans Personal Loans Term & Health Insurance SIP & Mutual Funds Tax Planning Retirement DPDP & Defence Credit Cards
Article

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Editor's picks
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From Our Community

Milestones, partnerships, and moments that shape the Praarabdh journey.

FAQ

Questions our customers ask before applying

Straight answers — no jargon. If yours isn't here, the consult widget can match you with an advisor in under 30 seconds.

Does Praarabdh charge a fee for using its platform?

No. Praarabdh is free for customers. We earn a fixed referral from partner banks and insurers when a product is successfully disbursed or issued — that fee is paid by the partner, not by you. There are no hidden charges, processing fees or "advisory subscriptions".

What happens to the data I share on this site?

Praarabdh operates as a Data Fiduciary under the Digital Personal Data Protection Act, 2023. Your data is shared with partner lenders / insurers only for the specific purposes you tick at submission. Every enquiry stores a timestamped, IP-verified consent record. You can withdraw consent or request deletion at any time by emailing support@praarabdh.com.

Will I get spam calls from random call-centres?

No. Your enquiry is routed only to the verified partner banks / insurers that match the product you've selected. Our own advisor reaches out first to confirm what you need, then introduces you to the chosen partner. We do not sell or rent contact lists.

How does Praarabdh choose which lender or insurer to recommend?

For loans, we filter by your credit score band, income, tenure and any LTV / FOIR constraints — so the offers you see are the ones you can actually qualify for. For insurance, we filter by claim settlement ratio, your declared health profile and the cover amount. Our advisors then explain the trade-offs out loud before you sign anything.

Are the indicative rates on the homepage what I'll actually get?

The rates shown are the starting rates published by each partner. Your final rate depends on your credit profile, employment type, loan tenure and bank policy at the time of disbursal. The comparison-table footnote (*) and the partner page disclaimers spell this out — and your advisor will share an exact quote within 48 hours of enquiry.

Is Praarabdh registered with SEBI / IRDAI / AMFI?

Yes — our advisory network is AMFI Registered for mutual fund distribution, IRDAI-POSP registered for insurance distribution, and our parent entity is a CIN-registered Indian Private Limited (U70200HR2024PTC126184). Full regulatory details are listed in the footer of every page.

Can I talk to a real person, not a bot?

Yes — every consult booking is assigned to a named advisor within 48 hours. You can also reach the team on WhatsApp or call +91 11 6931 1711 between Mon-Sat, 10:00-18:00 IST. No IVR mazes.

Explore our products

Loans

Home Loan in India Personal Loan Business Loan Education Loan Armed Forces Loan Loan Against Property

Insurance

Term Insurance Plans Life Insurance Health Insurance Motor Insurance Group / Employee Insurance Compare Insurance Plans

Investments

Mutual Funds Start SIP (₹500/mo) Bonds & Debt SGB & ETF Fixed Deposit Rates Get a Financial Plan

Tools & Guides

EMI Calculator SIP Calculator Loan Eligibility Calculator Personal Finance Blog Talk to an Advisor Track an Application

Praarabdh is an IRDAI POSP & AMFI Registered financial-services aggregator in India. We compare offers from 50+ partner banks & insurers — Bajaj Finserv, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra, Tata AIG, ICICI Lombard, Star Health, SBI Life, Mirae Asset, Nippon India, Aditya Birla Sun Life and more — at zero commission charged to customers. Fully DPDP Act, 2023 compliant with timestamped consent records.