How do I apply for a loan or insurance?

Open the service you need, pick the product and fill in the short application. A specialist calls you within one working day with options from regulated banks, NBFCs and insurers.

Do I pay anything to use the calculators?

No. Every calculator on Vara ArthVishwa is free and runs in your browser. We do not ask for personal details to show you results.

Are the returns shown in the calculator guaranteed?

No. Calculators use the expected rate of return you enter. Mutual fund returns are market-linked and actual results will differ.

How do you protect my data?

We follow privacy-first design: we collect only what an enquiry needs, encrypt it, keep it in India and delete it when it is no longer required.

I am a farmer or run a small business without a credit history. Can you help?

That is exactly who our alternative credit intelligence is built for. It uses signals beyond bureau scores to help lenders understand you better.

I work at a bank or NBFC. How do we partner?

Use the contact form and choose "Institutional partnership". Our team will walk you through API access, licensing and custom analytics.

A Parad Fintech platform

All your finance.
One intelligent world.

Invest in mutual funds, apply for loans and insurance, and plan every goal with free calculators. One trusted place, with an expert a call away.

Connect with an expert Explore services

Mutual Funds Loans & Credit Insurance Fixed Income Tax Planning Institutions

Privacy first
Minimal data, encrypted pipelines, stored in India.
Open-source AI
Locally deployed models. No black-box vendor lock-in.
Built for Bharat
Designed around farmers, MSMEs and first-time investors.
No hidden agenda
We show the maths behind every number we give you.

What we cover

Products suited to every goal.

Explore, compare and apply online. A specialist helps you finish, and stays with you after.

Mutual funds

Thousands of schemes, explained in plain language. Compare costs, risk and track records, then plan with our calculators.

Example: ₹10,000 a month for 15 years at 12%

₹50.46 Lfrom ₹18 L invested

Illustrative only. Returns are not guaranteed.

Explore mutual funds See all calculators

Loans and credit

Personal, MSME, agri and gold loans. Thin credit file? Our alternative scoring helps lenders see you properly.

Apply for a loan

Insurance

Life, health, crop and motor cover, compared on what the policy actually pays.

Get a quote

Fixed income

FDs, bonds and government schemes for the steady part of your portfolio.

Compare rates

Tax planning

Plan deductions early so you keep more of what you earn.

ELSS funds
Section 80C
Old vs new regime
Capital gains

Plan my taxes

For institutions

Credit intelligence, APIs and research for banks, NBFCs and lenders.

See what we offer

From first question to the right provider.

Discover
Tell us what you are planning for: a goal, a loan, cover for your family.
Compare
See options side by side with plain-language costs, risks and returns.
Decide
Model scenarios with our calculators before you commit a rupee.
Connect
We hand you to the right regulated provider, and stay with you after.

See what steady investing can do.

Move the sliders. Every number updates instantly, and nothing you enter leaves your browser.

Monthly investment

₹

₹500₹2 L

Expected return (p.a.)

1%30%

Time period

yrs

1 yrs40 yrs

Invested

₹12,00,000

Estimated gains

₹11,23,391

Estimated value after 10 years

₹23,23,391

48% of it is growth

Estimated valueAmount invested

View year-by-year table

Year	Amount invested	Estimated value
1	₹1,20,000	₹1,28,093
2	₹2,40,000	₹2,72,432
3	₹3,60,000	₹4,35,076
4	₹4,80,000	₹6,18,348
5	₹6,00,000	₹8,24,864
6	₹7,20,000	₹10,57,570
7	₹8,40,000	₹13,19,790
8	₹9,60,000	₹16,15,266
9	₹10,80,000	₹19,48,215
10	₹12,00,000	₹23,23,391

More ways to plan

All calculators

Calculations are illustrative and based on the expected rate of return you choose. They are not a guarantee of future performance. Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Parad Fintech The intelligence layer

The engine lenders use, working for you.

Parad Fintech builds AI credit and research models on open-source technology, deployed locally, with privacy designed in from day one.

Precision. Infinite Intelligence. Trust.

Collect data
AI and ML
Predictive insights
Deliver

Alternative data intelligence

Goes beyond financial statements and bureau scores to read real economic activity.

Satellite-powered insights

Crop-health and field indicators help understand a farmer's season, not just their paperwork.

Multi-agent AI

Specialised AI components handle research, risk and analytical workflows together.

Continuous intelligence

Assessments that update with fresh signals instead of relying on last year's data.

Two farmers standing on dry, cracked farmland

Millions of Indians are creditworthy. The system just cannot see them yet.

Smallholder farmers and informal businesses rarely have audited accounts or a bureau history. We use alternative and agricultural data so lenders can judge them fairly.

Better data
Smarter risk assessment
Wider credit access
Stronger rural economy

For banks, NBFCs and LSPs

Serve rural and MSME borrowers profitably.

Plug our alternative credit-scoring engine into your origination flow and assess borrowers that bureaus cannot see.

Per-assessment API pricing
Recurring technology licence
Built for banks, NBFCs and LSPs

Partner with us

Questions, answered.

Something else on your mind? Call us on +91 98219 95229.

Vara ArthVishwa is a single place to explore mutual funds, loans, insurance, fixed income and tax planning. We help you understand and compare options, then connect you with the right regulated provider.

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Start your financial journey.

Leave your number. A Vara ArthVishwa specialist will call you within one working day.

All your finance.One intelligent world.