Dear Applicant, Get quick approval and a seamless, digital loan process with Athena Finance. Apply now for flexible terms and transparent conditions—no hidden charges, no paperwork hassles. Terms & conditions apply

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Welcome to Athena Finance

Your Trusted Partner for Personal Loans


Athena Financial Services Limited is a leading RBI-registered Non-Banking Financial Company (NBFC) established in 1990. Based in Pune, Maharashtra, we specialize in providing fast, flexible, and accessible personal loans to individuals across India. We are committed to offering transparent financial solutions that help you manage urgent financial needs with ease and confidence.

Whether it's for medical emergencies, educational expenses, home repairs, or any other personal requirement, Athena Financial Services is here to support you with a hassle-free loan process and flexible repayment options. See More



34 +

Years of Experience

5000 +

Happy Customers

10 Mins

Loan Disbursal

100 %

Transparent Process

How to Get Your Loan in 3 Simple Steps

Sign Up

Create an account with Athena Finance by providing basic information.

Apply for Loan

Fill out a simple loan application form with your personal details and needs.

Get Approved

Once approved, receive your loan quickly with flexible repayment options.


Loan Image


Your Trusted Partner in Financial Assistance

Minimum Loan Amount: Rs 10,000

Monthly Interest Rate: 2% Per Month

Maximum Repayment Tenure: Up to 10 Years

Maximum Loan Amount: Up To Rs 2,00,000

Processing Fees: 2% Of The Loan Amount

EMI Bounce Charge: Rs 590/- Bounce Charge

No Pre-Closure Charges

Annual Interest Rate: Approx. 24%

Why Choose JMFIN Credit?

Flexible terms and reliable service

Why Choose Our Business Loans?

Affordable, Fast & Hassle-Free Financial Solutions

We provide businesses with the essential financial backing they need to grow and succeed. With attractive low-interest rates, quick loan disbursement, and minimal documentation, securing your business loan has never been easier!

Low Interest Rates

We offer some of the lowest interest rates in the industry to ensure that your business loan is affordable and manageable. Grow your business without worrying about heavy interest burdens.

Quick Loan Disbursement

Time is money! We ensure fast processing and quick loan disbursal so you get the capital you need right when you need it. No delays, just quick, efficient financing for your business.

Minimal Documentation

Say goodbye to long paperwork! We keep the documentation process simple and straightforward, ensuring a hassle-free application. Focus on your business while we take care of the rest.

24/7 Dedicated Support

Our team is here for you anytime, day or night. Get all the help you need with loan applications, guidance, and any other assistance to ensure smooth financing for your business.

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Loan Representative Example

Loan Amount APR Tenure Processing Fee GST on Processing Fee Amount Disbursed EMI Total Repayment Amount Total Interest
₹50,000 2% per month (24% APR) 12 Months ₹1,000 ₹180 ₹48,820 ₹4,998 ₹59,978 ₹9,978

Loan Amount: ₹50,000 (This is the amount you are borrowing).

APR: 24% per year (2% per month) (This is the interest rate applied on the loan amount).

Tenure: 12 Months (The loan is to be repaid in 12 equal installments).

Processing Fee: ₹1,000 (The fee charged by the lender for processing your loan application).

GST on Processing Fee: ₹180 (18% GST applied on the processing fee).

Amount Disbursed: ₹48,820 (After deducting processing fee and GST, this is the amount credited to your account).

EMI: ₹4,998 (The fixed monthly installment to be paid, which includes both interest and principal).

Total Repayment Amount: ₹59,978 (The total repayment for the entire loan tenure including interest).

Total Interest: ₹9,978 (The interest paid above and beyond the loan amount over 12 months).