Investment,
without the interest.
Zero Biyaj connects investors directly with investees — for business, home and technology. No interest. No hidden fees. Funds in 24 hours.
- No hidden fees
- 0% interest, always
- Next-day funds
Active investments
A platform where the support reaches the need
Investors and everyday consumers looking for a return always need somewhere to put their money. People who need that money are paying heavily for it. Zero Biyaj puts the two sides in the same room.
Read our storyThe problem with passive income
Stocks, FDs and mutual funds all hand your money to someone else to manage — and carry real bankruptcy risk.
The problem with borrowing
On the other side are people who need that same money, but the cost of capital means the average customer pays a lot of interest.
Zero Biyaj closes the gap
We connect the two directly, so support reaches the need without interest sitting in the middle.
Why choose Zero Biyaj for your online personal investment?
You are more than your credit score — our model looks at factors such as your education and employment to help you get terms you deserve.
Zero interest. Every single time.
You repay exactly what you received. The cost of capital is the problem we exist to remove — so we removed it.
Flexible investment amounts
You can get a personal investment from ₹1,000 to ₹50,000⁵.
No prepayment fees
You can prepay your investment at any time with no fee or penalty.
More than a credit score
Our model looks at your education and employment, not just your financial history.
Bring all your investments together
Business, home or technology — every arrangement runs on the same zero-interest terms, agreed between investor and investee.
Zero Biyaj is quick and easy
Get your rate
It takes less than 5 minutes to check your rate — and it won't affect your credit score.²
Get approved
Most investees are instantly approved with no paperwork required.³
Get funds
Once approved, you could get your investment in 24 hours or less.¹
We have helped the most customers in the territory
We are proud to have helped the most customers across the territory, offering accessible and reliable financial solutions.
Whether you're looking to invest or to receive investment, Zero Biyaj has been a trusted partner — making a meaningful impact on the lives of individuals and businesses alike.
- 0%
- Interest charged, always
- 24h
- Typical time to funds
- ₹50k
- Maximum investment
- 2013
- Serving since
Online personal investment FAQs
Everything people usually ask before their first investment on Zero Biyaj.
The funds from a personal investment can typically be used for a variety of purposes. Personal investments are commonly used to help with business needs, medical expenses, home improvement projects, education, a move, a wedding, or a vacation.
An unsecured personal investment is money received from an investor that is not secured by property such as a house or car over a fixed period of time. While most investments through Zero Biyaj are unsecured, certain institutions may place a lien on other accounts you hold with them. There may be an option to secure your personal investment through Zero Biyaj with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your agreement for these details before accepting your investment.
If you accept your investment before 5 p.m. Monday - Friday, your funds will be transferred the next business day. If you accept the online investment after that time period, the funds will be transferred the following business day.
You can receive between ₹1,000 and ₹50,000⁵ as a personal investment. Note that certain states have specific minimum investment amounts. The exact amount you may receive depends on what you qualify for based on your application information.
It's possible. Some investors and investment platforms provide personal investments for bad credit or no credit at all. Different investors have different minimum credit requirements. At Zero Biyaj, our model considers other factors such as your education⁴ and employment in addition to your financial background.
It will not. When you check your rate, we make a soft credit inquiry on your report, which doesn't impact your credit score. If you accept your rate and proceed with your application, we will make a hard credit inquiry to verify your information. This action will be recorded as a hard inquiry on your report and it may impact your credit score.
All personal investments through Zero Biyaj offer a 0% interest rate. What you qualify for is based on various factors including your education⁴, work experience, and credit history.
Try Zero Biyaj for free
Register today and get seven days of free training. No interest, no hidden fees — ever.