threedots
Bangalore, IN · 1 known investors
A platform that helps individuals compare and secure home loans from multiple banks with faster approval times and lower interest rates. The service operates in India, offering digital processes and lifetime support to property buyers.
Also known as Credit Dharma · gocreditdharma
Investors · 1
Company profile
researched Aug 2026threedots, operating publicly under the brand Credit Dharma (social handle @gocreditdharma), runs a digital home loan platform in India. The platform lets prospective borrowers compare home loan offers across a network of bank partners on interest rate, eligibility and benefits, and provides assisted end-to-end handling of documentation, offer selection and disbursal.
The product line covers three categories: home loans, marketed with funding of up to 100% of property value and quick disbursals; balance transfers, which move an existing loan to a lower interest rate and can include top-up loans; and mortgage loans (loans against property) for personal or business needs. The company also promotes overdraft (OD) schemes as a way to reduce effective interest costs. Positioning emphasises a fully digital process without branch visits, a dedicated home loan expert per customer, and "lifetime support" after disbursal, contrasted on its own site against a 3-5 week approval time and up to 85% funding it attributes to alternatives.
Business model
Intermediation between retail borrowers and lending banks: the platform aggregates offers from its bank partner network and manages the application and documentation process on the borrower's behalf. The site does not state how the company is compensated.
Not disclosed in available sources.
Traction
The website cites 40+ bank partners, a 92% approval rate, a lowest advertised interest rate of 7.45%, and 200+ customers, alongside named customer testimonials.
▸Full profile — market position, technology, go-to-market, geography
Market position
Describes itself as a home loan platform in India with 40+ bank partners, a 92% approval rate and 200+ customers, positioning on lower interest rates, higher funding limits and faster approval versus conventional bank or broker channels.
Claims exclusive low interest rates from partner banks, funding of up to 100%, approval in 1-2 weeks, a simple digital process, and lifetime post-disbursal support with a dedicated home loan expert.
Technology
A web-based, digital application and comparison process for home loans, described as removing paperwork and branch visits from the borrower journey.
Go-to-market
Direct-to-consumer acquisition through its website with "Get Started" and "Talk to an Expert" conversion paths, supported by bank partnership listings and published customer testimonials from social media.
Individual property buyers and existing home loan borrowers in India, including salaried and self-employed profiles, co-applicants such as joint investment buyers, and owners seeking loans against property; testimonials reference customers in Bangalore.
Geography
India, with customer testimonials referencing home purchases in Bangalore.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
▸Research sources · 1
primary sources listed
- threedotsthreedots.app · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does threedots do?
- Credit Dharma is an Indian digital home loan platform that compares offers from 40+ bank partners for property buyers.
- Who are threedots's investors?
- threedots's investors include iSeed.
- Where is threedots headquartered?
- threedots is headquartered in Bangalore, IN.