# Mera Kal > Mera Kal is an Indian financial services platform operated by DN Cube Technology Solutions Private Limited. It helps customers explore and apply for loans against eligible life insurance policies through lending partners, and provides policy-value and loan-eligibility calculators. The official website is https://merakal.in. Mera Kal facilitates loan applications; the lending partner decides whether to approve a loan and sets its terms. Calculator results are estimates, not loan offers or guaranteed insurer payouts. Eligibility depends on the policy and lender assessment. Use the linked pages for current product information. Rates, fees, loan limits and processing times can vary; this file intentionally does not reproduce those figures. Insurer-specific guides describe loans against those insurers' policies and do not by themselves establish a lending partnership with the insurer. The resources below are HTML pages unless otherwise indicated. ## Company and loan information - [Mera Kal homepage](https://merakal.in/): Overview of loans against life insurance policies and the application process. - [About Mera Kal](https://merakal.in/about-us): Company background and mission. - [Frequently asked questions](https://merakal.in/faq): Policy eligibility, borrowing, repayment and the impact on insurance benefits. ## Frequently asked questions - [What is a loan against a life insurance policy?](https://merakal.in/faq): It lets a policyholder borrow using the policy's cash value or surrender value as collateral, without surrendering the policy to obtain the loan. - [Are all types of life insurance policies eligible?](https://merakal.in/faq): No. Policies with a savings or investment component, including endowment, whole life, guaranteed income, money-back and ULIP policies, may qualify. Term, health and accident policies without a cash value do not qualify. Eligibility remains subject to the policy and lender assessment. - [How can I check my policy's surrender value?](https://merakal.in/calculators/surrender-value): Contact your insurer or Mera Kal, or use the surrender value calculator for an estimate. - [Will I receive all the premiums I paid as a loan?](https://merakal.in/faq): No. The amount depends on the policy's surrender value or fund value and the lender's eligible lending percentage, rather than the total premiums paid. - [How do I apply?](https://merakal.in/faq): Submit your policy document for an eligibility review, share the required details, complete digital KYC and bank verification, choose an available loan or overdraft option, pledge the policy and sign the loan offer. Disbursement is subject to lender approval. - [Do I need to keep paying policy premiums?](https://merakal.in/faq): Continue paying premiums that are due to keep the policy active. Missed premiums can cause the policy to lapse and affect insurance coverage and maturity benefits. - [Can the loan affect my maturity benefits?](https://merakal.in/faq): If the loan and accrued interest remain unpaid when the policy matures, the outstanding amount is deducted from the maturity proceeds. - [What happens if I fail to repay?](https://merakal.in/faq): The lender may surrender the pledged policy to recover the debt. Surrender ends the policy's life cover; any funds remaining after settlement may be returned to the policyholder. ## Calculators - [Calculator directory](https://merakal.in/calculators): Available tools for policy and loan estimates. - [Policy loan eligibility checker](https://merakal.in/calculators/policy-loan-eligibility-checker): Check potential borrowing eligibility against a life insurance policy. - [Surrender value calculator](https://merakal.in/calculators/surrender-value): Estimate a life insurance policy's surrender value. - [ULIP fund value calculator](https://merakal.in/calculators/ulip-fund-value): Estimate the fund value of a Unit Linked Insurance Plan. ## Insurer-specific policy loan guides - [LIC policy loans](https://merakal.in/life-insurance/lic): Information about borrowing against LIC policies. - [SBI Life policy loans](https://merakal.in/life-insurance/sbi-life-insurance): Information about borrowing against SBI Life policies. - [HDFC Life policy loans](https://merakal.in/life-insurance/hdfc-life-insurance): Information about borrowing against HDFC Life policies. - [ICICI Prudential policy loans](https://merakal.in/life-insurance/icici-prudential-life-insurance): Information about borrowing against ICICI Prudential Life policies. - [Axis Max Life policy loans](https://merakal.in/life-insurance/axis-max-life-insurance): Information about borrowing against Axis Max Life policies. - [Bajaj Allianz Life policy loans](https://merakal.in/life-insurance/bajaj-allianz-life-insurance): Information about borrowing against Bajaj Allianz Life policies. - [Tata AIA policy loans](https://merakal.in/life-insurance/tata-aia-life-insurance): Information about borrowing against Tata AIA Life policies. - [PNB MetLife policy loans](https://merakal.in/life-insurance/pnb-metlife-insurance): Information about borrowing against PNB MetLife policies. - [Aditya Birla Sun Life policy loans](https://merakal.in/life-insurance/aditya-birla-sunlife-insurance): Information about borrowing against Aditya Birla Sun Life policies. - [Canara HSBC policy loans](https://merakal.in/life-insurance/canara-hsbc-life-insurance): Information about borrowing against Canara HSBC Life policies. - [IndiaFirst Life policy loans](https://merakal.in/life-insurance/indiafirst-life-insurance): Information about borrowing against IndiaFirst Life policies. - [Kotak Life policy loans](https://merakal.in/life-insurance/kotak-life-insurance): Information about borrowing against Kotak Life policies. - [Reliance Nippon Life policy loans](https://merakal.in/life-insurance/reliance-nippon-life-insurance): Information about borrowing against Reliance Nippon Life policies. - [Edelweiss Life policy loans](https://merakal.in/life-insurance/edelwiess-life-insurance): Information about borrowing against Edelweiss Life policies. - [Aviva Life policy loans](https://merakal.in/life-insurance/aviva-life-insurance): Information about borrowing against Aviva Life policies. ## Policies and site navigation - [Terms and conditions](https://merakal.in/terms-and-conditions): Terms governing use of the platform and loan-related services. - [Privacy policy](https://merakal.in/privacy-policy): Information about personal data collection and handling. - [XML sitemap](https://merakal.in/sitemap.xml): Machine-readable directory of the site's listed URLs. - [Robots.txt](https://merakal.in/robots.txt): Crawler directives and sitemap location. ## Optional - [Blog](https://merakal.in/blog): Educational articles and company content. - [Partner with Mera Kal](https://merakal.in/partner-with-us): Information for advisers and referral partners.