Frequently Asked Questions

The basic documents required include: PAN Card, Aadhaar Card, income proof (salary slips or ITR), bank statements for the last 3-6 months, and passport-size photographs. Self-employed individuals may need additional documents like business proof and financial statements.

You can avail a personal loan ranging from ₹5,000 to ₹5 Lakhs. The maximum amount depends on your income, credit score, and repayment capacity. Our team will help you find the best loan amount suited to your needs.

Interest rates are determined based on several factors including your credit score, income level, existing debts, employment type (salaried/self-employed), and the loan amount and tenure you choose. We offer competitive rates starting from 10.75% p.a.

We offer flexible repayment tenures ranging from 12 months to 84 months (7 years). You can choose a tenure that fits your monthly budget and financial goals. Shorter tenures mean higher EMIs but lower overall interest cost.

Yes, you can prepay your loan early. For floating rate loans, there are no prepayment charges. For fixed rate loans, a nominal prepayment fee of 2-4% may apply. Part-prepayment is also allowed after 6 months of disbursement.

Missing an EMI can result in late payment charges and negatively impact your credit score. We recommend contacting our customer support immediately if you anticipate any payment difficulty. We offer flexible solutions to help you manage your repayments better.

Our instant loan approval process can take as little as 2-4 hours for eligible applicants. Once approved, funds are typically disbursed to your account within 24-48 hours. The exact time depends on document verification and completeness.

You can track your loan application status 24/7 through our website or mobile app using your application reference number. You will also receive regular SMS and email updates at every stage of the application process.

Absolutely. We use bank-grade 256-bit encryption and follow strict data protection protocols. Your information is never shared with third parties without your explicit consent. We are fully compliant with RBI guidelines and data security standards.

Yes, we offer loan solutions for various credit profiles. While a higher score helps in getting better rates, we also partner with lenders who consider other factors like income stability and repayment capacity. Check your CRIF score for free and explore your options.

To be eligible for a personal loan, you must be: (1) An Indian citizen aged between 21-65 years, (2) Salaried with minimum 3 months employment or self-employed with minimum 2 years business continuity, (3) Have a minimum monthly income of ₹30,000.

We believe in complete transparency. The only charges involved are: processing fee (0.5%-2% of loan amount), GST on fees, and applicable stamp duty. No hidden charges, no documentation fees, and no foreclosure penalties for floating rate loans.