For most personal loans, you only need your PAN card, Aadhaar card, last 3 months bank statement, and last 3 months salary slip (if salaried). For business loans, additional documents like ITR and business proof may be required.

Most applications receive an in-principle approval within 3 minutes. Final approval and disbursal typically happens within 24-48 hours, subject to document verification.

We typically require a CIBIL score of 700+ for the best interest rates. However, we also offer loans to customers with lower scores through our secured loan products (gold loan, loan against property, etc.).

Personal loans and business loans from us come with zero prepayment charges. Home loans may have foreclosure charges as per RBI guidelines after a minimum lock-in period.

Absolutely. We use 256-bit SSL encryption, store data in ISO 27001 certified data centres, and are fully compliant with RBI and IT Act regulations. Your data is never sold to third parties.

EMI is calculated using the formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1] where P is the principal, R is the monthly interest rate, and N is the loan tenure in months. Use our EMI calculator above to compute your EMI instantly.

Yes, you can apply for multiple loan products. However, approval is subject to your total debt-to-income ratio. We recommend repaying existing loans before applying for new ones for the best terms.

Missing an EMI attracts a late payment charge (varies by loan type) and may impact your credit score. We send reminders before the due date. If you face financial difficulties, please contact us – we offer restructuring options on a case-by-case basis.

Yes, we offer personal, business, and home loans to self-employed individuals, professionals (doctors, lawyers, CAs), and business owners. Documentation requirements differ slightly.

Log in to your dashboard at /user/home to see real-time status of your loan application, EMI schedule, and documents. You will also receive SMS and email updates at every step.