How can we help?

The product is designed for salaried individuals living in India who receive their salary into a bank account in their own name. The exact age, income and other criteria are set by the regulated lender — you can see the current preliminary criteria on our Eligibility page.

No. The eligibility check only compares your answers with the lender's disclosed preliminary criteria. The lender makes the final decision after verifying your identity, income and credit history. Approval is never guaranteed.

The eligibility checker on this website doesn't contact any credit bureau. If you submit a full application, the lender will request your credit report with your consent, and that enquiry may be recorded by the credit bureau.

Your PAN, your most recent salary slip, and — only if the lender asks — your salary account statement or an address proof. You'll see exactly what's required, and why, before you upload anything. Aadhaar is not required by default.

PDF, JPG or PNG files up to 5 MB each. Photos must be clear and show the whole document. Password-protected or interactive PDFs can't be accepted.

Documents are encrypted when stored, are never available on a public link, and can only be downloaded by you after signing in, or by the lender for verification. Every access is logged.

The Annual Percentage Rate (APR) is the total yearly cost of the loan, including interest and fees such as the processing fee and GST. Because the fee is deducted from the amount you receive but you repay the full principal, the APR is higher than the interest rate alone. Comparing APRs is the fairest way to compare loans.

Yes, a one-time processing fee plus GST applies. It is deducted from the loan before the money is paid to your bank account, so you receive slightly less than the loan amount. The exact amount is shown in the calculator and in your Key Facts Statement.

Only charges listed in your Key Facts Statement (KFS) can be collected. Anything not disclosed in the KFS cannot be charged. Penal charges for late payment, if any, are shown separately and are never added to the interest rate.

A short, standardised summary of your loan — amount, interest, all fees, APR, repayment schedule, penal charges, cooling-off period and complaint contacts. The lender gives it to you before you accept an offer, so you can review and compare before committing.

It depends on how quickly your details can be verified by the lender. You can track every stage in your dashboard, and we'll tell you as soon as the lender updates your application. We don't promise instant approval or instant money.

Yes. Each step is saved securely as you go. Sign in with your mobile number at any time and you'll continue from where you left off.

Sign in and open your dashboard. You'll see the current status, any actions the lender needs from you, your documents and, if one is made, your loan offer.

You'll see the decision in your dashboard along with any reason the lender is able to share. It's not a judgement of you as a person, and you can contact us if you have questions or believe a mistake was made.

The product is repaid in a single payment at the end of the term. Example terms shown here are 15, 30, 45, 60, 90 days. Your exact due date is fixed in your Key Facts Statement and shown in your dashboard, counted from the day the money is paid to you.

Prepayment terms are set by the lender and shown in your Key Facts Statement. Interest is calculated for the days you actually hold the money where the lender's policy allows it.

Please contact us before your due date — we'll explain your options. Late payment can lead to penal charges as disclosed in your KFS and may be reported to credit bureaus, which can affect your ability to borrow in future. We will never threaten, shame or contact your family, friends or employer.

Yes. During the cooling-off (look-up) period stated in your KFS, you can exit the loan by repaying the principal and the proportionate cost (APR) for the days you held the money, with no penalty. You can start this from your dashboard.

Failed payments are usually reversed by your bank automatically within a few working days. Your dashboard only shows a payment as complete once the lender has confirmed it. If the amount isn't reversed, raise a request with your transaction reference and we'll investigate with the lender.

Use the lender-authorised payment options shown on your Repayments page. Repayments go directly to the lender's bank account. We will never ask you to pay into a personal account, or ask for your UPI PIN, card PIN or OTP.

Use the complaint form on our Grievance Redressal page or in your dashboard. You'll receive a reference number immediately. If your complaint isn't resolved within 30 days, or you're unhappy with the response, you can escalate to the RBI Integrated Ombudsman via the RBI Complaint Management System.

Only to process your application and service your loan, with your consent, and as required by law. We don't access your contacts, call logs, photos or files, and we don't sell your data. Our Privacy Policy lists every partner that receives your information and why.

Yes. Raise a privacy request from your dashboard settings. Some records must be kept for a period required by law (for example KYC and loan records) — we'll explain what can and can't be deleted.

If you have no active loan, raise an account closure request from your dashboard settings. We'll confirm when it's done and tell you about any records we're legally required to keep.