Every screen a borrower sees in the native app, from first tap to final rupee repaid. Forms adapt so nobody fills a field that does not apply to them, and every failure has a retry path rather than a dead end.
We send a one-time password to confirm it is you. Use the number linked to your Aadhaar.
Device fingerprint · SIM bind · velocity · IP and location risk · blacklist check.
Sent to +91 98765 43210. The app reads the SMS for you — no typing needed.
Resend up to three times, then an IVR call fallback, then a 30-minute lock.
Granted once, at install. We never ask for your contacts, gallery, messages or call logs.
We pull your name and date of birth from NSDL. Your PAN is tokenised — the raw number is never stored.
Aadhaar KYC from DigiLocker, then a live selfie to match the photo. We keep a masked reference — never your full Aadhaar number.
Permission was granted on the previous screen, so the camera opens inline — no browser prompt, no leaving the app.
There is no salary credit for an Account Aggregator to confirm, so screen 8 asks for three payslips plus employer verification instead.
Age, PIN serviceability, income floor, geo versus PIN and dedupe all run at zero cost. Fail here and no paid API is ever called.
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You approve a read-only consent at your own bank. We see salary credits and obligations — never your login, and never the ability to move money.
Any flag goes to manual review within 48 hours — never an auto-reject, because honest scans trip these checks too. A re-used file is declined and fraud-flagged. Cash-paid applicants also need employer verification, so a forged slip alone cannot clear.
An underwriter is looking at your application personally. We will notify you within 24–48 hours — there is nothing more to do right now.
Not a judgement on you — our current policy simply does not fit your profile today. Here is exactly why.
Your declared monthly income is below our current floor for this product. This was a policy check — no credit bureau enquiry was made, so your credit score is untouched.
Every figure is computed on the server and re-quoted when the slider moves — the app never calculates money itself. Lender: Salora Capital Limited (RBI-registered NBFC). Platform: MD Finlabs Private Limited, trading as AdvanceRupay, acting as an LSP.
The account must be in your own name. We send ₹1 to confirm the name matches, and refund it immediately.
PRIYA NAIR — matches your PAN. HDFC Bank ••4821.
An NPCI e-mandate lets us collect the single repayment on your due date. You can still pay manually before that date.
Retry with the other method — debit card and net banking swap freely — and if both fail, a physical NACH form. Charged once, and free on a reloan.
Read this before you sign. It is the complete, final price of your loan — nothing is added afterwards.
Credited to HDFC ••4821. Most banks show it within minutes. Your signed agreement and repayment schedule are in the app and your email.
Your payment is recorded only when the gateway sends a signed webhook. Reminders, auto-debit and closure all run server-side.
Sign in with your mobile number or your last loan ID. If your previous loan is closed, the money can go out immediately.
KYC, bank account and mandate are still on file, so nothing is re-verified: no PAN check, no eKYC, no selfie, no penny drop, no new mandate.
Pick the amount, read the Key Facts Statement, accept — and the transfer goes out on the same screen. No forms, no queue.
Accepting e-Signs a fresh agreement against your existing KYC. Lender: Salora Capital Limited, RBI-registered NBFC.
Straight to HDFC ••4821, the same account as last time. Start to finish in under a minute.
ARP-000123 is fully repaid. Your No Objection Certificate was issued automatically on the final payment.
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The free pre-filter on screen 7 never approves anyone — it only decides who is worth spending money on. Age, PIN serviceability, income floor, geo match and dedupe kill a third of applicants at zero cost, which is why the bureau pull and Account Aggregator sit on screen 8, behind it.