A webview build a borrower opens on their phone — no app install. 15 steps on a ₹30,000 / 30-day product. Browser rules apply: camera and location are asked at the moment they are used, and every partner step leaves the page and returns to a callback URL.
No app to install, no documents to upload. Start with your mobile number.
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. Browsers cannot auto-read the SMS, so type it in.
Three attempts, then an IVR call fallback, then a 30-minute lock.
We pull your name and date of birth from NSDL. Your PAN is tokenised — the raw number is never stored.
There is no salary credit to read, so the next step asks for three payslips plus employer verification instead of a bank connection.
“apply.advancerupay.com wants to know your location.” One coarse reading, compared against your PIN code. We keep only a match / no-match flag, never coordinates, and declining routes you to manual address verification rather than ending the application.
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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.
Upload your last three payslips. We check employer and PAN consistency, the arithmetic, file forensics and whether the file has been seen before. Anything odd goes to manual review within 48 hours — never an automatic rejection.
An underwriter is looking at your application personally. You will hear from us within 24–48 hours by SMS and email — 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. No credit bureau enquiry was made, so your credit score is untouched.
Every figure is re-quoted on our server when you move the slider. Nothing is final until you accept the Key Fact Statement.
Two steps: fetch your Aadhaar KYC from DigiLocker, then a quick selfie to match the photo. We store a masked reference — never your full Aadhaar number.
The browser asks once, when you tap to take the selfie. Permission is per-site, revocable in browser settings, and there is no background access — the stream closes as soon as the frame is captured.
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, so you do not have to remember. You can still pay manually before that date.
NPCI and your bank handle the authorisation, then return you here automatically. If the mandate is declined you can switch between debit card and net banking, or fall back to a physical NACH form.
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 your email.
Your payment is recorded only when the gateway sends us a signed confirmation — no receipt is issued on an unverified callback.
ARP-000123 is fully repaid. Your No Objection Certificate is ready to download.
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The free pre-filter on step 7 never approves anyone — it only decides who is worth spending money on. Age, PIN serviceability, income floor, geo match and dedupe kill 30–40% of applicants at zero cost, which is why the bureau pull and Account Aggregator sit on step 8, behind it.