વારંવાર પૂછાતા પ્રશ્નો

How long does an application take?

The application is one short form on your phone, and an indicative decision appears on screen once the free policy checks complete. Digital verification runs after that, and approved loans are disbursed once the agreement is signed.

Is any documentation required?

In the normal path, none. Verification runs digitally against your PAN and Aadhaar with your consent, so there is nothing to photocopy, scan, sign or courier. Payslips are asked for only where a bank read cannot confirm income.

Who can apply?

Indian residents at least 18 years old with a regular, verifiable income — salaried or self-employed — an active mobile number linked to Aadhaar, a valid PAN and a bank account in their own name.

Does the loan purpose change my charges?

No. Purpose helps us size the offer sensibly and set a repayment date that fits your income cycle. Your charges depend on the approved amount and are itemised in your Key Fact Statement.

What charges apply?

Every applicable fee and tax is itemised in your Key Fact Statement before you accept, along with the total repayable and your repayment date. Nothing is added later.

How do I repay?

From any UPI app, net banking, debit card or NEFT, through the app or this site. Receipts are instant and you can prepay in full at any time without penalty.

What happens if I repay late?

Late repayment increases your total cost of credit through the charges set out in your agreement and may be reported to credit bureaus, affecting future borrowing. Contact support before your due date if you expect difficulty.

Can I cancel after taking the loan?

Yes. Within three days of disbursal you can exit at zero penalty, repaying the principal plus only the interest proportionate to the days used.

કાગળિયાં વગરની લોન

No documentation, disbursal to your own bank account, and every charge disclosed in your Key Fact Statement before you accept.