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पहला चरण — ऑनलाइन आवेदन

आपके फ़ोन पर एक छोटा फ़ॉर्म: आप कौन हैं, आप क्या कमाते हैं, आपको कितना चाहिए और किसलिए। बस इतना ही आवेदन है। कोई फ़ाइल अपलोड नहीं, कोई शाखा जाना नहीं, और कोई फ़ॉर्म छापना नहीं।

Step two — verified digitally

Your identity is confirmed against PAN through NSDL and Aadhaar through DigiLocker, with your consent, followed by a quick selfie check. Income is read from your salary account through the Account Aggregator framework, read-only, or from payslips if you are paid in cash.

Step three — your offer, in full

Your Key Fact Statement states the approved amount, every applicable charge, the total repayable and the exact repayment date. You read it before you sign anything, and nothing is added afterwards.

Step four — disbursal to your bank

Accept and e-Sign, and the amount is transferred to a bank account in your own name. Crediting time depends on your bank. Your signed agreement and repayment schedule arrive by email and stay in the app.

Step five — one repayment

A single repayment on a date you already know, with reminders beforehand and auto-debit if you set it up. Prepay in full any day at no penalty, or exit within three days of disbursal at zero cost.

बिना काग़ज़ी कार्रवाई का ऋण

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