Apply for a Personal Loan Online

AdvanceRupay

Restoring your session

A brand of MD Finlabs Private Limited, a Lending Service Provider. Loans are disbursed by Salora Capital Limited, an RBI-registered NBFC.

Your mobile number

We send a one-time password to confirm it is you. Use the number linked to your Aadhaar.

Mobile number

+91

I agree to the terms of use and privacy policy.

Verifying your OTP

Sent to +91 98765 43210. The app reads the SMS for you — no typing needed.

{{ b.char }}

Auto-read from SMS · verifying

If the OTP fails

Resend up to three times, then an IVR call fallback, then a 30-minute lock.

Dedupe on mobile runs here. A returning customer is routed to the reloan path instead of a fresh application.

Your PAN

We pull your name and date of birth from NSDL. Your PAN is tokenised — the raw number is never stored.

PAN number

Fetched from NSDL

NamePRIYA NAIR

Date of birth14/08/1994

Second dedupe runs here, on PAN, alongside a CKYC search that can pre-fill your KYC.

Confirm it is you

Aadhaar KYC from DigiLocker, then a live selfie to match the photo. We keep a masked reference — never your full Aadhaar number.

✓ DigiLocker eKYC Name, address and masked Aadhaar fetched

◉ Liveness & face match Blink detection, then scored against your Aadhaar photo

How much, and what for?

Amount needed ₹{{ amountLabel }}

₹5,000₹30,000

Loan purpose

I consent to AdvanceRupay fetching my credit bureau report to assess this application.

Your income

Employment type

{{ employerLabel }} Monthly income (₹) How are you paid?

Paid in cash

There is no salary credit for an Account Aggregator to confirm, so screen 8 asks for three payslips plus employer verification instead.

Last few details

Residence type Address

City PIN code

Free pre-filter on submit

Age, PIN serviceability, income floor, geo versus PIN and dedupe all run at zero cost. Fail here and no paid API is ever called.

Verify your income

Account Aggregator

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.

✓Consent declined at the bank → retry, or switch to payslips

✓Bank unreachable → one auto-retry, then payslips

✓No steady salary found → payslips pre-selected

Payslip fallback · four checks

Consistency — same employer and PAN across all three, matching what you declared

Arithmetic — gross minus deductions must equal net; variance over 25% is flagged

File forensics — edited after issue, missing text layer, or an editor in the producer field

Re-use — the document hash has been seen on another application

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.

payslip-may.pdfChecked

payslip-june.pdfChecked

Add July payslip+

◷

Under review

An underwriter is looking at your application personally. We will notify you within 24–48 hours — there is nothing more to do right now.

ApplicationARP-000123

StatusReferred

Response by2 Aug 2026

The app pushes a notification the moment the decision lands — no need to keep checking.

We cannot approve this

Not a judgement on you — our current policy simply does not fit your profile today. Here is exactly why.

Reason

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.

You can apply again after 7 August 2026. If your income or employment changes before then, write to support.

Approved

Your offer

Take how much? ₹{{ amountLabel }}

₹5,000₹30,000 approved

Your quote {{ sourceLabel }}

Tenure{{ qTenure }} days · single repayment

Interest (1% per day)₹{{ qInterest }}

Processing fee + GST₹{{ qFee }} + ₹{{ qGst }}

Credited to you₹{{ qNet }}

Total repayable₹{{ qTotal }}

APR{{ qApr }}% p.a.

Due date{{ qDue }}

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.

Where should the money go?

The account must be in your own name. We send ₹1 to confirm the name matches, and refund it immediately.

Account number IFSC

Name match

PRIYA NAIR — matches your PAN. HDFC Bank ••4821.

Penny drop failed? A name mismatch or invalid account means re-entering it or adding a different account — the application stays alive.

Set up auto-debit

An NPCI e-mandate lets us collect the single repayment on your due date. You can still pay manually before that date.

AccountHDFC ••4821

Collect on30 Aug 2026

FrequencyOnce — not recurring

If the mandate is declined

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.

Key Fact Statement

Read this before you sign. It is the complete, final price of your loan — nothing is added afterwards.

Sanctioned amount₹{{ amountLabel }}

Interest ({{ qTenure }} days)₹{{ qInterest }}

Processing fee₹{{ qFee }}

GST on fee (18%)₹{{ qGst }}

Net disbursed₹{{ qNet }}

Total repayable₹{{ qTotal }}

APR{{ qApr }}% p.a.

Due date{{ qDue }}

Penal charge{{ qPenal }}% per day on overdue principal

Mandate bounce₹{{ qBounce }} + GST

Cooling-off{{ qCooling }} days, no penalty

I have read the Key Fact Statement and the loan agreement, and I accept them.

Lender: Salora Capital Limited, RBI-registered NBFC (CIN U72900MH1999PLC122849). Platform: AdvanceRupay, a brand of MD Finlabs Private Limited, acting as a Lending Service Provider for sourcing, servicing and collections — it does not lend on its own account, and disbursal and repayment flow directly between you and the lender.
{{ lmsRefs }}

✓

₹{{ amountLabel }} on its way

Credited to HDFC ••4821. Crediting time depends on your bank. Your signed agreement and repayment schedule are in the app and your email.

Loan IDARP-000123

UTRHDFCN2607504821

Repay by30 Aug 2026

Changed your mind? Exit within 3 days at zero penalty — repay the principal plus only the interest proportionate to the days used.

Repay your loan

Due on 30 Aug 2026

₹{{ amountLabel }} + charges

One payment. Auto-debit is set up, so this clears itself unless you pay earlier.

Your payment is recorded only when the gateway sends a signed webhook. Reminders, auto-debit and closure all run server-side.

Welcome back

Registered mobile number

+91

Previous loan ID

{{ b.char }}

OTP auto-read · verifying

Last loan CLOSED

Loan IDARP-000123

Repaid on30 Jun 2026

Eligible to reborrowYes — 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.

An open or overdue loan blocks a new one. Dedupe checks this before anything else, so a second loan can never stack on an unpaid first.

Pre-approved

Confirm and get your money

Pick the amount, read the Key Facts Statement, accept — and the transfer goes out on the same screen. No forms, no queue.

Amount ₹{{ amountLabel }}

₹5,000₹30,000 pre-approved

Key Facts Statement {{ sourceLabel }}

Interest ({{ qTenure }} days)₹{{ qInterest }}

Processing fee + GST₹{{ qFee }} + ₹{{ qGst }}

APR{{ qApr }}% p.a.

Credited to HDFC ••4821₹{{ qNet }}

Repay by {{ qDue }}₹{{ qTotal }}

Auto-debit mandateExisting · no new charge

I have read the Key Facts Statement and accept the loan agreement. I understand the money will be transferred immediately.

Accepting e-Signs a fresh agreement against your existing KYC. Lender: Salora Capital Limited, RBI-registered NBFC.

✓

₹{{ amountLabel }} disbursed

Straight to HDFC ••4821, the same account as last time. Start to finish in under a minute.

Loan IDARP-000456

Paid APIs used2 of 7

Repay by30 Sep 2026

A reloan costs us roughly ₹4–5 in API calls against ₹60–100 for a first-time applicant — which is why repeat borrowers get the fastest path in the product.

PN Priya Nair +91 98765 43210 Drawer

Loan closed

ARP-000123 is fully repaid. Your No Objection Certificate was issued automatically on the final payment.