Instant personal loan, decided in minutes
A short-term loan for salaried professionals who need money today, not next week. Fully online, no collateral, with every rupee of cost shown before you accept.
- ₹10,000 – ₹1,00,000
- 7–40 day tenure
- Decision in ~10 minutes
- No prepayment charges
Price your instant loan
Move the sliders. Every cost updates live.
- Interest (1%/day)
- ₹6,000
- Processing fee + GST
- ₹2,360
- You receive in bank
- ₹17,640
- Due date
- in 30 days
What is an instant personal loan?
Most instant loans are fast but vague about price. Ours is fast and specific. You see the interest, processing fee, GST, the amount that will land in your bank and the APR before you e-sign anything.
Applications are checked automatically against your PAN, Aadhaar, bank statement and credit report. If everything matches, a decision comes back in about 10 minutes and the money is sent to your salary account the same day.
Instant Personal Loan at a glance
The same transparent pricing applies to every product.
How the instant loan works
- Step 1
Confirm your number
A one-time code checks it’s really you. Then add your salary and employer name.
~1 min - Step 2
Prove it’s you, digitally
Aadhaar eKYC, a quick live selfie, and three months of salary credits shared through Account Aggregator.
~3 min - Step 3
Read the KFS, then sign
Your Key Fact Statement lists the rupee cost, APR and due date. Happy with it? E-sign in one tap.
Decision ~10 min - Step 4
Funds land, payday settles it
The lender pays into your salary account. On payday, one UPI payment or auto-debit closes the loan.
Same day
Do you qualify?
Who can apply
- Indian resident, 21–55 yearsWith a valid PAN and Aadhaar
- Salaried, full-timePrivate company, PSU or government. Self-employed not yet supported.
- Net salary ₹25,000+ per monthCredited to your bank account, not paid in cash
- Serviceable pincodeMajor metros and Tier 1–2 cities. We'll confirm at sign-up.
What to have on hand
- PAN cardVerified instantly, no upload needed
- Aadhaar-linked mobileFor paperless eKYC by OTP
- 3 months' salary statementFetched securely via Account Aggregator, or a PDF upload
- A live selfieTaken in the browser, for your security
Instant Personal Loan FAQs
How instant is an instant personal loan?
For complete applications with matching KYC, most decisions arrive in about 10 minutes during working hours. Disbursal follows the same day once you e-sign the loan agreement.
Do I need to visit a branch or courier documents?
No. Everything happens on your phone: Aadhaar OTP for eKYC, a live selfie, and a bank statement fetched through Account Aggregator or uploaded as a PDF.
Can I get an instant loan with no credit history?
Yes. First-time borrowers can apply. We assess your salary credits and banking behaviour along with any bureau history.
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