Holding an RBI-approved NBFC qualification, all loan processes comply with the Indian Digital Lending Guidelines. Your personal and financial information is stored using bank-grade encryption technology and is used solely for loan approval; it will never be disclosed to any third party. Please rest assured.
Personal microloans range from 5,000 to 500,000 rupees, with annual interest rates fluctuating between 12% and 18% depending on your credit score and loan term. Repayment terms are flexible, ranging from 3 to 36 months, allowing you to choose based on your repayment ability.
After submitting your documents online, the system will conduct a preliminary review in real time and provide the results within 24 hours. Once approved, you will sign an electronic contract and complete identity verification. Funds will then be transferred to your linked bank account within 24 hours.
If you anticipate being overdue, we recommend contacting our customer service one day in advance to apply for a grace period of up to 7 days, during which there will be no additional penalty interest. If the overdue payment exceeds the grace period, a penalty interest of 0.05% per day will be charged, and the overdue record will be uploaded to credit institutions such as CIBIL, which will affect future loan and credit card applications. Therefore, we suggest you try your best to repay on time.
Early repayment is supported with no penalty fees.
It's very simple; all you need to do is be an Indian citizen and fill out a form for back-end review.
Of course! We understand that not everyone has a traditional credit history. We use advanced technology to assess your credit using alternative data such as your bank transaction records. Our goal is to serve customers like you who are often overlooked by traditional banks.
We offer several convenient repayment methods: We will automatically deduct the amount from your linked bank account on the repayment date, which is the most hassle-free option. You can transfer funds to our designated UPI ID through any UPI application. You can also transfer funds directly through online banking.
Absolutely secure. We use bank-grade encryption to protect all your data. Your Aadhaar and PAN information are used only for legal KYC verification. We will never sell your data to third parties for marketing purposes without your explicit consent.
There will be some impact. We mainly rely on the company's backend algorithm to determine loan amounts and interest rates, and it can generally handle most of them.
We offer a grace period, but we will strive to resolve the issue as soon as possible. We respect our customers and will not resort to violent debt collection tactics, but we will remind you to make payments via phone or text message.
We belong to Votiko, a company with proper licenses and strict regulations, so you can use our services with confidence. We are committed to helping everyone overcome financial difficulties.
It won't affect anything, as long as your score is high enough.
The core information to be filled in the form includes personal basic information , bank account information , and some identity-related information.
In addition to filling out the form, you need to submit a photo of your Aadhaar card and work identification; no other documents are required.
There is no clear time limit for filling out the form sent after adding WhatsApp, and you can arrange the filling flexibly according to your own situation; however, it is recommended to submit the form within 72 hours after receiving it to avoid form invalidation due to system information updates and affect the review progress.
In most cases, the system will automatically complete the verification using data such as bank statements and identity information, without the need for telephone verification; only when the system has doubts about some information will customer service personnel contact you via the mobile phone number you provided to verify.
No additional APP needs to be downloaded for electronic contract signing, which can be completed in WhatsApp; we will send a message with a signing link, click the link and complete the electronic signature according to the prompts.
There is no fixed credit score threshold for the maximum loan amount. The system will comprehensively evaluate factors such as credit score, bank transaction stability, and past repayment history to calculate the maximum loan amount.
With the same credit score, the loan term is positively correlated with the annual interest rate. Usually, the longer the term, the slightly higher the annual interest rate.
The approved limit has a 60-day validity period. If no loan disbursement application is initiated within 60 days, the limit will automatically become invalid; if you need to use it, you need to resubmit the form for a second review. The second review usually simplifies the process and the review speed is faster.
If the first loan is repaid on time and in full, and there are no other bad credit records during the period, the limit will usually be increased by 10%-30% and the annual interest rate will be reduced by 1%-3% when applying next time; the system will take the first repayment record as an important evaluation basis to optimize your credit rating.
The automatic deduction time is 10:00 a.m. and 4:00 p.m. on the repayment date, twice in total; if the balance is insufficient for the first deduction, the system will make a second deduction at 4:00 p.m.; if the second deduction still fails, a text message reminder will be sent, and you need to repay manually through UPI or online banking before 24:00 on the same day to avoid overdue.
When repaying via UPI transfer, you must note "loan contract number + name". The contract number can be found in the electronic contract or WhatsApp message records; if no note is made or the note information is incomplete, the repayment may not be credited in time and affect the repayment record. It is recommended to take a screenshot and save it after making the note for verification.
Both partial early repayment and full early repayment are supported; for example, if you borrow 50,000 rupees, you can choose to repay 20,000 rupees first, and the remaining 30,000 rupees will still be executed according to the original repayment plan, and the interest will be recalculated based on the remaining principal; partial early repayment does not require application, just transfer the money and note "partial early repayment + contract number".
After successful repayment, a receipt will be sent within 10 minutes via three channels: WhatsApp message, SMS, and email. If you do not receive it, you can contact customer service via WhatsApp to have it resent.
You will need to provide customer service with photos of the front and back of your new bank card and your bank account information via WhatsApp. Customer service will complete the bank card change within 24 hours and send a confirmation message after the change. Subsequent repayments and refunds will be automatically transferred to the new card.
After the overdue period exceeds the grace period, only a penalty interest of 0.05% per day is charged, and there are no other additional fees.
In addition to the grace period, you can apply for "repayment plan adjustment", which includes two options: one is deferred repayment (postponing the current repayment for 1-3 months, no additional penalty interest is charged during the deferment period, and interest is calculated only at the original interest rate); the second is to reduce the monthly payment (extend the repayment period, reduce the monthly repayment amount, and the total interest will increase slightly); you need to submit relevant certificates (such as hospital diagnosis certificate, unemployment certificate) to the customer service 7 days before the repayment date, and the adjustment can be made after approval.
You can submit the application first and use the PAN card to complete the preliminary identity verification to obtain temporary review qualification; however, you must supplement the Aadhaar card information before the final loan disbursement.
Applying is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. Securely connect your bank information so we can assess your business without long forms, waiting in line or having to dig up old paperwork. Your association with business services who we have partnered with helps get you more fitting loans.
When asked, most business owners shared that access to capital is the single biggest roadblock to growing their businesses. With more cash flow, these businesses can hire new employees, purchase more inventory, take more orders, upgrade equipment and boost their marketing efforts.