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Everything you need before you apply.
Check that you are eligible, keep these documents ready, and understand what a short-term loan involves. It makes your application faster and your decision better.
Who can apply
- You are an Indian resident.
- You are a salaried employee aged 21 to 56.
- Your net monthly salary is ₹30,000 or more, credited to your bank account.
- You hold a savings bank account in your own name.
- You have the documents listed below.
Documents to keep ready
01Identity proofPAN card and Aadhaar card. Both are mandatory.
02Address proofAny one of: Aadhaar, passport, voter ID, driving licence, or a recent electricity, water, gas, post-paid or landline bill.
03Income proofSalary slips for the last 3 months and the last 3 months’ statement of the bank account your salary is credited to.
04PhotographA recent, clear photograph against a plain light background. You can take a selfie during the application.
05Bank detailsThe account number and IFSC of your salary account, where the loan is paid and EMIs are collected.
06Employment detailsYour employer’s name and your official email address, which help us verify your employment quickly.
Things to consider
Higher interest than long-term loansShort-term personal loans cost more per year than secured, long-tenure loans such as home or vehicle loans. Borrow only what you need and check the total cost in our EMI calculator.
For salaried residents onlyLoans are available to Indian residents in salaried employment with a monthly salary of ₹30,000 or more.
Repay on timeLate payments attract charges and are reported to credit bureaus, which can lower your credit score. Talk to us early if you expect a problem.
How to apply
- 01Application formYour personal details and how much you want to borrow.
- 02DocumentationVerify identity with DigiLocker or Aadhaar OTP and share your bank statements.
- 03Review your offerSee your amount, rate, fees and APR in the Key Fact Statement.
- 04Receive fundsE-sign, set up e-NACH, and the money is sent to your bank account.