How it works
From eligibility check to money in your account, step by step.
- 1
Check eligibility
Amount, type of work, PIN code and rough monthly income. No credit check.
- 2
Sign in with your mobile
We send a one-time password. Your progress is saved if you stop halfway.
- 3
Verify your identity
Aadhaar OTP or DigiLocker, a PAN check and a quick selfie. We keep only the last four Aadhaar digits.
- 4
Give consent
Approve a one-time fetch of 12 months of bank statements in your Account Aggregator app, and a credit report check.
- 5
Get a decision
Most applicants get an answer right away. If we say no, we tell you why in plain words.
- 6
Review and sign
See the amount, EMI, interest, processing fee and every charge in the Key Fact Statement, then e-sign with Aadhaar.
- 7
Set up AutoPay
We verify your bank account with a Rs 1 deposit, then set up monthly EMIs by e-NACH or UPI AutoPay.
- 8
Receive the money
Our lending partner pays directly into your verified bank account.
- 9
Repay monthly
Equal EMIs over 6, 9 or 12 months. You can prepay or exit during the cooling-off period.
Your data
- What we use
- Bank statements through the Account Aggregator, your credit report, and your KYC details.
- Why
- Steady UPI receipts and platform payouts show how reliably you earn, even with a thin credit history.
- What we never use
- Your contacts, photos, files, SMS, religion, caste or gender.
- Where it is stored
- On servers in India, encrypted.