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Bank account verified via penny-drop
256-bit Secure
  1. 1✓ Details
  2. 2✓ Verify
  3. 3✓ Income
  4. 4✓ Offer
  5. 5✓ KYC & Sign
  6. 6✓ Payout
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STEP · LOCATION ACCESS

Allow location access

As per RBI digital lending guidelines, we capture your location once at the time of application. It is never tracked in the background.

  • Serviceability check — confirms lending partners operate in your state.
  • Fraud prevention — one-time capture protects your application.
✓
Location captured
Couldn't confirm your location.
STEP · BASIC DETAILS

Tell us about yourself

Needed for your credit bureau check. Verified instantly — no upload.

+91

Should be linked to your Aadhaar for e-KYC and eSign.

Couldn't verify your details.
STEP · REFERENCES

Add your references

Share contact details of at least 2 people who know you well. We only reach out to them if we're unable to contact you.

Reference 1
+91
Reference 2
+91

You can add up to 5 references.

Couldn't save your references.
STEP · VERIFY MOBILE

Enter the OTP

Sent to +91 7984215141. Edit number

Couldn't verify that OTP.

Didn't get it? Resend OTP

STEP · EMPLOYMENT DETAILS

Your work & income

₹

Net amount credited to your bank every month.

₹

How much would you like to borrow? Your final offer may adjust this based on eligibility.

Couldn't verify your employment details.
STEP · INCOME VERIFICATION

Connect your bank securely

We use the RBI-regulated Account Aggregator framework to read your last 6 months' bank statements. Read-only, consent-based — we never see your login credentials.

STEP · INCOME VERIFICATION

Connect your bank securely

We use the RBI-regulated Account Aggregator framework to read your last 6 months' bank statements. Read-only, consent-based — we never see your login credentials.

✓
Income verified
Avg monthly credit ₹55,000 · 1 account · 6 months analysed
STEP · LIVENESS CHECK

Quick face verification

Allow camera access and hold your face in the frame for a few seconds. This confirms you're a real person applying, not a bot or a photo.

Couldn't complete the liveness check.
Waiting for liveness verification — complete it in the window that opened…

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STEP · LIVENESS VERIFIED

You're verified!

Your liveness and face-match check passed successfully.

✓Liveness check passed
Match confidence—
StatusVerified ✓
Captured verification photo
STEP · CREDIT ASSESSMENT

Checking your eligibility

Our Business Rule Engine is evaluating your profile. This takes under a minute — please don't close this window.

  • Credit bureau check
    CIBIL score & repayment history
✓CIBIL report fetched
CIBIL score—
Eligible limit—
⬇ Download CIBIL Report (PDF)
Couldn't fetch your credit report.
STEP · YOU'RE APPROVED

Congratulations, Himanshu!

Your application has been approved. Our team will review the final details and get in touch with you soon.

⏱

We're verifying your details

You've accepted an offer of ₹12,000. Since the amount is above ₹10,000, our credit team does a quick manual verification first. Once approved — within 24 hours — we'll notify you by SMS and email to complete KYC and signing. Nothing is signed yet, so there's no obligation on you while we review.

Application IDIP-2026-999893
StatusUnder review
  • ✓Offer accepted — ₹12,000, repay 1 Sept 2026
  • Manual verification in progress
  • KYC, e-Mandate & eSign
  • Disbursal
STEP · KYC VIA DIGILOCKER

Complete your KYC

We fetch your Aadhaar-verified identity from DigiLocker (Govt. of India). No photos or uploads needed — it takes about 30 seconds.

Couldn't complete KYC.
Waiting for DigiLocker verification — complete it in the window that opened…

Didn't see a new window? Open DigiLocker verification

STEP · KYC VIA DIGILOCKER

Complete your KYC

We fetch your Aadhaar-verified identity from DigiLocker (Govt. of India). No photos or uploads needed — it takes about 30 seconds.

✓e-KYC fetched from DigiLocker
NameHimanshu
AadhaarXXXX XXXX 9123
StatusVerified ✓
STEP · AUTO-REPAY SETUP

Set up e-Mandate

A one-time auto-debit of ₹12,156 will be presented on your salary date, 1 Sept 2026. Disbursal happens to the same account after a penny-drop name match.

STEP · AUTO-REPAY SETUP

Set up e-Mandate

A one-time auto-debit of ₹12,156 will be presented on your salary date, 1 Sept 2026. Disbursal happens to the same account after a penny-drop name match.

✓
Bank account verified
Himanshu · penny-drop · RRN SIM8357316797202
STEP · SIGN AGREEMENT

Review & eSign

Sign your loan agreement digitally with Aadhaar OTP. Legally valid under the IT Act, 2000.

KEY FACT STATEMENT (KFS)
Loan amount₹12,000
Net amount credited₹11,717
Total repayable (one payment)₹12,156
Repayment date1 Sept 2026
APR (all charges included)68%
Repay accountSBI ····5263

Enter the OTP sent to your Aadhaar-linked mobile number.

✓

₹12,000 is on its way!

Your loan has been sanctioned and disbursal has been initiated to your SBI account ····5263. Funds typically arrive within 10 minutes.

UTR NumberIMPS27694044945
Repayment date1 Sept 2026
Total repayable (one payment)₹12,156
✓

Thank you, there!

Your loan is all set. Here's what happens next:

  • Confirmation sent — check your email and SMS for your loan agreement and receipt.
  • Funds credited — usually within 10 minutes of disbursal.
  • Repayment reminder — we'll notify you a few days before your salary date.
Application ID—
Amount disbursed—
Repayment date—

This device will start a new application in 10s for the next applicant.

InstaPaise is a loan facilitation platform of Junoon Capital Services Pvt Ltd. All loans are underwritten and disbursed by RBI-registered NBFC/Bank partners, subject to their credit policy.