- 1✓ Details
- 2✓ Verify
- 3✓ Income
- 4✓ Offer
- 5✓ KYC & Sign
- 6✓ Payout
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.
Tell us about yourself
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.
Your work & income
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.
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.
Checking your eligibility
Our Business Rule Engine is evaluating your profile. This takes under a minute — please don't close this window.
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Credit bureau checkCIBIL score & repayment history
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Banking analysisIncome pattern from AA statements
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Policy rules (BRE)Lender eligibility criteria
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Final decisionOffer generation
Congratulations, Himanshu!
You're approved for up to ₹23,000. Repay once, in full, on your upcoming salary date — no EMIs.
One repayment will be collected on this date. We cross-verify it against your salary credits from the bank statement.
68%
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.
- Offer accepted — ₹12,000, repay 1 Sept 2026
- Manual verification in progress
- KYC, e-Mandate & eSign
- Disbursal
Complete your KYC
We fetch your Aadhaar-verified identity from DigiLocker (Govt. of India). No photos or uploads needed — it takes about 30 seconds.
Complete your KYC
We fetch your Aadhaar-verified identity from DigiLocker (Govt. of India). No photos or uploads needed — it takes about 30 seconds.
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.
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.
Review & eSign
Sign your loan agreement digitally with Aadhaar OTP. Legally valid under the IT Act, 2000.
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.