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How it works

What happens ateach step.

Every step is shown in your application with its status. You can leave and resume from where you stopped, on the web or in the app.

Check eligibilityApply with an agent

The journey

Four steps. No surprises.

You can stop at any step and come back later. Nothing is final until you accept the offer and sign.

  1. 01
    About two minutes

    Check eligibility

    Verify your mobile and PAN and tell us a little about yourself. Takes about two minutes.

  2. 02
    With your consent

    Complete your application

    Consent to a credit check and bank statement review, upload the few documents needed, add your bank account.

  3. 03
    Read before you accept

    Review your offer

    See the amount, EMI, interest, fees and total repayment. Read the Key Fact Statement. Nothing is final until you accept.

  4. 04
    If approved

    Sign and receive funds

    eSign the agreement and set up EMI auto-debit. If approved, the money is transferred to your bank account.

What happens at each step

Step by step

Some applications skip steps (for example, repeat customers with a verified bank account), and some add a field verification. Your application always shows the exact list of steps for your loan.

A typical application

Example

Step 1 of 9

Step 1 of 9: Mobile & OTP

Documents

What you'll need

Full eligibility details

  • PAN card

    Verified digitally; you only enter the number.

  • Aadhaar

    Digital KYC through DigiLocker or video KYC.

  • Bank statement

    Fetched with your consent via Account Aggregator, or upload a PDF.

  • Income proof

    Salary slips or bank credits, only where your application needs it.

At your pace

You can stop at any step and come back later.

Nothing is final until you accept the offer and sign.

  • Saved as you go, on the web or in the app.
  • Withdraw an application at any time before you sign.
  • Log in with your mobile number to see the current stage.

See what you qualify for.

Checking eligibility takes about two minutes and does not commit you to anything.

Check eligibilityApply online, one question per screen.Apply with an agentThe same digital application, with someone by your side.