How it works
Paperless to apply, no documentation, and disbursal to an account in your own name once your agreement is signed.
Step one — apply online
One short form on your phone: who you are, what you earn, how much you need and what for. That is the whole application. No file uploads, no branch visit, and no form to print.
Step two — verified digitally
Your identity is confirmed against PAN through NSDL and Aadhaar through DigiLocker, with your consent, followed by a quick selfie check. Income is read from your salary account through the Account Aggregator framework, read-only, or from payslips if you are paid in cash.
Step three — your offer, in full
Your Key Fact Statement states the approved amount, every applicable charge, the total repayable and the exact repayment date. You read it before you sign anything, and nothing is added afterwards.
Step four — disbursal to your bank
Accept and e-Sign, and the amount is transferred to a bank account in your own name. Crediting time depends on your bank. Your signed agreement and repayment schedule arrive by email and stay in your account on this site.
Step five — one repayment
A single repayment on a date you already know, with reminders beforehand and auto-debit if you set it up. Prepay in full any day at no penalty, or exit within three days of disbursal at zero cost.
Do I need to visit a branch or courier anything?
No. There is no branch, and in the normal path there is nothing to upload — verification runs against your PAN and Aadhaar with your consent, and income is read through the Account Aggregator framework.
Can I track where my application is?
Yes. Every stage — verification, offer, agreement, disbursal — is shown on screen as it happens, and the documents you sign arrive by email and stay available in your account on this site.