• Q. Am I eligible to apply for a loan?
  Eligibility depends on your income, age, credit score, employment status, and existing liabilities. You can check your eligibility online through our easy eligibility calculator.
  
  
• Q. What is the minimum income required for a loan?
  The minimum income required varies based on the type of loan. For salaried applicants, it usually starts from ₹15,000/month.
  
  
• Q. Do I need a good credit score?
  Yes. A credit score of 700+ improves your chances of loan approval and better interest rates.

• Q. How can I apply for a loan?
  You can apply online through our website or visit your nearest branch. Fill in your basic details and upload your documents — it’s quick and hassle-free!

  Q. What documents are required?
  You’ll typically need:

  • Identity Proof (Aadhaar/PAN/Voter ID)

  • Address Proof

  • Income Proof (Salary slips/ITR)

  • Bank Statements

  Q. Can I add a co-applicant?
  Yes. Adding a co-applicant (spouse or parent) can increase your eligibility and loan amount.

Q. What are the interest rates offered?
We offer competitive interest rates based on your credit profile, income, and loan type. Use our loan calculator to get an estimate.

Q. Are the interest rates fixed or floating?
We offer both fixed and floating interest rates. You can choose based on your financial goals.

Q. Are there any processing or hidden charges?
There is a one-time processing fee. All charges are clearly mentioned upfront — no hidden costs.

Q. What loan tenures are available?
Loan tenure ranges from 12 months to 30 years, depending on the loan type.

Q. How is EMI calculated?
Your EMI is based on the principal amount, interest rate, and tenure. Use our EMI Calculator to estimate your monthly payments.

Q. Can I change my EMI date or amount later?
You can request changes based on your repayment capacity, subject to approval.

Q. How long does it take to disburse the loan?
Once your application is approved and documentation is complete, disbursal is usually done within 24-72 hours.

Q. Where will the loan amount be credited?
The amount will be directly credited to your bank account or paid to the seller/vendor, depending on the loan type.

Q. Can I repay the loan early?
Yes, early repayment (prepayment or foreclosure) is allowed. Some loans may have a small charge for this.

Q. Can I make partial payments?
Yes, you can make part payments to reduce your loan balance, which will reduce your interest outgo.

Q. Why was my loan application rejected?
Common reasons include a low credit score, insufficient income, or inaccurate documents. We recommend checking your CIBIL score and eligibility before applying.

Q. Can I reapply?
Yes, you can reapply after addressing the reason for rejection. Our support team can help guide you.

Q. Is loan insurance mandatory?
It is optional but highly recommended for loan protection in case of unforeseen events like death, disability, or critical illness.

Q. What does loan protection cover?
It covers outstanding loan repayment in case of unfortunate events, ensuring your family isn’t burdened.

Q. Can I transfer my existing loan to your company?
Absolutely! We offer Balance Transfer options at lower interest rates. You can also avail of a Top-Up Loan on your existing loan.

Q. What documents are needed for balance transfer?
We require your loan statement, foreclosure letter, repayment history, and basic KYC documents.

Q. How can I track my loan application?
You can track your loan status online using your application ID or contact our customer service team.

Q. Will I get a statement of loan repayment?
Yes, you’ll receive periodic statements. You can also download them from your online loan account.

Q. What is a loan NOC?
A No Objection Certificate (NOC) is issued once your loan is fully repaid. It serves as proof that your liability is closed.