Eligibility Criteria

Are you eligible?

Simple, transparent criteria. If you tick the boxes below, you're ready to apply. Our AI is flexible enough to say yes even to new-to-credit applicants.

Check eligibility now

Minimum criteria

All 7 boxes below = you can apply

Age

21 – 60 years

Citizenship

Indian resident

Monthly income

₹15,000 minimum

Employment

Salaried or self-employed

CIBIL score

650+ preferred · not mandatory

Documents

PAN + Aadhaar

Bank account

Active with income credits

Instant estimate

See how much you can borrow.

Adjust the sliders below — we'll show you an indicative maximum amount. No credit score hit, no data stored.

Monthly income₹35,000

₹15k₹2 L+

Employment

CIBIL score720

550850

Estimated eligibility

You may qualify for up to

₹1,10,000

Based on salaried income of ₹35,000 and CIBIL of 720. Final amount subject to verification.

You meet basic eligibility

Apply for this amount

Soft check · no credit score impact

Documents you need

Just three things.

No salary slips, no bank statements, no notary stamps. Everything is digital.

Required

Step 1

PAN card

Clear photo or DigiLocker pull — takes 5 seconds to verify via NSDL.

Required

Step 2

Aadhaar eKYC

OTP-based Aadhaar verification or DigiLocker — fully paperless.

Required

Step 3

Selfie with liveness

A quick live photo to match your Aadhaar — 3 seconds with face mesh detection.

All verifications happen on-device or in our India DC — no data leaves the country.

Eligibility questions

All FAQs

Yes. Our AI scores 500+ alternative signals — UPI patterns, device data, employment verification — giving new-to-credit applicants a fair shot at getting their first loan.

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