Products & Services

Personal Loan

Simple, transparent personal credit with an all-inclusive APR disclosed upfront — no hidden charges.

An everyday Indian individual achieving a personal goal made possible by accessible credit
Personal Loan

A flexible short-term personal loan

A short-tenor personal loan with a fully digital application via the NIRA platform. All terms, interest rates and fees are disclosed upfront.

  • Loan amount: [TO BE UPDATED: min–max]25
  • Tenor: up to 12 months [confirm]25
  • Repayment: equated monthly instalments (EMI) [confirm]25
  • Disbursal: within 24 hours of approval (operational commitment)
Rates & charges

Key features

  • 100% digital application via the NIRA platform
  • Transparent, all-inclusive pricing
  • No hidden charges; every fee disclosed in the Key Fact Statement
  • Short tenors, up to 12 months
  • Fair, non-coercive recovery per our Fair Practices Code

Eligibility 25

  • Resident Indian [confirm age band]
  • Minimum monthly income [TO BE UPDATED]
  • Valid KYC documents (as per RBI / CKYC norms)
  • Active bank account for disbursal and repayment
  • [Other eligibility criteria — TO BE UPDATED]