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Eligibility: Only for salaried persons

Eligibility: Only for salaried persons with minimum salary of 35000 per month.

Loan Application



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Rates & Charges

Transparent pricing with no hidden fees

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Minimum Loan

₹ 5,000

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Maximum Loan

₹ 1,00,000

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Tenure

07 Days - 180 Days

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Processing Fee

Up to 10% of Loan Amount

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Pre-closure

No Charges

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Interest Rate

Up to 1% Per Day

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APR

18% - 35%

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Cheque Bounce

₹ 1000

Rates, Fees & APR

Transparent pricing with no hidden charges

Annual Percentage Rate (APR) depends on your credit score, loan amount and income profile. Customers with a higher CIBIL score may receive better interest terms.

APR represents the total borrowing cost including interest, processing fees and other charges. This helps customers compare loan offers easily.

Fixed APR

33.6%

Per Year

Loan Example

Tenure
12 Months
Loan Amount
₹1,00,000
Interest Rate
2%
Admin Fees
₹1000
Amount Deposited
₹99,000
Total Interest
₹13,472

Eligibility & Required Documents

Simple criteria and documents to apply for Instant Paise loan

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Eligibility Criteria

  • Indian Resident
  • Salaried Employee
  • Above 21 Years of Age
  • Savings Bank Account Holder
  • Fair CIBIL Score
  • Valid Documents
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Documents Required

  • Completed Personal Loan Application Form
  • PAN Card
  • Address Proof – Passport / Driving Licence / Voter ID
  • Utility Bills – Electricity / Water / Gas
  • Bank Statements of Last 3 Months
  • Salary Slips of Last 6 Months
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Important Notice: Instant Paise is a digital lending platform. Loan approval is subject to eligibility and verification. Please beware of fraudulent calls or apps claiming to represent Instant Paise. We never ask for OTP, PIN or confidential banking details.