Instant Loan Application | FINSCARE - RBI Registered NBFC Partner

Step 1 of 6 1. Mobile & OTP Verification

Mobile & OTP

Personal & PAN

Work & Income

Address & PIN

Bank & IFSC

KYC & Sanction

Get Started with Instant Loan

Enter your mobile number to check pre-approved loan eligibility in 10 minutes.

Required Loan Amount Pre-Approved Limit

₹

Est. EMI: ~₹13,950 / mo

₹1 Lakh (Min) ₹5 Lakh ₹10 Lakh (Max)

Loan Tenure (Repayment Duration) Starting from 10.5% p.a.

Selected Repayment Tenure: 12 Months (1.0 Year)

Flexible Repayment

3 Months (Min) 36 Months (3 Yrs) 60 Months (5 Yrs Max)

Monthly EMI ₹13,224

Interest Rate 10.50% p.a.

Total Interest ₹8,688

Total Repayable ₹1,58,688

Mobile Number (Aadhaar Linked)

+91

An instant verification OTP will be sent to this number.

Purpose of Loan

I agree to the Terms of Use & Privacy Policy, and consent to FINSCARE and its RBI-registered lending partners fetching credit bureau records.

Home

Personal & Identity Details

Please enter your exact name and PAN details as registered on your official government documents.

Full Name (As per PAN Card) *

PAN Card Number *

10-character alphanumeric PAN registered with NSDL/UTI.

Date of Birth (As per PAN) * Min 18 Yrs

DD (Day)

MM (Month)

YYYY (Year)

Gender *

Personal Email Address *

Marital Status

Employment & Income Details

Share your job details to calculate maximum sanctioned credit limit.

Employment Type *

Employer / Company / Business Name *

Monthly In-Hand Income (₹) *

Net salary received in bank each month.

Mode of Salary Credit *

Total Work Experience

Current Residential Address

Enter your 6-digit PIN code. City, District, and State details will be automatically verified through India Post.

Flat / House No., Building Name & Street *

6-Digit PIN Code (Auto-Lookup) *

Type 6 digits. City, District, and Post Office will appear automatically below.

Post Office / Locality

City / District *

State *

Residence Ownership Type

Bank Account for Loan Disbursal

Approved funds will be transferred directly to this account via IMPS/NEFT within 10 minutes.

Bank Account Number *

Confirm Bank Account Number *

11-Character IFSC Code (Auto-Lookup) *

Bank Name and Branch details will automatically verify when you enter 11 characters.

Bank Name *

Branch Name *

Account Type

e-NACH

Monthly EMI Auto-Debit Setup (e-Mandate)

NPCI & RBI Regulated

Specify your authorized bank account and preferred date for automatic monthly EMI repayment.

Auto-debit monthly EMI from the disbursal bank account entered above

Repayment Account: Pending Input | Bank: Pending IFSC

Preferred EMI Debit Date

e-Mandate Authorization Mode

e-Mandate is activated only after loan disbursal. Debits occur only once a month for the exact EMI amount.

TransUnion CIBIL Experian CRIF High Mark Equifax RBI Authorized Underwriting

We Are Fetching Your Details & Checking CIBIL Score

Please hold on while our automated underwriting algorithm connects to RBI-authorized credit bureaus to evaluate your repayment history and calculate your instant loan sanction limit.

Connecting to TransUnion CIBIL Bureau gateway (API v4.2)...

256-Bit Encrypted Bureau Tunnel Evaluating...

1. Secure 256-Bit Handshake with TransUnion CIBIL (API v4.2)

2. Pulling Experian, Equifax & CRIF High Mark Tradeline Records

3. Computing Real-Time Debt-to-Income (DTI) & Repayment Score

4. Applying RBI-NBFC Risk Rules & Credit Limit Assessment (-19% Cap)

5. Generating Approved Sanction Letter & Electronic Key Fact Statement

Digital KYC & Final Sanction Offer

Pre-Approved by Aadhar India Finvest

Congratulations! Complete your instant Aadhaar DigiLocker verification, live selfie, and digital e-sign to unlock your sanctioned funds.

SANCTION OFFER ALLOTTED Instant Disbursal Ready

CIBIL Underwriting Assessment Notice: You initially requested ~~₹ 1,50,000~~. Based on your credit bureau assessment, debt-to-income norms and chosen tenure, an approved sanctioned limit of ₹ 1,21,500 (19% credit-adjusted limit) has been sanctioned for immediate transfer.

Approved Sanctioned Amount:

₹ 1,21,500

Monthly EMI:

₹ 10,711 / mo

Tenure: 12 Months (1 Yr)

Interest Rate: 10.50% p.a.

Total Interest: ₹ 7,037

Total Repayable: ₹ 1,28,537

Borrower: Applicant Credit Account: Bank (A/C: ...9281)

I Accept the Approved Sanction Limit of ₹ 1,21,500 and agree to complete digital verification below.

UIDAI Aadhaar DigiLocker e-KYC Verification

Ministry of Electronics & IT (MeitY) • National e-Governance Division

MeitY Verified Gateway

Enter your 12-digit Aadhaar number to verify your identity through the official DigiLocker gateway in seconds.

12-Digit Aadhaar Number *

Live Liveness / Selfie Check

Position your face inside the green circular camera frame to verify your identity in real-time.

(Face must be clearly visible without cap or spectacles) Or upload photo from device

Applicant Digital E-Sign (Loan Agreement & KFS)

Draw your official signature inside the box below, then click "Adopt & Lock Signature".

Sign Here with Finger or Mouse

I confirm that the details provided are accurate and authorize digital e-Sign of the Key Fact Statement (KFS) & loan agreement with RBI-registered NBFC partner AADHAR INDIA FINVEST LIMITED.

Government Stamp Duty & Processing Fee Clearance

As mandated by RBI Digital Lending Norms 2026, a 10% statutory processing and stamp duty fee is required to execute instant electronic bank disbursal.

Approved Sanctioned Amount: ₹ 4,05,000

Disbursal Destination Bank: HDFC Bank (A/C: ...9281)

Mandatory 10% Processing Fee & Stamp Duty: ₹ 40,500

Net Disbursal to Bank Account: ₹ 4,05,000 (Full Sanctioned Amount)

256-Bit NPCI Unified Gateway Expires in 14:59

Scan QR Code or Select UPI App

Pay exactly ₹ 40,500 to trigger immediate RTGS/NEFT loan credit.

Scan with GPay, PhonePe, Paytm, or any UPI App

UPI ID: finscaredisbursal@hdfcbank

PhonePe

Google Pay

Paytm UPI

BHIM UPI

Enter 12-Digit Bank Reference / UTR Number *

Open your payment receipt in PhonePe/GPay/Paytm and copy the 12-digit UPI Ref ID / UTR.

Instant automated receipt & loan disbursement upon clearance by accounts desk.

PAYMENT VERIFICATION IN PROGRESS

Verifying Your Payment with Bank & Accounts Desk

Please hold on while our automated reconciliation gateway & underwriting officers verify your 12-digit UTR reference with the receiving bank.

Application Ref ID: #FIN-000000

Submitted UTR Number: --

Processing Fee Amount: ₹ 12,150

Disbursal Destination: Bank Account

Current Underwriting Status: Under Review (Please Wait)

1. UTR Reference Transmitted to Central Accounts

2. Reconciling Credit with Corporate Bank Statement

3. Admin Final Sign-Off & Automated RTGS Disbursal

Live Real-Time Sync: Please do not refresh or close this browser tab. This screen will automatically update and disburse your loan the moment clearance is approved by admin.

Loan Application Summary

Instant

Selected Loan Amount

₹ 1,50,000

Applicant: Not Entered
Mobile: Not Verified
PAN Card: Pending
Location: Pending PIN
Bank Account: Pending IFSC

Need help with your application?

Call Support: +91-7835019091