Loan Application

Loan Application Form

01 Phone·02 PAN·03 Personal·04 Review

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I hereby confirm my Household Income* is more than INR 3 Lakh annually.

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I hereby accord my Aadhaar consent, give my consent for retrieval of records from CKYCR, agree to be contacted via e-mail, phone call, SMS, WhatsApp, and/or any other mode (this shall override any registration for DNC/NDNC), and also authorize dial4money to make an inquiry (ies) with NSDL/CIBIL/other credit bureaus, any regulatory authority, any such third party, regarding my PAN, Credit history and/ or for any other verification(s).

* I, do hereby confirm that my annual household income, that is to say, the annual income of my family unit, (i.e., husband, wife, and unmarried children, is more than Rs. 3,00,000/- (Rupees Three Lakhs Only) and therefore, my borrowing under the present facility does not qualify to be treated as a Microfinance Loan under the Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022. I confirm that the aforesaid information and details provided by me are true, and correct and that I have not concealed any information therefrom.

Loan Calculator

Calculate your loan

Drag, tap, and watch your receipt fill in — no math required.

₹35,000.00
₹10,000₹1,00,000
1.0%
10%
Repayment Summary
Loan amount₹35,000.00
Interest (1.0%/day × 30d)₹10,500.00
Processing fee (+18% GST)₹4,130.00
In-hand amount₹30,870.00
Total repayable₹45,500.00

Estimate only — final offer confirmed after approval

IN
HAND
₹30,870.00
amount you receive
Loan amount₹35,000.00
Processing fee + GST₹4,130.00
PAY
ABLE
₹45,500.00
total you repay
Loan amount₹35,000.00
Total interest₹10,500.00

Where the money goes

Cost of
borrowing
₹14,630.00
Loan amount₹35,000.0071%
Interest₹10,500.0021%
Processing fee + GST₹4,130.008%
Loan duration30 days
Interest rate1.0% per day
Processing fee₹3,500.00
GST (18% of fee)₹630.00
Loan Information

Loan terms & conditions

Transparent pricing, no hidden charges.

Loan Basics
₹10,000
Minimum amount
₹1,00,000
Maximum amount
Loan Tenure62 – 180 days
7 days180 days
%Processing fee
Up to 10% of loan amount
%Charges & Fees
None
Pre-closure charges
%
Upto 1% per day
Interest charges
Annual Percentage Rate (APR)Max 36%
0%100%
Cheque bounce charge
₹500 + GST

*Terms and conditions apply. Rates and charges are subject to change — please read all terms before applying.

Example Calculation

A worked example for a ₹30,000 loan over 3 months

Worked Example
Given
Loan Amount
₹30,000
@ 30% total interest
Loan Duration
3 months
Deductions & Interest
Total Loan Interest₹9,000
Processing Fee + GST₹3,000 + ₹540 = ₹3,540
In-Hand Amount
₹26,460
₹30,000 − ₹3,540 (fee + GST)
Total Repayable
₹39,000
₹30,000 + ₹9,000 interest
EMI Repayable (over 3 months)₹13,000

Processing fee and GST are deducted upfront from the disbursed loan amount.