Plain-language guides for borrowers, savers and small business owners.
Free guides on borrowing, saving, insurance and digital payments — built for first-time customers.
Understand how Equated Monthly Installments work, what makes interest "reducing balance," and why the same loan can have very different total costs.
Read guide →A simple weekly budgeting method designed for daily wage earners and seasonal income families.
Read guide →Why your repayment record matters, how it's tracked, and how a good record opens larger loans at better rates.
Read guide →How to use a recurring deposit to smooth income across harvest, festival and lean months.
Read guide →Life, accident and crop insurance explained — what they cover, what they don't, and how to claim.
Read guide →Step-by-step on receiving and sending money via UPI, with safety tips for first-time users.
Read guide →For first-time customers, expect 7–10 working days from application to disbursal. For existing customers in good standing, top-up loans can be disbursed in 48–72 hours.
Aadhaar card, one address proof (utility bill, ration card or voter ID), one passport-size photo, and a bank account in your name. For individual or enterprise loans, additional business proof is required.
Yes, you can pre-pay any time at no extra cost. You will only pay interest up to the date of pre-payment, calculated on reducing balance.
A late payment charge of ₹30 + 18% GST is applicable per missed EMI, plus interest on the overdue amount. We will contact you to understand the reason and work out a way forward. Please don't avoid the conversation — we can usually help.
Yes. We follow RBI's data protection guidelines for NBFC-MFIs. Your data is stored on encrypted servers and shared only with regulators or credit bureaus as required by law.
Log in to the Customer Portal to see your statement, next EMI date, outstanding principal and any dues. You can also visit any branch or call our toll-free number.
The MID is given to every customer before disbursal, in your local language.
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