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Applying
Who can apply for a Skyrise personal loan?
Salaried individuals aged 21 to 58 with a take-home pay of ₹25,000 or more, a valid PAN and Aadhaar. A CIBIL score of 700+ is preferred. See the Eligibility page for details.
Will checking my offer affect my CIBIL score?
No. Checking your offer uses a soft enquiry that doesn't affect your credit score. A formal credit check happens only if you choose to proceed.
How much can I borrow, and for how long?
From ₹50,000 up to ₹25,00,000, repaid over 12 to 60 months. Your exact limit depends on your income, existing EMIs and credit history.
How quickly will I get the money?
Once your documents are verified and you e-sign, funds typically reach your bank account within 24 hours.
Do you lend to self-employed people?
Right now we serve salaried individuals only. Loans for self-employed professionals are coming soon. Leave your number with our team to be notified.
Can I track my application?
Yes. We send SMS and email updates at each stage, and you can call us anytime with your registered mobile number for a status update.
Rates & charges
What interest rate will I get?
Rates start from 10.5% p.a. and are personalised to your credit score, income and employer. You'll see your exact rate and APR in your Key Fact Statement before you accept.
Are there any processing fees or hidden charges?
No hidden charges, ever. Any processing fee is shown clearly in your Key Fact Statement, alongside your total cost, before you sign anything.
What is a Key Fact Statement (KFS)?
A one-page summary of your loan: amount, interest rate, APR, all fees, EMI, number of instalments and total amount payable. You receive it before you sign.
Is the interest rate fixed?
Yes. Your rate and EMI stay the same for the entire tenure, so you always know what's due.
EMIs & repayment
When is my EMI deducted?
On a fixed date each month, automatically from your bank account through e-NACH. We send a reminder a few days before.
What if I miss an EMI?
Talk to us early. We'd much rather help you find a way through. Late payment charges, if any, are disclosed in your KFS, and missed EMIs can affect your credit score, so please call us before a due date if you're facing difficulty.
Can I change my EMI date?
Contact us before your next due date. Depending on your loan terms, we may be able to move it to a date closer to your salary credit.
My EMI bounced but I had money in my account. What now?
Call us with your loan number. We will check the e-NACH status with your bank and help you pay the instalment without delay.
Prepay & close
Can I prepay or close my loan early?
Yes. You can make part-prepayments or foreclose your loan. Any applicable charges are listed upfront in your loan agreement, so there are no surprises.
How do I get a foreclosure quote?
Email or call us with your loan number. We send the exact amount to close your loan, valid until a stated date.
When will I get my NOC after closing the loan?
We issue your no-dues certificate (NOC) by email after your final payment clears, and update the credit bureaus.
Can I cancel my loan after it is disbursed?
Yes. During the cooling-off period stated in your Key Fact Statement, you can exit by repaying the principal and proportionate interest, without any penalty.
Documents & KYC
Which documents do I need?
PAN, Aadhaar (linked to your mobile), your last 3 salary slips and a 6-month bank statement. Everything is uploaded digitally from your phone.
My Aadhaar is not linked to my mobile. Can I still apply?
You will need it linked to complete e-KYC and e-sign. You can link it at any Aadhaar Seva Kendra; it usually takes a few days.
How do I update my address, email or mobile number?
Email us from your registered email or call us. We will verify your identity and update your details.
Is my data safe?
Yes. Your documents are protected with bank-grade encryption, accessed only with your consent and only for your loan. We never sell your data.
Already have a loan? We've got you.
Email care@fineasecapital.in from your registered email with your loan number, or call us. Here's what we can help with.
Loan statement
Your full repayment history and outstanding balance, sent by email.
Interest certificate
A summary of interest and principal paid in a financial year.
Foreclosure quote
The exact amount to close your loan early, valid till a stated date.
No-dues certificate
Issued after your loan is fully repaid. Credit bureaus are updated too.
Change EMI bank account
Set up a new e-NACH mandate if you switch your salary account.
Update your details
Change your mobile number, email or address after quick verification.
Payment difficulty
Facing a tough month? Talk to us before the due date to explore options.
Credit report correction
Spotted an error about your Skyrise loan on your credit report? We'll fix it.
Skyrise will never ask you to…
- Share your OTP, PIN, CVV or net banking password
- Pay any fee upfront to get a loan approved or disbursed
- Install a screen-sharing or remote-access app
- Transfer money to a personal bank account or UPI ID
Got a suspicious call or message using our name? Don't respond. Report it to us on 1800 123 4567, and to the national cyber-crime helpline 1930 or cybercrime.gov.in.
Not happy? Here's how to escalate.
We take every complaint seriously. Most are resolved at the first level, but you can always escalate if you're not satisfied.
- Level 1
Customer care
Call 1800 123 4567 or email care@fineasecapital.in. You'll get a complaint reference number.
We aim to respond within 7 working days - Level 2
Grievance Redressal Officer
If you're not satisfied, write to our GRO:
We aim to resolve within 15 working days
[Name] · [email] · [phone] - Level 3
RBI Ombudsman
If your complaint isn't resolved within 30 days, or you're unhappy with our reply, you can complain under the RBI Integrated Ombudsman Scheme at cms.rbi.org.in.
Toll-free 14448