✓RBI-registered NBFCRates from10.5% p.a.Checking your offerwon't affect your CIBIL scorePersonal loans from₹50,000 to ₹25 lakhNo collateral.No hidden charges.Money in your bank in as little as24 hours100% paperlessapplicationQuestions? Call toll-free1800 123 4567
100% digital · No branch visits

From application to account, made clear.

Four simple steps, all on your phone. Here's exactly what happens at each one, what you'll need, and how long it takes.

  1. 1See your offer~2 minutes
  2. 2Verify your details~5 minutes
  3. 3Review & e-signSame day
  4. 4Money in your bankWithin 24 hours
Walkthrough

See it on your phone, step by step.

Scroll to watch an application go from offer to money in the bank.

1

See your offer

Tell us a little about yourself. We'll show your personalised amount, rate and EMI right away, with no effect on your credit score.

⏱ About 2 minutes
You'll see your eligible amount, interest rate and EMI.
2

Verify in a few taps

Complete KYC with PAN and Aadhaar, then share your salary details securely. Upload from your phone; no scanning needed.

⏱ About 5 minutes
You'll need PAN, Aadhaar, 3 salary slips and a 6-month bank statement.
3

Review & e-sign

Read your Key Fact Statement: every rupee, plainly explained. Happy? Sign digitally with an Aadhaar OTP.

⏱ Same day
Nothing is final until you've seen and accepted the full cost.
4

Money lands in your bank

Funds go straight to your salary account. Your EMI schedule and loan details arrive by email and SMS.

⏱ Within 24 hours
EMIs auto-debit on a fixed date each month.
Step by step

What happens, and what you'll need.

1~2 min

See your offer

Enter your name, mobile number, PAN, monthly take-home pay and PIN code. We run a soft check and show your personalised loan amount, interest rate and EMI.

You'll need
  • Mobile number for OTP
  • PAN
  • Monthly take-home pay
What we do
  • Soft credit check, no CIBIL impact
  • Instant in-principle offer
  • Show your EMI before you commit
2~5 min

Verify your details

Complete Aadhaar e-KYC with an OTP and upload your income documents. You can also securely share your bank statement online instead of uploading a PDF.

You'll need
  • Aadhaar linked to your mobile
  • Last 3 months' salary slips
  • Last 6 months' bank statement
What we do
  • Verify identity and address
  • Confirm income and employer
  • Finalise your rate and amount
3Same day

Review & e-sign

We share your Key Fact Statement: loan amount, interest rate, APR, fees, EMI, due date and total repayable on one page. If you're happy, sign digitally with an Aadhaar OTP and set up auto-debit (e-NACH) for EMIs.

You'll need
  • A few minutes to read the KFS
  • Aadhaar OTP to e-sign
  • Bank account for e-NACH
What we do
  • Explain every charge upfront
  • Answer questions before you sign
  • Email you a signed copy
4< 24 hrs

Money in your bank

We transfer the loan directly to your verified bank account, usually within 24 hours of e-sign. Your welcome kit with the EMI schedule follows by email and SMS.

You'll receive
  • Funds in your salary account
  • Loan agreement and EMI schedule
  • Customer care contact details
Good to know
  • Cooling-off period to exit early
  • First EMI on your chosen date
  • Prepay anytime as per your KFS
Before you start

Keep these handy for a faster approval.

Tick them off as you gather them. Having everything ready usually means approval the same day.

Check eligibility criteria
0 of 5 ready
After disbursal

Life with your loan, kept simple.

Automatic EMIs

EMIs auto-debit on the same date each month through e-NACH. We send a reminder a few days before.

Statements on request

Get your loan statement and interest certificate by email whenever you need them.

Prepay or close early

Part-prepay with a bonus or close the loan early. Charges, if any, are in your KFS.

No-dues certificate

Once your last EMI is paid, we issue your NOC and update the credit bureaus.

Facing difficulty with a payment? Call us before the due date and we'll work with you.1800 123 4567
Your data

Safe at every step.

You share personal documents with us, so we treat them with care.

Encrypted end to end

Your documents and details travel and rest under bank-grade encryption.

Consent first

We access only what you allow, and only for your loan. We never sell your data.

Regulated lender

Skyrise is an RBI-registered NBFC and follows the Fair Practices Code and digital lending guidelines.

FAQs

Process questions.

Need help mid-application? Call us toll-free on 1800 123 4567.

Do I need to visit a branch at any point?

No. Everything from application to e-sign happens online, on your phone or laptop.

Can I pause and finish my application later?

Yes. Your progress is saved against your mobile number, so you can pick up where you left off.

What could slow down my approval?

Blurry or incomplete documents, a mismatch between your PAN and bank details, or Aadhaar not linked to your mobile. Keeping the checklist above ready avoids most delays.

Can I change the amount or tenure after seeing my offer?

Yes, within your approved limit. Adjust them before you e-sign and your Key Fact Statement updates to match.

What if my application isn't approved?

We'll let you know promptly. You can call us to understand the main reasons and what could help next time, such as improving your credit score.

How will I know my loan has been disbursed?

You'll get an SMS and email from us, and your bank will notify you of the credit. Your welcome kit with the EMI schedule follows by email.

Ready? It starts with two minutes.

See your personalised offer. No impact on your CIBIL score.

Calculate your EMI