Your EMI is based on three things: the loan amount (principal), the annual interest rate, and the repayment tenure. We use the standard reducing-balance formula, so a larger amount or longer tenure changes your monthly figure. The calculator above gives you an indicative number instantly.

You'll need identity proof, address proof, income proof, and recent bank statements. You can upload them directly in the app during the application, and we'll show upload progress and flag anything that needs re-uploading.

Once you submit, your application moves to a "Waiting for Approval" state and is reviewed by our team. You can track the status live on your dashboard, and you'll get a push notification the moment it's approved, rejected, or disbursed.

Yes. From the Repayment section you can pay your minimum due, clear the full outstanding balance, or foreclose the loan entirely. Your loan statement and outstanding balance update automatically once a payment is confirmed.

No — the figure here is indicative and meant to help you plan. Your final EMI, interest rate, and schedule are confirmed after your application is reviewed and approved, and appear in your detailed loan statement.