Paisa24 Finance — Instant Funds Help. Trusted Service.
RBI Powered by Barota Finance Limited · Reg. B-06.00606

Instant funds, trusted service.

Personal loans up to ₹ 1 Lakh in 30 minutes. 100% paperless. AI-based credit decisioning. Transparent pricing — built for salaried Indians who need quick, responsible credit.

Check eligibility See how it works
30 min
Avg. disbursal time
₹ 5K – ₹ 1L
Loan range
7 – 45 days
Flexible tenure
Aadhaar verifiedUnder 30 seconds
✓ Step 3 of 3
Approved
Loan amount
₹ 25,000
Tenure30 days
Processing fee (10%)₹ 2,500
Interest₹ 1,810
Total payable₹ 29,310
Repay by17 Jun 2026
Funds credited to your bank in under 30 minutes
₹ 25,000 creditedUTR · 2 min ago
RBI Registered NBFC
DPDP Compliant
FACE SRO Member
AES-256 Encrypted
Barota Finance · B-06.00606
12,500+
Loans disbursed
₹ 84 Cr+
Disbursed to date
4m 22s
Average decision time
4.6 ★
Customer rating

Pick the loan that fits.

Five ways to borrow — from a 30-minute cash bridge to asset-backed credit. Swipe through and pick the one that fits your moment.

Payday · Salaried

cash before
payday.

₹ 5K–₹ 1L · repay in 7–45 days · funds in under 30 min.

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Personal Loan

bigger goals.
easy EMIs.

₹ 50K–₹ 5L · 6–36 month EMIs · 50+ lending partners.

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paisa24•••• •••• •••• 24
Loan Against MF

borrow.
stay invested.

Up to 60% of your mutual-fund NAV · lower interest · instant lien.

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Micro Loans

small amount.
big help.

₹ 1K–₹ 50K · 7 days–6 months · new-to-credit friendly.

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Top-up & Repeat

pre-approved.
one tap.

Higher limits, better rates and zero fresh KYC for repeat customers.

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paisa24+

See your exact cost.

Adjust the amount and tenure to see your loan details. Transparent pricing — every fee disclosed up-front, as RBI Digital Lending Guidelines require.

Principal amount min ₹ 5,000 · max ₹ 1,00,000
₹ 50,000
₹ 5,000₹ 1,00,000
Tenure 7 – 45 days
30days
7 days45 days
Transparent fees
No hidden charges
Max APR 365%
Better rate with credit score
// Total payable
₹ 65,900
Principal₹ 50,000
Interest₹ 15,000
Processing fee (10%)₹ 5,000
GST on fee (18%)₹ 900
Repay by17 Jun 2026
Check eligibility
Final amount may vary based on your credit profile.

Built for responsible lending.

We're not just another payday lender. Every product is designed with transparency, customer wellbeing, and long-term financial health in mind.

Lightning-fast disbursals

Emergencies don't wait. Our AI-led process approves and disburses in under 30 minutes — no manual underwriting delays.

Flexible loan options

Choose loan amounts up to ₹ 1,00,000 and tenures up to 45 days. Repay early with zero pre-closure charges.

Complete transparency

All fees disclosed up-front per RBI Digital Lending Guidelines. Key Fact Statement before signing. No hidden charges, ever.

Human-first support

Our team listens, understands, and supports you. Real humans, not just chatbots — available in Hindi and English.

AI-led credit decisioning

23 features across bureau, banking and behavioural data. Better decisions, better rates for good borrowers.

Bank-grade security

AES-256 encryption end-to-end. Data hosted only in India. DPDP-compliant. Your privacy is non-negotiable.

Download the app

Your loan, in your pocket.

Apply, track, repay and request top-ups — all from the Paisa24Finance app. Biometric login. Offline KFS. Push reminders before every due date.

Download on theApp Store Get it onGoogle Play
9:41
Good morning
Priya 👋
PS
Outstanding
₹ 25,500
3 of 6 paid49%
Next EMI · 9 days
₹ 8,510 · auto-debit
Pay
EMI
Top-up
₹ 1.5L
Support
Chat

Everything you need to know.

Quick answers to the most common questions. Need more help? Talk to our team via WhatsApp or phone.

What is the minimum eligibility for a Paisa24Finance loan?
You must be an Indian citizen, aged 22 to 55, with a valid PAN and Aadhaar, a regular monthly salary credit of at least ₹ 15,000, and an active bank account. The full eligibility check is done in real-time during your application.
How fast will I receive the funds?
For approved applications, funds are credited to your bank account within 30 minutes via IMPS or UPI. The end-to-end journey — application, KYC, decisioning, e-Sign, and disbursement — typically completes in under 5 minutes.
What is the maximum loan amount and tenure?
Payday Loans: up to ₹ 1,00,000 for 7 – 45 days. Personal Loans: up to ₹ 5,00,000 for 6 – 36 months. Loan Against Mutual Funds: up to 60% of NAV. Your eligible limit depends on your income, credit history, and AI score.
What are the charges and APR?
Processing fee: up to 10% of loan amount + 18% GST on fee. Interest: variable based on credit profile. Max APR: 365% (statutorily disclosed). Late payment: 0.25% per day on overdue amount. NACH bounce: ₹ 500 + GST. All charges are disclosed up-front in your Key Fact Statement before you sign.
Do I need to submit physical documents?
No. Paisa24Finance is 100% paperless. We use Aadhaar e-KYC, PAN validation, and Account Aggregator framework for instant verification. No physical paperwork, branch visits, or signatures on paper.
Is Paisa24Finance safe? Who regulates you?
Paisa24Finance is the digital lending brand of Barota Finance Limited, an RBI-registered NBFC (Reg. No. B-06.00606). We are compliant with RBI's Digital Lending Guidelines 2022, the DPDP Act 2023, and we are a member of the FACE Self-Regulatory Organisation. Your data is encrypted with AES-256 and stored only in India.
Can I pre-pay or foreclose my loan?
Yes — and there are zero pre-closure charges. Log in to the Repay Loan portal or app, request a foreclosure quote, and pay via UPI / netbanking. You'll get an NOC instantly on successful closure.
How do I raise a complaint or grievance?
Call our Grievance Officer at +91-9888133360, email [email protected], or use the in-app grievance form. If unresolved within 30 days, you can escalate to our Nodal Officer or to the RBI Complaint Management System (CMS).

Ready when you are.

Get your loan offer in 60 seconds. No commitment. No CIBIL impact.

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