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.

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.

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.

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.

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.

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.

Call our Grievance Officer at +91-172-2730859, email care@paisa24finance.com, 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).