Paisa24Finance — How It Works

From tap to funds in your bank
in under 30 minutes.

Seven steps, fully digital. Scroll to watch each step — with no paperwork, no branch visits, no manual underwriting.

01
Apply with mobile + PAN
Tap, type your mobile number and PAN. We pre-fill the rest from verified government databases.
⏱ ~ 20 sec
02
Aadhaar e-KYC
Verify your identity with UIDAI in real-time. Address, name and date of birth fetched automatically.
🔐 UIDAI · OTP based
03
Income & bank via Account Aggregator
One-tap RBI-licensed AA consent fetches 6 months of bank statements.
🏦 AA framework
04
AI credit decisioning
Our model evaluates 23 features and returns a decision in seconds.
🧠 Real-time score
05
Personalised offer + Key Fact Statement
See your eligible amount, tenure, all-in APR and every fee.
📄 RBI compliant
06
e-Sign & e-NACH mandate
Sign the agreement with Aadhaar e-Sign. Set up auto-debit with e-NACH.
✍️ Legally binding
07
Instant disbursal
Funds hit your bank account via IMPS / UPI in under 30 minutes.
⚡ IMPS / UPI
Auto-fill from PANNSDL verified
3 banks linkedvia Setu AA
23 features scoredin 1.8 sec
Approved · ₹ 50,000at 28% APR
Signed via AadhaarUIDAI e-Sign
₹ 50,000 creditedUTR · 2 sec ago
9:41📶 🔋

Let's get you funded

Enter your mobile number and PAN — we'll handle the rest.

+91
Mobile 98765 43210
PAN ABCDE1234F

By continuing you agree to our terms and privacy policy.

Continue →
9:41

Verify with Aadhaar

An OTP has been sent to your Aadhaar-linked mobile.

आ
Government of India
UIDAI
XXXX XXXX 4729
4
7
2
9
Verify →
9:41

Link your bank securely

Powered by RBI-licensed Account Aggregator.

HDFC Bank · Salary
Connected
ICICI Bank · Savings
Connected
State Bank of India
Connected
Continue →
9:41

Evaluating your profile

✓
Bureau pull (CIBIL)798
✓
Bank statement parsing6 mo
✓
Salary stabilityStable
9:41

Your personalised offer

Eligible amount
₹ 50,000
Tenure30 days
Interest rate (APR)28%
Principal₹ 50,000
Processing fee (10%)₹ 5,000
Total payable₹ 57,050
Accept Offer →
9:41

Sign & set up auto-debit

Priya Sharma
Confirm & disburse →
9:41

Disbursed!

₹ 50,000 credited to your account

UTR · HDFCN26052610019
Download agreement →

After disbursal, we stay with you.

Complete loan management — dashboard, reminders, payments, foreclosure, NOC and repeat offers.

01
Active loan dashboard
See your live balance, next due date, EMI schedule in one place.
📊 Real-time
02
Smart repayment reminders
SMS + WhatsApp + email nudges before due date.
🔔 Multi-channel
03
Pay EMI or part-payment
UPI, netbanking, debit card. Zero fees for part-payment.
⚡ UPI / cards
04
Instant foreclosure quote
Close early with one tap. Zero pre-closure charges.
💸 Save on interest
05
NOC & credit reporting
No-Objection Certificate generated instantly on closure.
📄 Instant
06
Top-up & repeat offers
Good repayment unlocks higher limits and better rates.
🚀 Pre-approved
Hi Priya — your active loan
Loan #P24-04827 · disbursed 17 May 2026
On-track
Outstanding
₹ 25,500 of ₹ 50,000
3 of 6 EMIs paid49% repaid
Next EMI
₹ 8,510
Due27 Jun 2026
Tenure
30 days
APR
28.0%
Auto-debit
HDFC
Repayment reminders
Multi-channel · SMS, WhatsApp & email
3 days to go
T-7 · WhatsApp sent
T-3 · SMS sent
T-1 · email queued
Due date · 27 Jun
Pay your EMI
Choose any UPI app · instant settlement
EMI · ₹ 8,510
Part-pay
Foreclose
Pay now
₹ 8,510
GPay · priya@oksbi
PhonePe
Foreclosure quote
Zero pre-closure charges
Quote valid 24h
Outstanding principal₹ 25,500
Accrued interest₹ 612
Pre-closure fee₹ 0
You save ₹ 2,148 in future interest
Loan closed · NOC ready
CIBIL +18 points
Closed
No-Objection Certificate
No Dues
Pre-approved offer
Based on your repayment history
Repeat customer
Pre-approved for
₹ 1,50,000
Accept →
Apply via WhatsApp