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Instant Top 10 Personal Loan App – Best Personal Loan App

KreditBee – India’s Trusted Personal Loan & UPI App

KreditBee is an online personal loan platform trusted by over 70 million Indians. Get quick personal loans at attractive interest rates with a simple, hassle-free process. Apply online and receive the loan amount directly in your bank account. Whether you are salaried or self-employed, KreditBee gives you easy access to funds anytime, anywhere. You can also enjoy faster, secure, and reliable UPI payments using KreditBee UPI.

Loan Features
– Loan amount from ₹6,000 to ₹10,00,000
– Interest rates: 12% to 28.5% per annum
– Loan tenure: 6 to 60 months
– APR range: 17% to 50%
– Low transaction fees
– Quick approval and easy EMI

Why Choose KreditBee?
– Quick online loan
– Low interest rates
– Simple and fast application
– Instant loan approval
– Seamless and secure UPI payments

KreditBee UPI (NPCI Approved)
Experience faster and safer payments with KreditBee UPI.

– Create UPI ID by linking your bank account
– Shop online and offline
– Send and receive money instantly
– Fast, secure, and reliable NPCI-approved payment system

Features of KreditBee Personal Loan App
– Quick approval within minutes
– Repayment flexibility with 6 to 60 months
– Fully digital documentation
– 100% transparency with no hidden charges
– Apply anytime, anywhere
– Available in English and Hindi

Loan for Every Purpose
Use KreditBee loans for big purchases, travel, education, weddings, shopping, debt consolidation, home repairs, medical emergencies, and more.
Interest starts from 12% per annum, backed by partnerships with RBI-certified NBFCs and banks.

RBI-Registered Lending Partners:
Krazybee Services Pvt. Ltd.
PayU Finance India Pvt. Ltd.
Oxyzo Financial Services Ltd.
Vivriti Capital Pvt. Ltd.
Cholamandalam Investment and Finance Company Ltd.
Kisetsu Saison Finance (India) Pvt. Ltd.
Tata Capital Ltd.
Northern Arc Capital Ltd.
Piramal Finance Ltd.
MAS Financial Services Ltd.
Mirae Asset Financial Services (India) Pvt. Ltd.

Types of Loans Available:

Personal Loan:
Loan amount from ₹6,000 to ₹10,00,000 with 6–60 months tenure.

Business Loan:
Loan from ₹6,000 to ₹5,00,000 with 6–48 months tenure.

Two-Wheeler Loan:
Loan up to ₹5,00,000 with 6–60 months tenure.

Loan Against Property:
Borrow up to ₹1 Crore with tenure up to 20 years and interest from 12%.

KreditBee 24K Gold:
Buy or sell pure 24K gold instantly.

Example – Personal Loan Calculation:
– Loan Amount: ₹50,000
– Tenure: 12 months
– Interest Rate: 20% p.a.
– Processing Fee: ₹1,250
– Onboarding Fee: ₹200
– GST: ₹261
– Total Interest: ₹5,580
– EMI: ₹4,632
– APR: 26.92%
– Amount Disbursed: ₹48,289
– Total Repayment: ₹55,580

Eligibility:
– Indian citizen
– 21+ years old
– Stable monthly income

How to Apply:
1. Install the KreditBee app
2. Sign up using mobile number
3. Enter PAN & check eligibility
4. Upload KYC documents
5. Select amount & tenure
6. Add bank details
7. Receive loan instantly

Customer Support:
Email: help@kreditbee.in
Phone: 080-44292200 / 080-68534522
Address: 4th Floor, Anjaneya Techno Park, No.147, HAL Old Airport Road, ISRO Colony, Kodihalli, Bengaluru – 560008, Karnataka.

KreditBee – Your Financial Partner for instant loans & secure payments!

Navi – Your All-in-One Financial Super App

Navi is your complete financial superapp designed to meet diverse financial needs. From lightning-fast UPI payments to smart investments in mutual funds and gold, instant cash loans, reliable health insurance, and effortless home loans, Navi has everything you need. Download the Navi app and unlock a world of financial possibilities.

1. Navi UPI
Simplify payments with Navi UPI (NPCI Approved).

Navi UPI Features:
– Instantly transfer money to anyone, anytime
– Pay bills and recharge online
– Scan and pay at any store
– Make seamless online payments across apps
– Enjoy PIN-free payments with Navi UPI Lite

2. Investments
Explore investment opportunities with mutual funds and digital gold.

Navi Mutual Fund Features:
– Diversify with Direct Index Funds for better growth
– Flexible SIP options: daily, weekly, monthly
– Zero commission & one of the lowest expense ratios
– Fastest redemption payout in the industry
– Invest before 3 PM to get same-day NAV
– Start investing with just ₹100
*Mutual fund investments are subject to market risks. Read scheme documents carefully.*

Navi Gold Features:
– 24K Digital Gold
– 99.9% purity
– Start investing with just ₹50

3. Navi Health Insurance
Protect yourself and your family with Navi Health Insurance.

Navi Health Insurance Features:
– Coverage up to ₹3 Crore
– Premiums starting at just ₹350/month*
– Access 12,000+ network hospitals*
– Cashless claim settlement within 20 minutes*
– 100% bill coverage* through paperless processing

4. Navi Finserv Cash Loan
Get instant cash loans up to ₹20 lakh.

Navi Cash Loan Features:
– Competitive interest rates from 12.06% to 29.96% p.a.
– Loan tenures up to 84 months
– Fully digital loan process with instant bank transfer
– Minimum household income required: ₹3 lakh/year

Example:
Loan Amount = ₹30,000
ROI = 18%
EMI = ₹2,750
Total Interest = ₹3,000
Total Payable = ₹33,000
*Figures are indicative. Final APR depends on credit assessment.*

5. Navi Home Loan
Get home loans up to ₹5 Crore with quick approval.

Navi Home Loan Features:
– Loan amount up to ₹5 Crore
– Interest rate up to 13%
– Tenure up to 30 years
– Zero processing fees
– Up to 90% LTV
– Available in Bengaluru, Chennai & Hyderabad

6. Referral Program
Refer friends and family to Navi and earn exclusive rewards for every successful referral.

About Navi:
– Navi app is developed by Navi Limited (formerly Navi Technologies Limited), founded by Sachin Bansal & Ankit Agarwal in 2018.
– Cash & Home Loans are issued by Navi Finserv Limited, an RBI-regulated NBFC.
– Health Insurance is provided by Navi General Insurance Limited (IRDAI registered).
– Navi Mutual Fund (SEBI registered) offers multiple mutual fund schemes.
– Navi UPI is NPCI approved.

True Balance – Secure Lending, Payments & Financial Services

True Balance is a secure platform dedicated to the mission of “Finance for All.” It is an RBI-authorised Prepaid Payment Instrument (PPI) issuer that provides Digital Wallet and Gift Wallet services for recharges, bill payments, fund transfers, and UPI-based wallet interoperability.

True Balance also offers unsecured personal loans through RBI-registered NBFCs, trusted by over 75 million users across India. Users can access digital loans from ₹1,000 to ₹2,00,000 for 6–12 months at low processing fees. Additionally, digital personal loans up to ₹5,00,000 are available in partnership with NBFCs and fintech partners with tenures of 12–48 months.

The APR (Annual Percentage Rate) for all loans ranges from 28.8% to 86%.

1. Quick Personal Loan – Loan App

Loan Features:
– 100% safe and secure loan platform
– Fully digital process with 24/7 access
– Loan range up to ₹5,00,000 through NBFC and fintech partners
– Flexible repayment tenure from 6 to 48 months
– Low processing fees
– Direct disbursal to your bank account

Example Loan Calculation:
– Loan Type: Unsecured Personal Loan
– Loan Amount: ₹10,000
– Tenure: 6 months
– Interest Rate: 2.4% per month
– Processing Fee (6%): ₹600 + GST (18%) = ₹708
– Total Interest: ₹844
– EMI: ₹1,807
– Total Repayment: ₹11,550
(Note: Rates may vary based on borrower profile)

2. UPI – True Balance Wallet (NPCI Approved)

UPI Features:
– Instant money transfers anytime
– Online bill payments and mobile recharge
– 24/7 digital payments to merchants
– Pan-India service coverage
– Send money using a mobile number, even to non–True Balance users

How to Apply for a Personal Loan

1. Install the True Balance app
2. Register using your mobile number
3. Complete basic details to check loan eligibility
4. Upload KYC documents and apply
5. Receive approved loan amount directly into your bank account

Lending Partner Details (RBI-Licensed NBFCs)

– True Credits Pvt. Ltd.
– InCred Financial Services Limited
– Grow Money Capital Pvt. Ltd.
– Vivriti Capital Limited
– Northern Arc Capital Limited
– Oxyzo Financial Services Limited

Fintech Partner:
– Prefr (Dreamplug Technologies Private Limited)

App Permissions (and Why They’re Needed)

– Location: To provide personalized loan offers and Video KYC
– SMS: For SIM verification & PPI interoperability
– Camera: For KYC document capture & Video KYC
– Phone Info: Fraud prevention
– Microphone: Video KYC process

Contact Information

Address:
The Circle Work, 5th Floor, Huda City Centre Metro Station,
Sector 29, Gurugram, Haryana 122001, India

Email: cs@balancehero.com

Additional Information

– Fully online, secure system with a 4.5-star rating
– Encrypted data protection
– Privacy Policy applies
– Terms & Conditions apply

PayRupik – Instant Personal Loan App

PayRupik is an online instant personal loan platform trusted by over 10 million users. It provides quick credit in minutes. PayRupik is a loan product of Sayyam Investments Pvt. Ltd., a registered NBFC under RBI. You can borrow loan amounts up to ₹50,000 with a process that is fast, easy, and secure.

If you are looking for a reliable friend who can lend money instantly without excuses, PayRupik is your best friend.

Loan Product Details

– Loan Amount: ₹1,000 to ₹50,000
– Minimum Loan Tenure: 91 days
– Maximum Loan Tenure: 365 days
– Maximum APR: 35% per annum
– Processing Fee: ₹80 to ₹2,000 (depending on loan amount and tenure)
– GST: 18% applicable on processing fee as per Indian law

Representative Example
Loan Amount: ₹6,000
Interest Rate: 25% per annum
Tenure: 120 days

Interest = ₹6000 × 25% ÷ 365 × 120 = ₹493
Processing Fee = ₹100
GST = ₹100 × 18% = ₹18

Total Repayment = ₹6000 + ₹493 + ₹100 + ₹18 = ₹6,611
APR = (6611 – 6000) ÷ 6000 ÷ 120 × 365 = 30.97%

Why Choose PayRupik?

✔ Transparent: Loan provided by an RBI-certified NBFC with complete transparency
✔ Instant Loan: Funds are disbursed directly into your bank account within 15 minutes
✔ Efficient: 100% online process with no paperwork
✔ Secure: Your data is encrypted and transferred via secure HTTPS. It is never shared without consent

How to Apply

1. Download and install the PayRupik app
2. Create your account
3. Upload KYC documents (ID proof, address proof, PAN card)

Eligibility Criteria

– Must be an Indian citizen
– Must be 18 years or older
– Must have a steady monthly income

Household Income Requirement:
– Annual household income must be above ₹3,00,000
(Household includes husband, wife, and unmarried children above 18 years)

Customer Support

Email: service@payrupikloan.in
Phone: 0224-8930118
Address: Agyathuri, Chamajali, Amingaon, Guwahati, Kamrup, Assam – 781031