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Lowest Interest Personal Loans from 11.0% p.a.Check My Eligibility
Udaann Capital • Your Growth Our Priority • RBI Compliant Direct Lending

Fueling Your Ambitions.
Your Growth, Our Priority.

Direct digital lending from ₹25,000 to ₹20,00,000 for ambitious individuals and growing businesses. Instant paperless sanction, reducing-balance interest, and zero hidden deductions.

Apply in 3 Minutes
Official Reducing-Balance Formula

Loan EMI & Sanction Estimator

Real-time monthly installment, net bank credit, and interest calculation as per RBI norms.

Instant Pre-Approval
Loan Amount₹2,00,000
₹25,000₹5,00,000₹15,00,000
Repayment Tenure12 Months
3 Months12 Months (1 Yr)24 Months (2 Yr)48 Months (4 Yr)
Annual Interest Rate12.5% p.a.
10.0% (Prime)14.0% (Standard)24.0% (High-Risk)
Monthly Equated Installment (EMI)
₹17,816.57

Due on 5th of every month via automated NACH e-mandate

Total Principal Loan Amount:₹2,00,000
Total Interest Payable (12 mos):₹13,798.88
Processing Fee (2.0%):₹4,000
Statutory Tax (18% GST on fee):₹720
Net Disbursed to Bank Account:₹1,95,280
Total Amount Repayable:₹2,13,798.88
Principal: 94%Interest: 6%
Transparent Borrowing

Configurable Loan Products

Tailored repayment tenures and risk-tiered interest rates for salaried employees, professionals, and MSMEs.

Most Popular

Personal Loan

Instant multi-purpose personal loan up to ₹5 Lakhs

Loan Limit:₹25,000 - ₹5,00,000
Interest Rate:From 12.5% p.a. (Reducing)
Tenure:6 to 36 Months
Processing Fee:2% + GST
  • Instant PAN & Aadhaar paperless KYC
  • Direct NEFT/IMPS bank account transfer
  • Zero hidden foreclosure penalties
Apply for Personal Loan
Business Enterprise

Business Loan

Working capital and business expansion loan up to ₹20 Lakhs

Loan Limit:₹1,00,000 - ₹20,00,000
Interest Rate:From 11% p.a. (Reducing)
Tenure:12 to 60 Months
Processing Fee:2.5% + GST
  • Instant PAN & Aadhaar paperless KYC
  • Direct NEFT/IMPS bank account transfer
  • Zero hidden foreclosure penalties
Apply for Business Loan
100% Digital Journey

How Your Digital Loan Works

From initial registration to direct bank account credit in 4 transparent stages.

1

Instant KYC Check

Authenticate your mobile number via OTP, enter PAN card details, and complete UIDAI Aadhaar verification.

2

Bureau Underwriting

Our automated rules engine assesses your CIBIL score, debt-to-income (FOIR) ratio, and assigns your pre-approved limit.

3

Review Sanction & KFS

Review your transparent Key Fact Statement detailing exact monthly EMI, net disbursal, and interest rate before signing.

4

Direct Bank Credit

Accept the loan offer to trigger instant transfer of approved net principal directly into your bank account.

Frequently Asked Questions

Everything you need to know about digital loan compliance, verification, and repayment.

We integrate directly with authorized UIDAI Aadhaar OTP and Income Tax PAN verification APIs. For credit evaluation, we submit an authorized inquiry to TransUnion CIBIL or Experian with your explicit consent. No full Aadhaar or credit reports are ever leaked in plain text.

Statutory RBI Digital Lending Disclosures (DLG 2022/2026)

1. Regulated Entity: All loans on this platform are originated and underwritten by Udaann Capital NBFC Ltd. Udaann Capital does not engage in pass-through or synthetic credit arrangements.

2. Direct Bank Transfers: All loan disbursements and collections are routed strictly between the bank account of the borrower and the designated escrow bank account of the NBFC without any third-party pool accounts.

3. Data Privacy & Consent: We collect only necessary KYC information with explicit consent. Biometrics are never stored. Masked Aadhaar numbers are held strictly as authorized by UIDAI.

4. Cooling-off Period: Borrowers are granted a statutory cooling-off period of 72 hours from loan sanction to exit the agreement by repaying principal and proportionate APR without penal charge.