Credit, when life needs it.

You're eligible if you're an Indian citizen aged 21–58, have a monthly income (salary, gig earnings, or self-employment) of at least ₹12,000, hold a valid Aadhaar and PAN, and have an active bank account with UPI. We welcome first-time borrowers and "thin-file" users — your CIBIL score is one input, not the whole story.

Just three things: your Aadhaar number, PAN, and a smartphone. We pull your KYC via DigiLocker and your bank cashflow via the RBI's Account Aggregator framework — both with your explicit consent. You don't need to upload bank statements, salary slips, or any physical documents.

For first-time users, the full journey — from opening the app to money in your bank — typically takes under 10 minutes. For repeat borrowers, it's often under 3 minutes. Disbursal happens via UPI, directly to your registered bank account.

Our interest rates are illustrative around 30% per annum (~₹0.82 per ₹1,000 per day), plus a one-time processing fee of approximately 2.5% of the loan amount. The exact rate depends on your profile and our partner NBFC's policy at the time of disbursal. All charges are shown upfront before you accept the loan — no hidden fees, no surprises. Use our calculator to see your exact cost.

No. Our initial eligibility check is a "soft pull" — it does not affect your credit score. A "hard inquiry" is only triggered if you formally accept a loan offer, and even then, repaying on time will improve your score over time. We report all repayments to the credit bureaus, helping you build a strong credit history.

Repayment is fully digital. We set up a UPI Autopay mandate or eNACH at the time of disbursal. On your due date, the payment is automatically deducted from your bank account. You'll get reminders on T-7, T-3, and T-1 days. You can also repay early via the app at any time — there are no prepayment penalties.

Life happens. The first thing to do is contact us through the app or call our free helpline. We'll discuss options — partial payment, settlement, or a brief extension. Late fees apply, but we have a strict zero-harassment policy: no abusive calls, no contacting your family or workplace, no public shaming. All recovery is RBI-compliant and respectful.

Yes. We use bank-grade 256-bit encryption and store data only on secure servers within India. We never sell or share your data with third parties for marketing. We follow RBI's Digital Lending Guidelines on data privacy and only request access to what's necessary for credit assessment — with your explicit consent each time.

LoanDidi is a Digital Lending Agent (DLA) and Loan Service Provider (LSP). We don't lend our own money — we partner with RBI-registered Non-Banking Financial Companies (NBFCs) who are the actual lenders of record. Loan agreements, KYC, and grievance redressal all involve the partner NBFC. The partner NBFC's name and details will be transparently shown to you before you accept any loan.

Welcome — you're exactly who LoanDidi was built for. We use Account Aggregator data (your real bank cashflow) and alternative signals to assess your repayment capacity, not just your CIBIL file. Many of our users are first-time formal borrowers, including gig workers, shopkeepers, and salaried staff in Tier 2/3 cities.

Absolutely — gig workers, drivers, vendors, shopkeepers, and small business owners are a core audience for us. As long as your bank account shows consistent inflows (UPI, transfers, etc.), you're eligible. We don't require a salary slip or a "white-collar" job.

Most payday apps "spray and pray" — approve everyone, charge huge rates, and harass on recovery. LoanDidi is the opposite. We have stricter underwriting, fully transparent pricing, RBI-compliant collections, and a relationship model — repeat borrowers get faster approvals and better terms. We'd rather lend less and serve well, than over-lend and ruin lives.