Up to ₹ 2 lakh — disbursed in minutes, not days.
LoanDidi gives Bharat's working families a small, honest loan for the moments that can't wait — a hospital bill, a school fee, a phone for work, the gap before payday. We can approve up to ₹2 lakh, but our focus stays on the smaller, everyday amounts — ₹5,000 to ₹50,000. No collateral, minimal paperwork, and a real person on the line if you need one.
A personal loan is the most flexible way to cover an unexpected, immediate need — without pawning anything or waiting on a bank queue. Here's what makes ours different.
Once your application is approved, the amount lands in your bank account fast — built for emergencies that can't wait for tomorrow.
Unlike a home or vehicle loan tied to one purpose, this money is yours to use for whatever the moment demands — medicine, fees, rent, a repair.
Our loans are fully unsecured. You don't put up gold, land, or a co-signer to qualify — your need and your repayment ability are what matter.
Short, clear tenures matched to your cashflow. You see exactly what you'll repay before you accept — no fine print, no surprises.
Illustrative example for a ₹50,000 loan repaid over 12 months at an interest rate of 14% p.a. with a processing fee of 2%. Your own interest rate, processing fee and other charges are set on a risk-graded basis by our RBI-regulated NBFC partner, Collocate Merchants Private Limited (RBI Certificate of Registration No. B-05.05188), and vary with your credit profile, loan amount and tenure. Every charge that applies to your loan is set out in full in the Key Fact Statement, which you receive before you accept any loan.
All fees and charges are communicated to you upfront in the Key Fact Statement before you accept a loan. Loans are sanctioned and disbursed by Collocate Merchants Private Limited; approval is at the sole discretion of the partner NBFC.
No surprises. No fine print. Move the sliders and see your repayment plan.
How we calculate: Your instalment is worked out on the loan amount, the annual interest rate applicable to your risk profile and the number of months you choose, with interest charged only on the amount still outstanding. A one-time processing fee applies separately. This is an indicative estimate only — your final tenure, rate and charges depend on your credit profile and our partner NBFC’s policy, and are set out in full in the Key Fact Statement before you accept any loan.
Medical bills & emergencies
School, exam & coaching fees
Rent, deposit & home needs
A phone or appliance
Any urgent, everyday need
Loan amount
Up to ₹2 lakh
Interest
From 14% p.a.
Processing fee
From 2% (one-time)
Age
18 years & above
Indian resident, aged 18 or above.
A steady source of income — salaried, self-employed, or gig.
A valid PAN and a bank account in your name.
First-time and thin-file borrowers are welcome.
PAN card (identity proof).
Aadhaar or another address proof.
Recent bank statement (often verified via Account Aggregator).
Income proof, where applicable.
It's a single, honest personal loan — you decide what it's for. People come to Didi for moments like these:
Small-ticket by design. The right amount for a real need — never a debt trap. Final eligibility depends on your profile and our partner NBFC's policy.
These are illustrative amounts. Your sanctioned amount, tenure, and rate are confirmed before disbursal in your Key Fact Statement.
A personal loan is an unsecured loan — money you borrow without putting up any asset as security — that you can use for almost any genuine need. Because there's no collateral and the paperwork is light, it's far quicker to get than a home or vehicle loan. You repay it in agreed instalments over a fixed, short tenure.
At LoanDidi, we keep it right-sized: up to ₹2 lakh. That's enough to handle a real emergency or a planned expense, but never so much that it pulls a family into a cycle of debt. We lend to working Indians who have steady cashflow even if they don't have a thick credit file — first-time borrowers, gig workers, shopkeepers, and salaried staff alike.
Apply entirely online from your phone — no branch visit, no queue.
Minimal documentation; most of it is verified digitally.
Eligibility assessed using Account Aggregator data and a fair, AI-assisted review — not just a bureau score.
Quick disbursal straight to your bank account once approved.
Transparent repayment via UPI / eNACH, with everything disclosed up front.
A real Didi on call if you're unsure about anything.
Apply— share a few basic details and the amount you need.
Connect your bank data securelythrough the RBI-regulated Account Aggregator framework.
Get a fair decision— our partner NBFC reviews and approves eligible applications.
Receive fundsin your bank account, fast.
Repay digitallyon the agreed dates — no running around.
Processing fee
From 2% of the loan amount (one-time)
Interest rate
From 14% p.a.
Penal / late charges
As disclosed in your loan agreement
Foreclosure
As per partner NBFC policy
Rates and fees vary by borrower profile and are set by our regulated NBFC partner. The full, final breakdown of every charge that applies to your loan is shared in your Key Fact Statement (KFS) before you accept the loan, in line with the RBI Digital Lending Directions, 2025.
Same honest personal loan — framed around the need it solves. Pick the one that fits your moment.
For a hospital bill or an urgent health expense that can't wait.
Buy the phone you need for work or study, repaid over time.
For a trip home, a family event, or a long-planned holiday.
Cover a function or wedding-related expense with dignity.
Exam, semester, or coaching fees — so learning never pauses.
An appliance or gadget for the home, paid in easy instalments.
Bridge the down-payment for your new two-wheeler.
Celebrate the season without straining the month's budget.
Cover a rent gap or a new-home security deposit.
Smooth out a heavy utility or recurring bill this month.
LoanDidi offers personal loans up to ₹2 lakh. Your eligible amount depends on your income, repayment ability, and our partner NBFC's assessment.
For approved applications, once approved, disbursal is typically same-day, subject to bank processing.
No. Our personal loans are completely unsecured — you don't pledge any asset or arrange a co-signer.
Yes. We welcome first-time and thin-file borrowers. We look at your ability to repay using Account Aggregator data and a fair review, not only a credit-bureau score.
Almost any genuine personal need — a medical bill, school fees, a phone, rent, a repair, a family function. It's an unsecured personal loan, so the choice is yours.
LoanDidi is a brand of 36 Forts Capital Private Limited, operating as a Digital Lending App/Platform / Loan Service Provider. The loan is sanctioned and disbursed by our RBI-regulated NBFC partner, Collocate Merchants Private Limited.
Apply in minutes, or call us free — a real person will help you decide.