Trusted personal loan app for quick, transparent, and secure borrowing.
Rupeeontime is a reliable and RBI-compliant personal loan app operated by DEV-AASHISH CAPITAL PRIVATE LIMITED, an RBI-registered Non-Banking Financial Company (NBFC), holding RBI Certificate of Registration No. B-14.01763.
We help eligible salaried individuals in India get personal loans through a fully digital and transparent process.

Application DownLoad

📝 How It Works

👤 Eligibility

📊 Representative Example

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Note: Rupeeontime does not offer loans that require full repayment in 60 days or less, in accordance with Google Play’s Financial Services policy and RBI guidelines.

DEV-AASHISH CAPITAL PRIVATE LIMITED is an RBI-registered NBFC providing personal loans through the Rupeeontime App.
All loans are issued in full compliance with the Reserve Bank of India’s digital lending framework.

LoanFront is the most secure and trusted loan app in India to get an instant personal loan with easy EMIs and hassle-free repayment options. LoanFront is a digital product of Vaibhav Vyapaar Private Limited.
Loans are primarily lent by our own RBI Licensed NBFC, Vaibhav Vyapaar Private

 professional and secure personal loan service platform
PocketMitra a digital platform which enables simple and easily accessible application of loans.We offer paperless approval of documentation which is done online thereby resulting in wholly paperless transactions. 

Steps to use the product:

1. Download the PocketMitra app and log in with your mobile number to register;

2. Select the product you would like to apply for and fill in your personal information,then submit the application;

3. After the submission, you may receive a call for verification. The final application result will be shown in the APP and you will be informed by SMS if approved;

4. Provide the consent with the loan agreement after the approval;

5. After the confirmation of the loan agreement, the approved loan amount will be disbursed in the account and a SMS notification will be sent.

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Eligibility:

Indian citizenship.

Over 18 years of age.

Stable source of income on a monthly basis.

Why choose PocketMitra?

PocketMitra is an online loan product from an RBI-certified NBFC that is guaranteed to be transparent.
If you have a good credit history, it may provide you with a limited loan and better terms.
Your data is secure with us. It is transferred from the server over a secure HTTPS connection, and we do not share it with anyone without your consent.
 We process your instant loan application quickly and swiftly. No paperwork and no hassle because we put your needs first.

Loan Amount: ₹1000 to ₹20000
Loan Tenure: 91 days- 365 days
Maximum Annual Percentage Rate (APR): 35% per year
Maximum Monthly Percentage Rate:2.92%（35%/12 months）
Maximum Daily Percentage Rate:0.96%(35%/365 days)
Processing Fee: depending on loan tenure and amount
GST: 18% on processing fee as per law and policy of India

An example:

Loan Amount: Rs. 10000
Tenure: 6 months
Interest Rate: 22% per year
Total Interest Payable: Rs. 10,000 x 22%/12*6 (6 months) = Rs.1100
Processing Fees (4%): Rs.400(10000*4%)
GST(Processing Fees*18%): Rs.72(400*18%)
Annual percentage rate (APR): 31.44%
Total Amount Payable: Rs.10000+Rs.1100+Rs.400+Rs.72=Rs.11572

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Watch the videos below to learn more.

Instant Credit Loan

Loans to different type of Priority Sectors 

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Documentation: 

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How Does Viva Money Work?

Example: On 1st January, Rahul applies for a credit line loan of ₹1,50,000. He gets approved but doesn’t withdraw any funds initially. On 1st February, he withdraws ₹50,000 to buy a laptop. Since we offer a 51-day grace period, he can repay the amount until 20th March at 0% interest!

A processing fee of 4.5% applies on the total withdrawal of the first month, which drops to 2% for all upcoming month's withdrawals. If Rahul doesn’t want to repay within the grace period of the credit line, he can convert it into EMIs (5, 10, or 20 months). We offer interest rates ranging from 18%-40% APR at our instant personal loan app.

As an example:

Loan amount: ₹50,000

Loan Tenure: 5 months

Rate of Interest: 40% per annum

Processing fee: 4.5% = ₹2,250 + GST = ₹2,655

Total Interest: ₹8,330

Total cost of the loan: ₹2,655 + ₹8,330 = ₹10,985

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How to Apply for an Instant Credit Line Loan?

Get an instant loan in just 15 minutes by following these simple steps:

👉 Download the Viva Money - Instant Credit Line & Personal Loan App

👉 Log in with your mobile number

👉 Add your PAN & Aadhaar details and check your eligibility

👉 Complete KYC verification

👉 Get instant approval and access your credit line loan anytime!

Who Can Apply for an Instant Loan?

You can easily apply for a credit line through the instant loan app if you fulfill these criteria:

✅ Indian citizens only

✅ Minimum monthly income of ₹15,000 and household income of ₹25,000

✅ You must be in the age group of 21 to 64

Documents Required for Instant Loan:

✅ Selfie

✅ PAN Card

✅ Aadhaar Card

Secure & Reliable Lending:

Your privacy and security are our top priorities at Viva Money- Instant Credit Line App. We follow strict RBI guidelines and advanced encryption protocols to keep your data safe. Our lending partner, FincFriends, ensures a seamless and transparent borrowing experience for credit lines.