Official ID
Valid national ID or passport. Some fintechs accept a driver's licence as a secondary document.
Your file, ready before you click "apply"
✔ Up to 70% of rejections in India come from incomplete files, not bad profiles.
⚠️ Stay away from unregulated loan apps not listed on the RBI's registered NBFC list — they are often predatory.
Proof of income
Last 3 pay slips or latest tax return. Self-employed: 6 months of bank statements.
Proof of address
Utility bill or tenancy agreement less than 3 months old.
Credit bureau history
Lenders check CIBIL (TransUnion), Experian India, CRIF High Mark, Equifax India. Review your own report before applying — errors are common.
Bank statements
Ideally 3–6 months of the main account. A stable balance improves eligibility materially.
Existing debts
List of active cards and loans, even ones not yet showing in bureaus.
💡 Organise your file BEFORE the hard bureau pull. Once submitted, the inquiry leaves a footprint that can dent your score.
👉 Compare offers methodically →
Re-run the quiz with different answers →