Question 1

How long does the entire application process take?

Accepted Answer

From file login to end to end disbursement, the whole process is done within 48 hours

Question 2

What if my loan is rejected? Can I reapply?

Accepted Answer

If rejected, we’ll explain the reason. Most rejections happen due to CIBIL issues, recent defaults, or incomplete documentation. Address the concern and reapply after 6 months. Many applicants get approved on a second attempt with improved profiles.

Question 3

Do I have to submit original documents or are copies enough?

Accepted Answer

Digital copies are sufficient for initial submission. If your application is approved, we may request original documents for verification before final disbursal. This is standard banking practice.

Question 4

After getting approved, can I request a higher loan amount?

Accepted Answer

You can discuss a higher amount with your relationship manager before signing the agreement. If approved, we can revise your sanction letter. After the loan is disbursed, you can apply for a top-up loan after 6-12 months of timely repayment.

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