100% paperless
KYC is completed digitally with your PAN and Aadhaar. There is no paperwork and nothing to courier.
100% digital personal loans
Personal loans up to ₹5 lakh, ready in minutes.
Borrow ₹10,000 to ₹5,00,000 with flexible repayment. Apply online in minutes and get the money directly in your bank account — no branch visits, no paperwork.
- Zero paperwork
- Quick approval
- Direct bank transfer
By clicking Apply you confirm you have read and agree to our Terms & Conditions and Privacy Policy. Loans on ReadyRupee are provided by our RBI-registered NBFC partner, Jacaranda Capital Limited.
Plan your loan
Indicative₹10,000₹5,00,000
7 days12 months
Total repayable₹55,680
- Principal
- ₹50,000
- Interest (0.1%/day)
- ₹4,500
- Processing fee + GST
- ₹1,180
Illustration uses our starting rates — 0.1% per day interest and 2% processing fee (+18% GST). Your final rate, fees and repayment schedule are confirmed in your loan agreement and Key Fact Statement.
up to₹5 lakhLoan amount, from ₹10,000
FlexibleRepayment period
from0.1%/ dayInterest rate
as low as2%+ GSTProcessing fee
How it works
Three steps and the money is yours.
No branch visits, no photocopies, no waiting in queues. The entire journey is on your phone.
-
1
Apply online
Choose a loan amount from ₹10,000 to ₹5,00,000 and a flexible repayment plan that suits your need.
-
2
Verify your details
Confirm your mobile number with an OTP and complete a fully digital KYC with your PAN and Aadhaar.
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3
Receive your money
Once approved, the amount is transferred straight to your bank account — often within minutes.
Why ReadyRupee
Built for speed,
Built for speed,
designed for trust.
Everything you need from a personal loan — and nothing you don't.
Straight to your bank
Once approved, the money is transferred directly to your bank account.
No bank visits, no queues
Apply from your phone, wherever you are. The whole journey is online.
Flexible repayment
Choose a repayment period that suits you — and prepay any time.
No hidden charges
Your rate and every fee are shown upfront in your Key Fact Statement before you sign.
Your data stays safe
Encrypted in transit and at rest, used only to process your loan as described in our Privacy Policy, and never sold to third parties.
Eligibility
Who can apply?
Salaried or self-employed — if you earn a regular income, you're welcome.
- 21 to 58 years oldIndian resident
- ₹15,000+ a monthIncome from any authentic source
- Salaried or self-employedBoth are welcome
- Active bank accountIn your own name
What documents are required?
Approval in minutes — just keep these handy:
PAN card
Aadhaar
Bank account details
A selfie
Loan details
Know exactly what you pay.
Transparent terms, no hidden surprises. Your exact interest rate and fees depend on your credit profile and are always shown upfront in your Key Fact Statement before you sign.
Read our Interest Rate PolicyLoan amount
First-time borrowers may be offered a smaller limit, which grows as you build repayment history with us.
Repayment period
Choose a period that suits you. Your exact schedule is shown in your Key Fact Statement before you sign.
Interest rate
Interest is charged only for the days you use the money.
Processing fee
One-time fee of 2% up to a maximum of 10% of the loan amount, plus GST.
Prepayment
Repaying early reduces your interest cost. See your loan agreement for details.
Late payment
Penal charges apply as disclosed in your Key Fact Statement, and late payment can affect your credit score.
Borrow with confidence
Regulated lending. Fair, transparent practices.
RBI-registered NBFC
Loans on ReadyRupee are provided by Jacaranda Capital Limited, an RBI-registered NBFC.
Key Fact Statement first
See your interest rate, all charges and repayment schedule before you accept the loan.
Fair Practices Code
How we lend, communicate and collect — fairly and transparently.
Read the codeGrievance redressal
A clear process to raise a concern and get it resolved.
How to raise a concern
FAQ
Frequently asked questions
Everything you need to know before you apply.
What is ReadyRupee?
ReadyRupee is a digital lending platform that helps you get short-term personal loans of ₹10,000 to ₹5,00,000 quickly and entirely online. Loans are provided by our RBI-registered NBFC partner, Jacaranda Capital Limited.
How much can I borrow, and for how long?
You can borrow between ₹10,000 and ₹5,00,000. Repayment is flexible — you choose a repayment period that suits your needs, and your exact schedule is shown in your Key Fact Statement before you sign. First-time borrowers may be offered a smaller limit, which grows as you build repayment history with us.
How fast will I get the money?
Most applications are decided within minutes. Once approved and the loan agreement is signed, the amount is transferred directly to your bank account, typically the same day.
What documents do I need?
Just your PAN, Aadhaar and bank account details. KYC is completed digitally — there is no paperwork and nothing to courier.
What are the interest rate and charges?
Interest starts from 0.1% per day and the one-time processing fee starts from as low as 2% of the loan amount (up to a maximum of 10%), plus GST. Your exact rate and all charges are shown clearly in your Key Fact Statement before you accept the loan.
Can I repay early?
Yes. You can prepay your loan at any time. Early repayment reduces your interest cost since interest is charged only for the days you use the money. See your loan agreement for details.
Is my data safe?
Yes. Your data is encrypted in transit and at rest, used only to process your loan as described in our Privacy Policy, and never sold to third parties.
What happens if I miss a repayment?
Late payment attracts penal charges as disclosed in your Key Fact Statement, and can affect your credit score. If you expect difficulty repaying on time, contact our support team early — we will try to help.
Money for what matters — ready when you are.
Apply online in minutes and get the money directly in your bank account.