Frequently asked questions
Clear answers about our loans, documents, repayments and your safety. Still have a question? Ask us on WhatsApp.
Who can apply for a loan?
Women, families, small shop owners and daily earners who meet the eligibility for a loan. Loans start from ₹10,000. Most loans need you to be at least 18 with a regular income. Message us and we will tell you which loan suits you.
How do I apply?
Send us a message on WhatsApp. We explain the loan, list the documents you need and guide you through verification. Asking is free.
What documents do I need?
Usually your Aadhaar card, PAN card (or Form 60), photos, address proof and bank details. Some loans need income, shop or vehicle papers. Each loan page lists them.
What is the interest rate?
It depends on the loan, the amount, the number of months and your eligibility, as per our Interest Rate Policy. You get the exact rate and total cost in writing before you accept.
What fees do you charge?
All charges are listed on our Fees and Charges page and shown in your loan offer before you sign. Asking about a loan is always free.
How long does it take to get the loan?
It depends on the loan and how quickly your documents and verification are done. Our team will tell you the timeline when you ask.
Is my information safe?
Your details are used only for your enquiry and loan. Forms on this website open your own WhatsApp; the website does not store anything. See our Privacy Policy.
Can I repay my loan early?
Ask our team about early repayment for your loan. Any charge is listed on our Fees and Charges page.
What if I have a complaint?
WhatsApp or email us. You can also follow the steps on our Grievance Redressal page.
How can I spot a fake loan offer?
Jyothika never asks for money before a loan is approved, and never asks for your OTP, UPI PIN or bank password. If anyone does, do not pay. Message us on our official WhatsApp number.