How to apply
No long forms. Start with one WhatsApp message and we will guide you through each step.
Step by step
Step 1: Message us on WhatsApp
You: Tap any WhatsApp button and send the message. Tell us which loan you need.
We: We reply with the next steps and the documents for your loan.
Step 2: Share your documents
You: Send copies of the documents we ask for. Keep the originals ready.
We: We tell you if anything is missing. Nothing more is needed.
Step 3: Verification
You: Answer a short call, or meet our team at home or at your shop.
We: We check your details and explain the amount, interest, fees, EMI and total in writing.
Step 4: Get your money
You: Read and sign the loan agreement if you agree with the terms.
We: The money goes to your bank account, with your repayment schedule.
What to bring
These are needed for most loans. Some loans need a few more; open your loan to see its list.
- Aadhaar card
- PAN card (or Form 60)
- Passport-size photos
- Address proof (if different from Aadhaar)
- Bank passbook or account details
- Income or shop proof, for some loans
Before you sign, check every charge on our Fees and Charges page.
Stay safe from loan fraud
- Jyothika never asks for money before a loan is approved. No “processing fee” in advance, ever.
- We never ask for your OTP, UPI PIN or bank password.
- Only trust calls and WhatsApp messages from +91 95159 67774 (opens WhatsApp in a new tab).