Questions, properly answered.

Resident Indians aged 21–58, salaried with monthly in-hand salary of ₹ 35,000 or more, with a bureau score of 600 or higher and a serviceable pincode.

Just your PAN and Aadhaar for KYC. Your latest 3 months bank statements may be requested digitally via Account Aggregator — never as PDFs over email.

Interest is charged at the daily rate (default 1% per day) on the outstanding principal. There is no compounding within the tenor.

A flat 10% processing fee plus 18% GST on the PF is deducted at disbursal. We disclose the net amount that will hit your bank account before you accept the offer.

Delay/penal interest of 1.25% per day on the sanctioned amount is levied for each day past the due date, until the loan is closed.

Yes, anytime from your dashboard. There is no prepayment penalty — you only pay accrued interest until the date of closure.

By default we auto-debit on the due date via NPCI eNach. You can also pay early from the dashboard via UPI, IMPS, NEFT or debit card.

We retry the eNach twice over the next 4 working days. After that, delay charges apply and our collections team will reach out.

A regulator-mandated disclosure summarising all charges and the APR. We render the KFS server-side from the same pricing engine that priced your offer.

All data is stored in India on AWS Mumbai (ap-south-1) with envelope-encrypted PII. We follow the DPDP Act 2023.

Yes — once your loans are closed and the regulatory retention window (7 years) has lapsed, you can request deletion from your dashboard.

Loans on PaisaSure are originated by our partner NBFC, NorthStar Capital NBFC Pvt. Ltd. — see the /partners page for the RBI Certificate of Registration.

Email grievance@paisasure.money with your reference number. If unresolved within 30 days, you can escalate to the RBI ombudsman via cms.rbi.org.in.