Instant Loan & Personal Loan & Advance Salary App

Phocket is India’s most preferred AI based Instant Loan, Personal Loan & Advance Salary App for Salaried Professionals at the lowest interest rates with No hidden costs, 100% transparency and No collaterals. We are accessible both via Mobile App and Web ( . The application process is super convenient, hassle-free and can be filled within 10 minutes. Documentation requirement is also minimal, Approvals are done instantly for completed applications and money is transferred directly to the bank account of the applicant.

Shop Now & Pay later - A loan option where you can Buy anything Now, Pay Later in EMIs. Via this option, you can avail e-vouchers on Phocket App on loan, purchase on Phocket's partner platforms Flipkart & Amazon and pay later in EMIs.

👉Salaried Professionals above the age of 20 years.
👉Minimum take home salary of INR 15,000.

Documents Required
🔸Address Proof (Aadhar, Passport, Driving License, Voter Id, etc)
🔸PAN Card
🔸Last 2 Months Bank Statement
🔸Latest Salary Slip

Available Cities
✅We are live in selected cities across India.

Key Highlights and Features
🔸Amount ranges between INR 5,000 and INR 2,00,000
🔸Minimum Annual Percentage Rate – 0%
🔸Maximum Annual Percentage Rate – 30%
🔸Minimum Loan Tenure - 62 days
🔸Maximum Loan Tenure - 365 days
🔸Flexible Repayment EMI(s)
🔸Instant Approval and Disbursement
🔸No Collaterals, Fully Automated and Paperless
🔸Easy Online Process, Fast and Reliable services
🔸100% Transparency and No Hidden Charges
🔸Instant cash transfer in the provided bank account
🔸No Prepayment Charges
🔸Multiple Repayment Options - UPI, Direct Bank Transfer, Paytm, PhonePe

Sample Illustration
Loan Amount – INR 1,00,000
Tenure – 90 days
APR – 24%
Processing Fees – INR 2,990
In-Hand Amount – INR 97,010
Interest – INR 5,917
Total Repayment Amount – INR 1,05,917
Monthly EMI – INR 35,306

Data Security & Privacy
🔒All the data is transmitted using secure HTTPS protocol
🔒All the transactions are secured via SSL encryption
🔒Implemented Multi-Level Authentication and Authorization to make the app Ultra Secure
🔒Got our App audited from a top Security and Audit Company
🔒Do not archive/store customer data for rejected applications

The app requires the following permissions to function properly :

Required to read your financial SMS sent by banks and biller. Your financial transactions are used to create your financial and risk profile.

Location -
Required to verify your location for credit profile enhancement

Apps -
Required for credit profile enhancement

Contacts -
Required for verifying your references automatically

Storage -
Required for credit profile enhancement

Approval Process
Instant Online Personal Loan Approvals happen instantly
✔For first time users (new customers), an applicant needs to e-sign the loan agreement and give auto-debit authorization via net banking e-mandate. Once these formalities are completed, the disbursement happens the same day
✔Loan amount will be transferred directly to the provided bank account of the applicant

🏆Moment of Fame at the Nasdaq Tower at New York's Time Square for successful disbursement of 2,500 loans.
🏆Shortlisted to represent India as an exhibitor at the Singapore Fintech Festival 2018 and 2019 - the World's largest event for the fintech community.
🏆Covered by Yourstory (
🏆Adjudged Startup of the Year at YMCA MOB Business Summit and GBM 2018

Phocket is working with RBI compliant NBFC - DRP Financial Services Pvt Ltd. (

Contact Us
For any kind of help or support, feel free to send an email to or call us at 8010700600
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What's New

Some major bugs and issues fixed.
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Additional Information

September 13, 2021
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
Phocket - Instant Access to Cash
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