Upstox Loans

Upstox - Stock Market Trading & Demat Account App

About this app

Finance made fast, simple & seamless with Upstox Loans

From unplanned expenses to your next big life goal—whatever the need, Upstox Loans makes borrowing stress-free and instant. Brought to you by RKSV Securities Pvt. Ltd. , we offer access to personal loans from trusted NBFCs and banks, through a fully digital and secure experience.

💸 What you can do with Upstox Loans:

• Get instant personal loans - up to ₹10 lakh
• Zero paperwork - 100% digital process
• Quick disbursal - funds sent directly to your bank account
• Personalised offers - based on your Upstox profile & credit score
• Check loan eligibility & credit profile in seconds
• Track status & download documents right from the personal loan app

⚡ Instant Personal Loans
Upstox Loans offers fast, unsecured personal loans with flexible repayment options and competitive rates—available to both salaried and self-employed users.

• Loan amount: ₹20,000 to ₹10,00,000
• Tenure: 6 to 60 months
• APR: Starts from 13.99% - 36%
• No collateral required
• Instant disbursal upon approval
• Transparent processing fees and no hidden charges

📍 Note: Personal loans are subject to approval and are available for select users only. And the maximum interest rate (APR) you could be charged is 36%.

Let's look at a sample loan calculation:

Personal loan Amount: ₹2,00,000
Tenure: 36 months
Interest Rate: 24% p.a.
Processing Fee: ₹5,900 (incl. GST)
EMI: ₹7,210
Total Interest: ₹79,546
APR: 26.5%
Net Disbursed: ₹1,94,100
Total Repayment: ₹2,79,546

🏦 Lending Partner(s)

All personal loans are disbursed by RBI-registered entities. Upstox does not disburse loans. Currently partnered with:

InCred Financial Services Ltd
📞 022-42117799
📩 [e-mail]
💬 Chatbot: 8826272192
🌐 www.incred.com

🧾 What’s needed to apply for a personal loan?

• You may be asked to submit:
• Aadhaar & PAN for KYC
• Bank account details for disbursal
• A selfie for ID verification

📌 Additional documents may be requested based on your profile.

✅ Eligibility Criteria for a Personal Loan

Eligibility is determined by lending partners. Common requirements include:

• Indian citizens (age 21–65)
• Salaried or self-employed
• Meeting the lender’s income criteria
• A credit score aligned with the lender’s risk policy

🔁 Repayment & Prepayment of Personal Loan

• EMIs are auto-debited from your registered bank account via eNACH
• Maintain a sufficient balance to avoid bounce charges
• Foreclosure or part-payment allowed (may attract additional charges as per lender’s policy)

🔐 Secure & Transparent

Upstox is committed to responsible lending practices. You will receive your Sanction Letter, Loan Agreement, and Key Fact Statement (KFS) on your registered email for complete clarity.

📄 Privacy Policy: https://upstox.com/terms-of-use-and-privacy-policy/

Ready to make your next move?
Download the Upstox Loans App and get funds on the go—fast, flexible, and fully digital.