NIRA Personal Loan

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individuals. The loan will be similar to a Credit Card where there is a pre-set limit which you can utilise the way you desire. Get instant NIRA personal loan of up to Rs. 1 Lakh online at attractive interest rate of 24% to 36% p.a. The repayment tenure varies from 3 to 12 months. You can prepay the loan after 3 months at zero additional charges. Apart from interest rate, the borrower also has to pay a processing fee of up to 2% of the loan amount.

Features

• 100% digital & paperless process
• loan up to Rs.50,000 to 10,00,000
• Quick loan disbursal
• Low interest
• Flexible repayment tenure

Nira Instant personal Laon App 2022
Nira Instant personal Laon App 2022

Instructions

• Available for only new users, your customers should not have any existing relationship with Nira.
• Your customer has to get the loan from Nira by using your link
• Make sure that the same mobile number shall be use in complete onboarding process
Process

  1. Suggest ‘Nira’ to everyone in your network (Friends/customers)
  2. Click on the “Apply” option and share the link with interested customers
  3. Ask your customer to click on the link shared by you and choose ‘Nira’ from the screen
  4. Customer needs to enter the name, mobile number, Email ID and Pincode then click on ‘start journey now’
  5. Now the customer will be redirected to the play store app to install Nira app
  6. Now select the language and click on ‘Ok’
  7. Select the loan amount and tenure on the screen and click on ‘Proceed’
  8. Mark in the check box and accept T&C and click on ‘I Agree’
  9. Allow accessing device, location then enter the mobile number and verify with the received OTP
  10. On the next page select employment type, mention where do you get your salary, monthly income, and click on ‘Proceed’
  11. Now submit personal details and click on ‘Proceed’
  12. Mention the purpose of the loan, how much loan you need, and click on ‘Proceed’
  13. After reviewing the details system will show the eligible loan amount to the customer click on ‘Finish Process’
  14. Now add company details, verify company email ID or upload employment proof like Offer later/employee ID
  15. On the next page complete KYC by clicking on ‘Apply now’
  16. Now submit current address details and emergency contact details
  17. Submit salary account details like account number, IFSC code and proceed
  18. Now verify Bank statement through net banking or upload Bank statement.
  19. Now upload address proof and click on ‘Next’
  20. On the next screen mark in the check box and click on ‘Accept’ to generate the credit report
  21. Enter the OTP received on the mobile number and click on ‘Proceed’
  22. Credit score will be shown on the screen, click on ‘Continue’
  23. Now eligible loan amount will be shown on the screen, click on ‘Proceed to get the loan’
  24. Enter Aadhaar number and click on ‘Start Aadhaar KYC’
  25. Once the Aadhaar KYC is done customer needs to sign a sanction letter. Mark in the check box and click on ‘confirm’
  26. After that set up eMandate to repay your loan amount automatically.
  27. After this final verification will be done by the system & if customer’s details are correct then the loan will be approved and transferred into the bank account.
  28. Once the loan will be disbursed, the lead will be tracked after 5 working days.
Direct Eligibility Check
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FAQ’s

  1. Why ‘Nira’?
    NIRA is an Indian consumer finance business that offers small loans to low-income salaried. individuals. The loan will be similar to a Credit Card where there is a pre-set limit which you can utilise the way you desire.
  2. To whom I should refer Nira?
    Customer’s age should be between 21 – 55 Years, they should be salaried individual and income should be Rs.11,000 to Rs.40,000.
  3. What are the benefits of a Nira?
    • 100% digital & paperless process
    • Get loan from Rs.5,000 to Rs.1,00,000
    • Quick loan disbursal
    • Low interest
    • Flexible repayment tenure
  4. How long does the application process take?
    The application process is very easy and should not take more than 15-30 minutes of your time.
  5. What is the tracking time?
    Once the loan will be disbursed and the amount is credited to the customer’s bank account it will take at least 5 days to track the lead.
  6. What are the documents required to avail of a personal loan from Nira?
    • Aadhaar Card
    • PAN Card
    • Address Proof
    • Income Proof
    • Bank Statements (Last 3 Months)
  7. How long does it take to disburse its personal loans?
    Once the application will be submitted system will verify the details. If the details are correct then the loan will be disbursed within 48 hours.

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