Eligibility Criteria

Indian Citizen

Must be a resident Indian individual with a valid PAN card.

Active Loan / Debt

Must have an outstanding loan from a recognised financial institution.

Verifiable Documents

Loan statement and PAN card must be available for verification.

Covered Loan Categories

Which Types of Debt Are Eligible?

We accept applications for the following categories of loans from banks, NBFCs, and recognised lenders.

Personal Loan Home Loan Vehicle Loan Education Loan Business Loan Credit Card Debt Other (case-by-case)

Not covered: Informal/private money-lender loans, chit fund debts, or loans without any formal documentation.

Detailed Requirements

All four criteria must be met for your application to be considered.

Personal Eligibility

Indian citizen, 18 years or older
Valid PAN card in your name
Active mobile number and email address
Must not be a declared bankrupt or NPA for more than 2 years
Must not have previously received relief through this platform

Loan & Debt Criteria

Outstanding loan amount between ₹10,000 and ₹5,00,000
Loan from a bank, NBFC, or recognised lender
Loan account number and IFSC code available
Loans older than 5 years without any repayment history are not eligible
Multiple simultaneous applications not permitted

Financial Hardship

Monthly income below ₹50,000 (salaried or self-employed)
Genuine inability to repay — job loss, medical emergency, business failure, etc.
Debt-to-income ratio above 40% preferred
Applicants with income above ₹50,000 may be considered case-by-case

Required Documents

PAN card (clear scan or photo — JPG/PNG/PDF)
Latest loan / EMI statement (last 3 months preferred)
Salary slips or income proof (requested during verification)
Medical/legal documents if hardship is due to such reasons
Blurry, cropped, or unreadable documents will result in rejection

Verification Process

What Happens After You Apply?

Once you submit your application, it enters our queue. When your turn comes, our compliance team verifies your case in detail before approving it for community support.

A ₹399 verification fee is charged when it is your turn to verify. This is used to conduct the checks listed here — ensuring only genuine cases are approved.

Application Submitted

Your application enters the queue. You can see your live position — it moves forward as earlier cases are processed.

Queue Turn Reached

When it is your turn, you receive an email notification to pay the ₹399.00 verification fee and begin the review process.

Bank Statement Retrieval

We obtain your loan account statement directly to confirm outstanding balance, EMI history, and repayment behaviour.

PAN & Identity Verification

Your PAN card is verified against government databases to confirm identity and rule out duplicate applications.

Lender Cross-Check

We verify the lender, account number, and IFSC to confirm the loan is genuine and currently active.

Compliance Review

Our team reviews all findings and assesses your case for genuineness, financial hardship, and eligibility.

Decision & Activation

If approved, your campaign is activated for community support. If rejected, you will receive a reason via email.

Important

Who Will NOT Be Approved

The following will result in automatic disqualification, regardless of other criteria.

False or Misleading Information

Any mismatch between your application and verified documents will result in immediate rejection and blacklisting.

Informal / Undocumented Loans

Loans from private moneylenders, relatives, or informal sources without proper documentation are not eligible.

Previous Relief Received

Applicants who have already received relief through this platform are not eligible to apply again.

Fabricated Documents

Submitting forged loan statements, fake PAN cards, or altered documents is a criminal offence and will be reported.

High-Income Applicants

Individuals with verifiable monthly income above ₹1,00,000 will not qualify for community-funded relief.

Corporate / Business Entity Loans

Only individual personal debt is covered. Loans taken in the name of a company or firm are not eligible.

Tips

What Makes Your Case Strong?

Complete & Clear Documents

Submit high-quality scans. Blurry or incomplete documents slow down the process significantly.

Detailed Hardship Reason

A specific, honest explanation of why you cannot repay — job loss, medical bills, family crisis — carries more weight.

Consistent EMI History

Showing that you were repaying on time before the hardship event strengthens your case considerably.

Accurate Personal Details

Ensure your name, PAN, and contact details exactly match your submitted documents.

FAQ

Frequently Asked Questions

No. The verification fee is non-refundable. It directly covers the cost of obtaining bank statements, government portal verifications, and compliance team review time — regardless of the outcome.

Typically 3–5 working days. Our team will contact you by email if any additional documents are needed during the process.

Yes, but you can only apply for one loan per application. Choose the loan with the highest outstanding balance or the one causing the most hardship.

You will receive a detailed reason for rejection by email. You may appeal by submitting corrected or additional documents. A second application can be submitted after 90 days if circumstances have changed.

We may contact your lender to verify the loan account as part of the verification process. We do not contact your employer unless specifically required and consented to.

Yes. Loans from RBI-registered NBFCs are fully eligible. Ensure you have the lender name, account number, and a recent loan statement available.

Yes. Self-employed individuals are eligible. You will need to provide bank statements showing your income and the loan EMI deductions as proof of financial hardship.

Once you have received community support, you are expected to contribute back to other applicants in the network — as and when your financial situation improves. This is the principle the community is built on.

Ready to Apply?

If you meet the eligibility criteria, submit your application now. The process takes under 5 minutes.