How to take loan from NIRA App: NIRA is a mobile loan application with the help of which one can get an instant personal loan up to Rs.1 lakh. If you are in urgent need of money and you are not getting money through any means, then friends you can take the help of NIRA app. You need minimum documents, criteria to apply from this app.
Let us know what is the NIRA app, how to get a personal loan, what are its features, what documents will be required, you are going to get all the A to Z information related to it.
What is NIRA App
NIRA is a digital mobile lending application with the help of which you can get loan from ₹ 5000 to ₹ 100000 in a few minutes. You don’t need any salary slip, any guarantor when you apply from this app as it gives you instant loan based on minimum documents, criteria.
NIRA app gives this loan in collaboration with some Lending Partner which can be used at the time of need. This app provides loan for short tenure.
Who is the Owner of NIRA?
NIRA app was launched on 23 APR, 2018. The (CEO / Co-founder) of this app is Rohit Sen and (Co-founder) Nupur Gupta. Its main branch is in Bangalore (Karnataka). This company is approved by NBFC and follows the guidelines of Reserve Bank of India (RBI). The company also has partnerships with several reputed banks such as:
- Muthoot Finance
- Pincap Business Loans
- Ujjivan Small Finance Bank
- LIQUILOANS
- Dhanvarsha
- OML
- KUDOS FINANCE
This app also provides various types of finance services like: Personal Loan, Instant Cash Loan, Mobile EMI Loan, Small Loan etc.
The company has branches in more than 6 cities in India. This company also has its own official website, App, through which you can apply for loan, you can also talk to customer care for more information.
You can know the loan interest rate and many more things can be done through the website. So far this app has been downloaded by more than 10 lakh people on Google Play Store and it has also got 4.3 rating.
How to Take Personal Loan from NIRA
Through the NIRA app, one can take a loan for personal needs like any unusual expenses, child’s wedding, home renovation or furnishing, children’s higher education, family vacation, or any other need. It can be used to meet individual needs.
Taking a personal loan from NIRA app is very easy, you can apply it online without any paperwork, without any hidden charges through a digital process. It is mandatory to have minimum documents, criteria before applying NIRA personal loan.
How to Apply for Personal Loan:
Step 1. Install the Nira app from Google Play Store.
Step 2. Next, registers online with your email id and mobile number.
Step 3. Application Application Form has to be filled.
Step 4. Fill your details and upload required documents like Aadhar card, PAN card.
Step 5. Set up your inbuilt auto-debit system and choose your loan amount.
Step 6. It may take 3 to 5 minutes for loan approval, so you have to wait.
Step 7. Immediately after the loan is approved, the loan amount is received in your account instantly.
What are the Documents Required for NIRA Loan?
The list of documents you need to provide for availing personal loan from NIRA app are:
1. PAN Card
2. Proof of Address
3. Source of income
4. Bank account with active net banking
5. Aadhar Card
6. Photograph
Loan Eligibility / Eligibility
The criteria for availing NIRA personal loan are as follows:
1. You must be an Indian citizen above (21-65) years of age.
2. You must have a college degree.
3. If you do a job then you should have at least 6 months experience.
4. Your monthly income should be more than ₹ 12,000.
5. Your credit score should be above 681.
6. You must have an Email, Address Proof and a Mobile No.
7. You must have a functional Smartphone and Internet connection.
8. You must have a valid residential proof.
9. You must have a personal bank account with access to Internet Banking.
How Much will be the Maximum loan
NIRA personal loans are generally taken by salaried and self-employed individuals. This loan can be availed from ₹10,000 to more than ₹1,00,000/- to meet personal needs like paying emergency medical bills, for the education of your children, or just for meeting monthly expenses.
Note: This loan depends on your credit score, how much loan will be given to you.
Some important things related to personal loan:
- Loan amount: Minimum 10 thousand, maximum above one lakh
- Interest Rate: 1.67% to 2.25% Monthly
- Time Duration: 3 to 12 months
- Approval time: 3 minutes only
How to take NIRA Instant Cash Loan
NIRA Instant Cash Loan is a type of small amount loan which has a short repayment period. These loans start from ₹ 5,000 thousand to ₹ 1 lakh, with a repayment period of 30 to 90 days.
Whether you are in college or recently employed, NIRA assures you a cash loan when you need it.
You can also take this loan for emergencies like if there is an emergency in your home, or if you have suddenly found the right deal on a phone that you want to buy but you do not have enough money in your account. You can take benefits of this loan.
Eligibility: If we talk about the eligibility of this loan, then you should be 18 years old to take this loan. Right now you get to see this service only in some cities of India, but this service is still not available on some pin codes.
The personal details that are asked from you, you have to submit those details correctly so that you can get Approval quickly.
Documents: The list of documents you need to provide for availing loan from NIRA app are:
- PAN Card
- Proof of address
- Source of income
- Details of your bank account
How Much will you Get Max Loan
With the help of NIRA Cash Loan app, you can take an instant loan (3%-4%) in more than 5000 Indian cities from 10 thousand to 1 lakh rupees at monthly interest rate.
Some important things related to Cash Loan:
- Loan amount: Minimum 10 thousand, maximum above one lakh
- Interest rate: 3% to 4% monthly
- Time Duration: 3 to 12 months
- Approval time: 3 minutes only
How to take NIRA Mobile EMI Loan
Mobile Emi Loan is such a loan through which you can buy mobile. You can get loan from Rs.5,000 to Rs.1 lakh through NIRA app from AMAZON, FLIPKART and other shopping online stores.
Through the NIRA app, you can buy a phone on an online mobile loan without zero down payment by paying a small EMI every month. You can pay it in monthly installments.
Eligibility:
The eligibility of Mobile Emi Loan is as follows:-
1. Your age should be more than 21 years and between 65 years.
2. You must have an income source.
3. You must be a citizen of India.
4. You must have proof of identity or address that has been approved by the government, such as your Aadhar, Voter ID and Passport.
Documents:
The list of documents you need to provide for availing loan from NIRA app are:
- PAN Card
- Proof of Address
- Source of income
- Bank account with active net banking facility
- Aadhar Card
- Photograph
How much will you get Max Loan
Mobile Emi can be availed through NIRA app from 5,000 thousand to 1 lakh rupees. You have to pay it in monthly installments. This is a type of small loan, which has a short repayment period.
Some important things related to Mobile Emi Loan:
- Loan amount: Minimum 5 thousand, maximum one lakh
- Interest Rate: 3% to 4% monthly
- Time Duration: 3 Months
- Approval time: 3 minutes only
Processing Fee: A flat amount of Rs.500 is charged for the first loan. For the second loan, the amount will be reduced to Rs.250.
NIRA Customer Care Number
If you face any kind of problem then you can get information through email.
Customer Email: [email protected]
Address: NIRA, 2nd floor, UrbanVault Indiranagar, 2024, 16th Main Rd, HAL 2nd Stage, Kodihalli, Bengaluru, Karnataka 560008.
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Conclusion:
You must have liked our post today, which I have told you about what is NIRA app, and how to take instant loan in just 15 minutes through NIRA app and this information must have proved to be important for you.
FAQ to Nira App
Q1. Is NIRA app secure?
Ans. Yes, this app is safe as this app is approved by RBI and NBFC.
Q2. Why should we take loan from NIRA app?
Ans. You should take a loan from NIRA app because it has many benefits which are as follows:
1. This app gives you a personal loan sitting at home from your phone.
2. No guarantee of any kind is to be given.
3. Loan is available in the shortest possible time.
4. Loan is available without credit history.
5. Can take loan only with KYC document.
6. Do not have to pay any kind of hidden charges.
7. Loan can be applied all over India.
8. Money is credited to your account in less than 24 hours.
9. No fee is to be paid before the loan.
