Upstox Loans

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.

Example:
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
care@incred.com
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.