Glossary

Digital Lending

Loans sourced, assessed and serviced largely through apps and online platforms, governed by RBI's 2025 directions.

What it means

RBI's Digital Lending Directions, 2025 consolidated earlier guidelines: loans must disburse directly to the borrower's account, a Key Fact Statement and cooling-off period are mandatory, data collection must be need-based with consent, and lenders must publish their LSP and app partners.

The rules apply to bank and NBFC loans sourced through apps, including those arranged by platforms and agents. They do not legitimise unregulated apps; borrow only from RBI-regulated lenders.

Where it applies

Personal Loan

Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.

Rate from: 10.25% p.a.
Up to: ₹50 L

More terms

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