Udhaar - Micro Credit & Instant Personal Loan App

Running out of cash?💰Not getting a loan? Banks not approving your credit card? 💳Credit Score not good? 💯 Udhaar is for you, enjoy short term credit and loans with low interest rates. Build and check your credit score (aka CIBIL Score) regularly with us and unlock financial services from various banks, NBFCs & MFIs. 🏦

No need to ask friends for credit, get Udhaar instant credit, repay in couple months, enjoy benefits just like a credit card. 💸💵 Simple documentation process, an easy way to grow your creditworthiness. Get your own udhaar khata book for shopping & personal expenses, no more requesting for udhar at kirana store, shop, or from friends.

We transfer money directly into your bank account using UPI, IMPS, NEFT. No paper work. Low fees, easy & secure transaction🔒 with BHIM UPI, no need of wallet apps to transfer money.

Now you can do prepaid mobile recharge online, DTH recharge, pay your postpaid bills on the Udhaar app. Pay landline bill, broadband, water bill, and electricity bills easily. Also Pay Insurance premium using BBPS Bharat Bill Payment System 🧾📲. Recharge FastTag 🚖. You can buy car, bike, accident & health insurance as well.

Apply for Personal Loan, bike loan, car loan & home loan which we serve through our partners, We strive to match you and provide the best low interest rates from our financial partners.

Our Instant Loan & mobile credit line is currently only for beta customers having access code. Keep the app on phone to get notified when we open access for waitlist users.

We are transparent in the pricing and don't charge any additional or hidden charges. Full online digital paperless experience. Withdraw as much and as many times as you like and repay to unlock more. Easy and consumer-friendly loan repayment reminders well before the due date, so you don't miss out and pay any zero extra charges and penalty.

Our deals and offers 🏷🆓 sections also provides tips about money saving tricks, a rupee saved is a rupee earned! Check our various online financial services and best offers & rewards from our partners inside the app. ₹ Earn Money, Save, Borrow and Invest wisely for a secure financial future.

Explore a range of financial services to help you save and earn money. Learn and read articles & content on financial literacy and make better decisions. 💯

Upcoming Features: Launching very soon all types of medical emergency loan, wedding marriage loan, education loans with comparison, and fast loan applications at low interest.

Cardless Credit and Loan EMI options of short and long duration. Choose instalments as per convenience.
*Also misspelled as Udhar App for loan.

Convenient Tenure starting from 62 days to 1 year.
Interest rate from 12% - 36% per annum depending on customers' risk profile and tenure and lending partner rates as per regulations of RBI.

Eg. Interest calculation 🔢
When you borrow ₹5000 for 3 months, the maximum total interest paid will be ₹303, monthly EMI of 1768*3 = Total Rs.5303


Udhaar is recognized by DIPP, Govt. of India as a fintech startup for innovating in financial space and driving financial inclusion. We use India Stack products: NPCI BHIM UPI, Aadhaar & Digilocker for KYC services to ensure fast processing.

Safety, Security and Sensitive Data Permissions: 🔒

Udhaar app does not read or store your personal SMSs, bank OTP's, passwords, or account numbers. We recognize accounts based on the last four digits mentioned in an SMS. Udhaar uses necessary standards of security & encryption to keep your data safe & secure.The app only accesses your business and financial transaction SMS to assess the creditworthiness and provide a seamless way for you to access online credit.

The app requires the following permissions to function properly:

SMS - READ_SMS, RECEIVE_SMS

This is required to read your financial SMS sent by banks and businesses. Your financial transactions are used to assess your risk just like bank statements do and help us serve you.