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InstaMoney Personal loan
InstaMoney Personal loan

Get that cash disbursed within a few hours and be done with financial emergencies

Fees & Charges
Joining Fee FREE
Annual Fee FREE
Key Benefits
Shopping Fuel Rewards Cashback Travel
Official BankSathi Live API Framework
1
Mobile & PAN
2
OTP Verification
3
Profile Details
4
Lead Submission

Step 1: Check Eligibility & Begin

Enter your registered mobile number and PAN card details for instant verification.

+91
Must be 10 digits starting with 6, 7, 8, or 9
Standard PAN Format (e.g. ABCDE1234F)
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Product Details, Guidelines & Benefits

Official parameters, required documents, rules, and benefits retrieved from BankSathi API

Official API Information
Eligibility Criteria
  • ✔️ Age: 21 to 45 Years
  • ✔️ Employment Type - Only salaried
  • ✔️ Income- Rs.12,000/month
  • ✔️ Credit score- Any* (Except* Delhi, Uttar Pradesh, Bihar, Odisha, Jharkhand, Chhattisgarh, and West Bengal customers require credit score)
Documents required
  • ✔️ Aadhaar Card
  • ✔️ PAN Card
  • ✔️ Address Proof
  • ✔️ Income Proof
  • ✔️ Bank Statements (Last 3 Months)
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Tracking time
  • ✔️ Leads will be tracked within 15 working days of submission
  • ✔️ The commission will be credited into your BankSathi wallet within 15 days after your lead has been tracked in Banksathi's dashboard
How to get your commission
  • ✔️ Earnings can be transferred directly to your bank account.
Step by step process
  • ✔️ Suggest 'Instamoney Personal Loan' to everyone in your network (Friends/customers)
  • ✔️ Click on the "share to customer" option and share the link with interested customers
  • ✔️ Ask your customer to click on the link shared by you and submit their name, mobile number, email ID, Pincode, and click on start journey now.
  • ✔️ Customer will be redirected to the Instamoney website where they can proceed to register.
  • ✔️ Enter mobile number and verify with the OTP
  • ✔️ Enter PAN card details like PAN number, full name, Date of birth, and select gender.
  • ✔️ Add professional details, first select employment type, then enter a company name, designation, work experience, and monthly salary and click on 'Save and continue'
  • ✔️ Customers need to enter the pincode of their current location and confirm their credit details by selecting the right options.
  • ✔️ If a customer is eligible to get the loan then their eligible amount will be shown on the screen.
  • ✔️ Now customer need to select the amount and tenure and purpose for the loan, and click on 'Enable Credit Limit'
  • ✔️ Now the customer needs to pay Rs.199 assessment fees. Customer's income and credit score will be verified here.
  • ✔️ Customer has to complete live KYC, keep the documents handy and click on 'Proceed'. Upload the front side image of PAN Card, selfie and Aadhaar details and verify them.
  • ✔️ Upload the front and back image of Aadhaar card after that customers address details will be fetched automatically.
  • ✔️ In the next step the customer needs to upload bank statements. Customer can directly login via internet banking or they can directly upload PDF of their bank statement.
  • ✔️ Customer need to Submit their bank details
  • ✔️ Now complete auto debit set-up process, click on 'Submit' and proceed
  • ✔️ Customer will be redirected to the Bank website, enter User ID and password to login.
  • ✔️ Customer need to submit OTP received on their mobile number and verify it.
  • ✔️ Customer can see their details on the screen, please wait until the bank approves this. After some time, customer will get eNACH approval message on the screen.
  • ✔️ Customer will be redirected on Instamoney app again, and the approved loan amount can be seen on the screen. Click on 'Complete Now' and wait for some time.
  • ✔️ Now customers can see their loan agreement on the screen, mark in checkbox to accept the declaration and click on 'Save and Continue'
  • ✔️ Customer's application will be submitted and the system will do final verification. It will take up to 48 hours to approve/reject the application. If application is approved the loan amount will be disbursed directly into customers bank account.
Rules to follow
  • ✔️ Available for only new users (User should not have any existing relationship with InstaMoney)
  • ✔️ Your customer has to get the InstaMoney personal loan by using your Banksathi link
  • ✔️ If you are not able to finish the loan applying process due to any reason, then you have to complete the process using the same link, or else the lead would be rejected.
  • ✔️ Make sure that the same mobile number shall be use in complete onboarding process
  • ✔️ Customer mobile number should be linked with Aadhaar card
  • ✔️ Customer must complete the application on their device. if more than one customer use the same device to apply, then no commission will be paid.
1. Why 'Instamoney Personal Loan'?
  • One of the best options for a personal loan urgency. It requires minimum documentation and the loan can be disbursed within 2 hours.
2. To whom I should refer Instamoney Personal loan?
  • Customer's age should be between 21 to 45 and he/she should be a salaried person whose monthly salary should be a minimum of Rs.12,000.
3. What are the processing fees?
  • Customer needs to pay Rs.199 processing fees.
4. How long does the application process take?
  • The application process is very easy and should not take more than 15-30 minutes of your time.
5. How long does Instamoney take to disburse its personal loans?
  • Instamoney takes up to 48 hours to approve/reject a personal loan application and 3-5 hours to disburse the loan amount.