RBI Fair Practices Code Transparent Reducing-Balance Lending Across India
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Underwriting & Disbursal Workflow

A structured five-stage process from inquiry to bank credit.

We replaced repetitive branch visits and physical file movement with a clear digital underwriting workflow. Here is how your application progresses from initial pre-check to account disbursal within 48 hours.

Turnaround Benchmarks

Predictable timelines at every stage

Each application is tracked against strict internal service-level agreements (SLAs) and managed by a single relationship officer.

Standard SLA Summary

Typical Processing Schedule

01. Eligibility Pre-Check
Instant (60 seconds)
02. Digital Application
10 Minutes
03. Credit Officer Callback
Within 2 Business Hours
04. Sanction Letter Issuance
Within 24 Hours
05. RTGS / NEFT Disbursal
24 to 48 Hours
Start online application
01

Eligibility Pre-Qualification & Limit Discovery

Stage 01 · 60 Seconds

Begin by entering your monthly income, existing EMI obligations, and desired loan category into our online eligibility checker. You immediately receive an indicative borrowing limit and monthly EMI estimate.

  • Soft evaluation — zero impact on CIBIL score
  • Standardized FOIR debt-capacity calculation
  • No upfront registration fee
02

Online Application & Digital Document Submission

Stage 02 · 10 Minutes

Submit our concise inquiry form. A dedicated relationship officer contacts you within 2 working hours to verify your requirement and collect soft-copy KYC, income records, and bank statements.

  • 256-bit SSL encrypted document handling
  • Support for Account Aggregator & PDF statements
  • Dedicated application reference number
03

Credit Appraisal & Formal Sanction Letter

Stage 03 · Within 24 Hours

Our underwriting team evaluates your banking cash flows, employment/business vintage, and bureau history. Approved applicants receive a formal Sanction Letter & Key Fact Statement detailing the exact rate, tenure, EMI, and charges.

  • Full APR and processing fee disclosure
  • Complete reducing-balance amortisation schedule
  • Zero hidden clauses or undisclosed deductions
04

Aadhaar OTP e-Sign & e-NACH Mandate Registration

Stage 04 · 5 Minutes

Review and sign your loan agreement digitally using Aadhaar-based OTP authentication. Register your standing monthly repayment instruction via e-NACH or NetBanking without submitting physical post-dated cheques.

  • Legally recognized digital execution under IT Act, 2000
  • Automated monthly EMI debit on fixed due date
  • Signed agreement copy delivered immediately via email
05

Direct Bank Disbursal & Lifecycle Servicing

Stage 05 · Within 48 Hours

Sanctioned funds are credited directly to your verified bank account (or institution account for education loans) via RTGS/NEFT. Throughout your tenure, receive timely tax certificates, prepayment support, and prompt closure NOCs.

  • Instant UTR / bank transfer confirmation
  • Flexible part-prepayment after initial lock-in
  • Digital No Objection Certificate (NOC) upon closure
Data Protection & Compliance

Your financial records are safeguarded by institutional security standards

We treat applicant identity documents, tax filings, and bank statements with strict confidentiality and cryptographic security at every stage of appraisal.

  • End-to-end 256-bit TLS/SSL encryption across all document submissions
  • Strict prohibition against sharing or selling applicant data to telemarketers
  • Full adherence to RBI Digital Lending Guidelines and Indian data residency norms
Borrower Advisory

Zero Upfront Fee Policy

Shreeyansh Edufin never demands advance cash, processing deposits, or insurance premiums prior to sanction. Legitimate processing fees are deducted only at the time of official loan disbursal.

Inspect official Schedule of Charges
Process Queries

Questions on verification & disbursal

How we handle bank statements, e-NACH mandates, and underwriting outcomes.

Have an urgent disbursal deadline?

Call our central lending desk directly so our credit officer can prioritize your document verification.

Call +91 98765 43210
Do I need to visit a physical branch to complete my loan?
No. The entire application, KYC verification, sanction acceptance, and e-Sign execution is conducted digitally. Only in high-value secured commercial or education loans requiring physical property valuation will an authorized representative visit your premises by appointment.
What if my PDF bank statement is password protected?
You may share the standard PDF opening password with your assigned credit officer for statement parsing, or verify your account paperlessly via the RBI-regulated Account Aggregator framework.
How are monthly EMIs collected?
During digital agreement execution, an automated e-NACH mandate is registered with your primary bank account. Monthly installments are debited automatically on your scheduled cycle date (typically the 5th of each month).
What happens if my application does not meet underwriting norms?
If an application is declined, we clearly communicate the specific underwriting reason (such as elevated FOIR or recent bureau delinquencies) and advise how you can re-apply after 90 days or strengthen the application with an earning co-applicant.

Begin your loan application in under 10 minutes

Check your indicative borrowing limit online or submit an inquiry for a 2-hour callback from our credit desk.

Start Online Application Check Eligibility