About
Access personal loans quickly and easily through a fully digital and secure platform. Borrow for immediate needs or future goals with transparent terms and trusted lending partners. Apply using your Aadhaar, PAN, and bank details for a seamless borrowing experience.
What's New in Upstox Loans
0.5.0
September 2, 2025
LAMF feature improvements
Developer apps
FAQ
What is Upstox Loans?
Upstox Loans is a digital platform that facilitates access to personal loans from RBI-registered NBFCs and banks. It offers a fast, simple, and secure way to borrow money for various needs.
How do I apply for a personal loan with Upstox Loans?
To apply, you'll typically need to submit your Aadhaar and PAN for KYC, bank account details for disbursal, and a selfie for ID verification. Additional documents may be requested based on your profile.
What are the eligibility criteria for a personal loan through Upstox Loans?
Eligibility is determined by lending partners and generally includes being an Indian citizen aged 21-65, being salaried or self-employed, meeting income criteria, and having a credit score aligned with the lender's policy.
Are there any fees associated with Upstox Loans?
Yes, there is a processing fee. For example, a loan of ₹2,00,000 for 36 months at 24% p.a. has a processing fee of ₹5,900 (incl. GST).
Can I repay my loan early with Upstox Loans?
Yes, foreclosure or part-payment of your personal loan is allowed. However, additional charges may apply as per the lender's policy.
Is Upstox Loans secure?
Upstox is committed to responsible lending and a secure experience. You will receive a Sanction Letter, Loan Agreement, and Key Fact Statement (KFS) on your registered email for complete clarity.
What devices does Upstox Loans support?
Upstox Loans is supported on iPhone and iPod devices. It is rated for ages 4 and up.
How often is Upstox Loans updated?
The latest version of Upstox Loans is 0.5.0, and it was last updated on September 2, 2025. The app was initially released on August 12, 2025.