# Upstox Loans > Digital personal loans from trusted NBFCs and banks. (iPhone/iPad app by RKSV Securities.) - Source: https://appshunter.io/ios/app/upstox-loans/id6745022530 (this page in markdown: same URL + `.md`) - Developer: [RKSV Securities](https://appshunter.io/developer/952215242) - Category: Finance - Price: Free - Rating: 3.00/5 from 7 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 36 MB - Languages: American English - Released: 2025-08-12 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/upstox-loans/id6745022530/reviews.md ## What is Upstox Loans? Finance made fast, simple & seamless with Upstox Loans From unplanned expenses to your next big life goal—whatever the need, Upstox Loans makes borrowing stress-free and instant. Brought to you by RKSV Securities Pvt. Ltd., we offer access to personal loans from trusted NBFCs and banks, through a fully digital and secure experience. Example: Personal loan Amount: ₹2,00,000 Tenure: 36 months Interest Rate: 24% p.a. Processing Fee: ₹5,900 (incl. GST) EMI: ₹7,210 Total Interest: ₹79,546 APR: 26.5% Net Disbursed: ₹1,94,100 Total Repayment: ₹2,79,546 Lending Partner(s) All personal loans are disbursed by RBI-registered entities. Upstox does not disburse loans. Currently partnered with: InCred Financial Services Ltd 022-42117799 care@incred.com Chatbot: 8826272192 www.incred.com What’s needed to apply for a personal loan? You may be asked to submit: Aadhaar & PAN for KYC Bank account details for disbursal A selfie for ID verification Additional documents may be requested based on your profile. Eligibility Criteria for a Personal Loan Eligibility is determined by lending partners. Common requirements include: Indian citizens (age 21–65) Salaried or self-employed Meeting the lender’s income criteria A credit score aligned with the lender’s risk policy Repayment & Prepayment of Personal Loan EMIs are auto-debited from your registered bank account via eNACH Maintain a sufficient balance to avoid bounce charges Foreclosure or part-payment allowed (may attract additional charges as per lender’s policy) Secure & Transparent Upstox is committed to responsible lending practices. You will receive your Sanction Letter, Loan Agreement, and Key Fact Statement (KFS) on your registered email for complete clarity. Privacy Policy: https://upstox.com/terms-of-use-and-privacy-policy/ Ready to make your next move? Download the Upstox Loans App and get funds on the go—fast, flexible, and fully digital. ## Key features - Fast and simple loan application - Fully digital and secure experience - Access to personal loans from trusted partners - Transparent loan terms and agreements - Eligibility based on income and credit score - Secure disbursal and repayment options ## Frequently asked questions about Upstox Loans ### 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. ## Version history (last 3 releases) ### 0.5.0 — 2025-09-02 LAMF feature improvements ### 0.4.0 — 2025-08-19 Now you can avail loans against your mutual fund holdings directly from the app Revamped Personal Loans for a smoother and more intuitive user experience Bug fixes and performance enhancements to keep everything running smoothly ### 0.3.0 — 2025-08-12 No release notes. ## More apps by RKSV Securities - [Upstox - Stocks & Mutual Funds](https://appshunter.io/ios/app/upstox-stocks-and-mutual-funds/id1070470718) - [Upstox: Demat, Stock, MF, IPO](https://appshunter.io/ios/app/upstox-demat-stock-mf-ipo/id1584953620) All apps by RKSV Securities: https://appshunter.io/developer/952215242 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*