• Loan amount up to ₹15 Lakhs 
• Quick loan disbursal in as fast as 15 minutes* 
• Flexible tenure from 12 to 60 months 
• No collateral required 
• Transparent charges

Step 1: Share InCred Loan – Recommend the loan to your network and explain its benefits. 

Step 2: Open & Share the Link – Click on the product details and share the unique link with interested customers. 

Step 3: Customer Clicks the Link – They enter their name & mobile number to proceed. 

Step 4: Download the InCred App – The link redirects them to the app download page. 

Step 5: Install & Select Language – The customer installs the app and chooses their preferred language. 

Step 6: App Verification – Tick the privacy policy & WhatsApp checkbox to continue. 

Step 7: Mobile Number Sign-in – Enter the mobile number & verify via OTP. 

Step 8: Set a Security PIN – Create a 4-digit PIN for secure access. 

Step 9: Grant Permissions – Allow SMS, location & camera access. 

Step 10: PAN Verification – Enter or confirm the PAN card details. 

Step 11: Fill in Basic Details – Provide name, address, employment details & correct pincode. 

Step 12: Credit Check – The system fetches the CIBIL score to determine loan eligibility. 

Step 13: Loan Selection – If approved, the customer selects the loan amount. 

Step 14: Account Verification – Enter bank details for Re.1 verification. 

Step 15: Income Verification – Provide a bank statement if opting for a big-ticket loan. 

Step 16: Employment Verification – Validate EPFO details via office email & OTP. 

Step 17: Self-Verification – Complete residence verification through the app. 

Step 18: Reference Check – Provide two references (colleague & family/friend).

Step 19: Loan Disbursement – Once verified, the loan amount is credited to the customer’s bank account.

• No documentation is required for loan amounts up to ₹2,00,000 
• Banking details are necessary for loan amounts above ₹2,00,000 
• Aadhaar card 
• PAN card 
• Income proof 
• Address proof

• Customer should NOT be an existing customer of InCred. Customer must be 21 years or older. 
• Customer monthly salary should be at least ₹15000. 
• CIBIL Score must be 650 or above. 
• Customer must have a valid Aadhaar & PAN card. 
• Use the same mobile number linked to Aadhaar during the application. 
• Customer's address must fall under eligible PIN codes. 
• Application must be completed in one go (single journey). 
• Check PIN code availability before proceeding. 
• Make sure there is no mismatch between PAN & Aadhaar. 
• Do not submit multiple applications from the same device or mobile number.