PERSONAL LOAN
More flexibility for life's bigger expenses.
A personal loan designed for eligible customers who need access to a larger amount of credit over a longer repayment period.
Whether it's an important personal expense, education, travel, medical requirement, household need, or another permitted purpose, a personal loan can provide greater flexibility than a short-duration credit product.
PRODUCT DETAILS
Loan Amount: ₹10,000 – ₹50,000
Tenure: Up to 12 months
Interest: From 0.30% per day
Processing Fee: Up to 10%
Availability: Subject to eligibility and credit assessment
Lending Partner: Salora Capital Limited
DESIGNED FOR REAL-LIFE EXPENSES
Personal loans may be suitable for eligible customers managing expenses such as:
- Medical and healthcare expenses
- Education-related expenses
- Travel requirements
- Household expenses
- Personal financial requirements
- Planned purchases
- Short-term financial commitments
Loan approval and permitted end use remain subject to the lending partner's policies, eligibility criteria, and applicable terms.
A SIMPLE DIGITAL JOURNEY
APPLY
Complete your application online.
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VERIFY
Provide the required information and complete verification.
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ASSESS
The lending partner evaluates your application.
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GET YOUR OFFER
Review the applicable loan amount, interest, fees, tenure, repayment schedule, and other terms.
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ACCEPT
Accept the offer only after understanding the applicable terms.
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DISBURSE
The approved loan amount is disbursed by the relevant lending partner after completion of applicable requirements.
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REPAY
Repay according to your agreed repayment schedule.
WHICH ONE IS RIGHT FOR YOU?
| Payday Advance Personal Loan | ||
| Designed for | Short-term liquidity gaps | Larger personal expenses |
| Amount | ₹1,000 – ₹50,000 | ₹10,000 – ₹50,000 |
| Tenure | 30–90 days | Up to 12 months |
| Use case | Short-duration requirements | Broader personal requirements |
| Application | Digital | Digital |
| Approval | Subject to assessment | Subject to assessment |
| Lending Partner | Salora Capital Limited | Salora Capital Limited |
MORE THAN A LOAN
It's about making the journey easier.
At Jora Capital, we are building technology around the complete customer journey.
From discovering a financial product to applying, verifying, receiving an offer, and managing repayment, our objective is to reduce unnecessary friction.
Our platform focuses on:
- Simple applications
- Digital onboarding
- Clear communication
- Technology-enabled verification
- Customer support
- Repayment engagement
- Transparent product information
RESPONSIBLE BORROWING
Borrow only what you can comfortably repay.
Credit can be useful when used responsibly.
Before accepting a loan, customers should carefully review:
- Loan amount
- Interest rate
- Annualised cost/APR, where applicable
- Processing fees
- Other applicable charges
- Tenure
- Repayment schedule
- Total amount payable
- Late-payment or other applicable charges
- Key Fact Statement and loan agreement
Do not borrow more than you can reasonably repay.
The final terms offered to a customer are determined by the relevant lending partner based on its eligibility and credit-assessment processes.
TRANSPARENT BY DESIGN
We believe customers should know what they are agreeing to before accepting a financial product.
Before taking a loan, review the applicable Key Fact Statement (KFS), loan agreement, interest rate, fees, repayment schedule, and total cost of borrowing. There are no guarantees of approval. Every application is subject to the applicable eligibility criteria, verification, credit assessment, and lending partner policies.
OUR LENDING PARTNERS
Technology by Jora. Lending through regulated financial institutions.
Jora Capital operates as a Lending Service Provider (LSP).
Our role is to provide technology, customer acquisition, digital onboarding, application support, customer engagement, and related services.
The relevant regulated lending partner is responsible for applicable credit assessment, sanction, disbursement, and lending decisions.
SALORA CAPITAL LIMITED
Regulated Lending Partner
Jora Capital works with Salora Capital Limited under the applicable partnership framework.
COMING NEXT
We're building more ways to serve customers.
Jora Capital's long-term vision extends beyond a single loan product.
As our platform develops, we aim to explore additional financial products and services through partnerships with appropriate regulated financial institutions and financial-service providers.
Potential future areas may include:
- Credit products
- Financial product distribution
- Small-business financial solutions
- Digital financial services
- Financial marketplace offerings
Product availability will depend on regulatory requirements, partnerships, eligibility, and launch readiness.
FIND THE RIGHT FINANCIAL PRODUCT
Short-term requirement?
PAYDAY ADVANCE
₹1,000 – ₹50,000
30–90 days
Need more flexibility?
PERSONAL LOAN
₹10,000 – ₹50,000
Up to 12 months
JORA CAPITAL
Simple financial access. Built around you.
Technology-enabled financial services, delivered in partnership with regulated financial institutions.
Apply responsibly. Understand your terms. Repay with confidence.
Interest rates, fees, loan amounts, tenure, and other terms are indicative and subject to customer eligibility, credit assessment, applicable policies, and the final offer from the relevant lending partner. Customers should review the applicable Key Fact Statement and loan agreement before accepting any loan.