Frequently asked, honestly answered.

The Jora Capital digital loan application process is designed to be quick and convenient. Most users can complete the application in under 6 minutes. Once approved and the loan agreement is accepted, eligible loans are targeted for disbursement within 4 working hours, subject to the applicable process and lender approval.

Eligible customers may access different loan amounts depending on the applicable financial product. As per the current offering, Payday Advance ranges from ₹1,000 to ₹50,000, while Personal Loans range from ₹10,000 to ₹1,50,000, subject to eligibility, credit assessment, and lender approval.

Interest rates and processing fees depend on the applicable loan product and customer profile. The current rates mentioned for the available products start at 0.30% per day for Personal Loans and 0.80% per day for Payday Advance. Processing fees may be up to 10% of the sanctioned amount and are disclosed in the applicable Key Fact Statement (KFS) before acceptance.

Jora Capital aims to provide transparent information about applicable interest, processing fees, GST, late fees, and other charges. Applicable costs are itemized in the Key Fact Statement (KFS) and loan documents before loan acceptance.

Eligible customers with a satisfactory repayment history may receive top-up loan offers through the app. Top-up availability is subject to fresh underwriting, eligibility criteria, and approval by the applicable lending institution.

Jora Capital operates as a Lending Service Provider (LSP) in collaboration with regulated financial institutions. Loan origination, sanction, and servicing are undertaken by the applicable regulated lending institution, subject to its policies and regulatory requirements.

Jora Capital uses security and data-protection measures to safeguard customer information. Customer KYC and personal information is used for permitted purposes such as loan processing, verification, and servicing, in accordance with applicable privacy and data-protection requirements.

Loan repayment can be made through the repayment methods available in the Jora Capital application. Depending on the applicable loan arrangement, repayment may be supported through UPI AutoPay, NACH e-mandate, or manual payment through the app.

If a repayment is missed, customers may receive reminders regarding the outstanding payment. Applicable late fees or other charges, if any, will be communicated in accordance with the loan agreement and Key Fact Statement (KFS). Customers are encouraged to contact support early if they face repayment difficulties.

Yes, eligible customers may be able to prepay their loan partially or in full, depending on the applicable loan terms. Early repayment may reduce future interest, while any applicable prepayment charges will be disclosed in the relevant loan agreement.

EMI date changes may be possible in certain cases, depending on the applicable loan terms and repayment history. Customers can contact Jora Capital support to check whether a repayment-date adjustment is available for their loan.

Yes. Successful EMI or loan repayment transactions can generate a digital payment receipt through the application. Eligible customers may also receive loan closure or end-of-loan documentation after successful completion of repayment.

Customers can contact Jora Capital customer support through the available email, phone, or in-app support channels. You can also raise a support ticket directly through the application for assistance with your loan or application.

You can track the status of your loan application through the Jora Capital application. Application updates may also be communicated through SMS, email, and in-app notifications during different stages of the loan process.

Customers can raise a complaint or grievance through the designated Jora Capital support or grievance channel. For faster resolution, mention “Grievance” in the subject line when contacting the designated grievance email address and provide your application details.

Jora Capital's application and customer support are available in English and Hindi, with additional regional languages planned for future rollout, subject to availability.

Eligibility depends on the applicable loan product and lending partner's criteria. The current eligibility information indicates that applicants should generally be Indian residents aged 21–58 with a verifiable source of income, such as salary or business income. Final eligibility is determined after the required assessment.

The initial application process may involve a soft credit inquiry, which generally does not impact the credit score. If a hard inquiry is required, it may occur after the applicable stage of the application process and customer consent, as per the lender's process.

Customers with a lower credit score may still be considered depending on the applicable lending criteria. Credit history, repayment behaviour, income stability, and other relevant factors may be considered during the assessment. Approval is not guaranteed and remains subject to the lending partner's eligibility and underwriting criteria.