आजकल emergency में पैसे की जरूरत या education expenses के लिए personal loan लेना आसान हो गया है। इस गाइड में हम step-by-step बताएंगे कि कैसे आप M-Pocket App और alternative apps के जरिए loan apply कर सकते हैं, eligibility criteria क्या है, और कौन-कौन से documents चाहिए।
Loan Types और Eligibility
| Loan Type | Eligibility Criteria | Loan Amount Range |
|---|---|---|
| Working Student | Age 18+, Indian, College-going, KYC & Education Proof | ₹500 – ₹30,000 |
| Salaried Professional | Minimum salary ₹9,000, Indian, KYC & Employment Proof | ₹500 – ₹30,000 |
| Self-Employed | Registered or running business, Indian, KYC & Business Proof | ₹500 – ₹30,000 |
M-Pocket App की मुख्य विशेषताएँ
- Interest Rate: 0% – 4% per month
- Loan Tenure: Flexible
- Login: Mobile number + OTP
- Fund Transfer: Bank account या UPI
- Available For: Students, Salaried, Self-Employed
M-Pocket App खासकर college-going students और salaried/self-employed users के लिए emergency funds provide करती है।
Step-by-Step Loan Apply Process
1. App Download और Registration
- Play Store से M-Pocket App डाउनलोड और अपडेट करें।
- सभी permissions allow करें और terms & conditions accept करें।
- Mobile number डालें और OTP verify करें।
- Email और WhatsApp details update करें।
2. Profile Setup
- Name, email, phone number update करें।
- Bank account या UPI add करें जिससे loan amount receive हो।
3. Loan Application Steps
- Category select करें: Student / Salaried / Self-Employed
- KYC verification करें (Aadhaar, PAN, या Video KYC)
- Personal details fill करें: Date of birth, gender, marital status, parent details, address
- College / Job / Business details submit करें
- Selfie upload करके application submit करें
Student KYC & Education Details
| Field | Requirement / Example |
|---|---|
| Date of Birth | 18 – 30 years |
| KYC Documents | Aadhaar, PAN or Video KYC |
| Education Proof | College ID, Enrollment Details |
| College Information | Name, City, State, Pincode, Start & End Date |
| Degree Type & Name | Graduation / Diploma / Specialization |
| Student ID Upload | Front & Back |
| Selfie Verification | Required for submission |
Bank Details और Loan Disbursal
- Bank account या UPI add करें: IFSC, Account Number, Account Holder Name
- Terms & Conditions accept करें
- Loan Approval के बाद OTP verify करें
- Loan amount सीधे आपके bank account में transfer हो जाएगा
Alternative Loan Option
| App Name | Loan Amount Range | Eligibility / Notes |
|---|---|---|
| True Balance | ₹5,000 – ₹2,00,000 | Students & Salaried, Quick Loan |
Tip: True Balance app emergencies और higher loan needs के लिए perfect है।
Final Take
- M-Pocket और True Balance apps से आप easily emergency और education loans apply कर सकते हैं।
- हमेशा eligibility criteria check करें और जरूरत के हिसाब से ही loan लें।
- KYC और personal details सही तरीके से fill करें ताकि approval fast हो।
AlsoRead:Canara Bank Mudra Loan 2025: छोटे व्यवसायों के लिए बेहतर विकल्प
Buddy App Personal Loan : यहाँ से मिलेगा , आपको Direct लोन 15 लाख तक
