CellcapLoan — Smart Credit, Simplified
Not complex financial products, but a practical financial companion designed to support your everyday needs.
Loan Details
| Item | Description |
|---|---|
| Loan Amount | ₹1,000 – ₹1,20,000 |
| Loan Tenure | 91 – 360 days |
| Annual Percentage Rate (APR) | 14.4% – 28.8% |
| Repayment Method | One-time repayment at maturity |
| Early Repayment | Allowed with no additional charges |
Representative Example
If you borrow ₹10,000 for 180 days at an APR of 24%, the total repayment amount will be ₹11,200 (₹10,000 principal + ₹1,200 interest). All applicable charges will be clearly disclosed before loan confirmation.
Eligibility
Indian citizen
Minimum 18 years of age
Valid Aadhaar and PAN
Stable source of income
Active personal bank account
Application Process
Application Process
- Download the CellcapLoan app from Google Play
- Register using your mobile number
- Complete basic profile details
- Upload KYC documents (Aadhaar & PAN) and complete verification
- Select loan amount and tenure, submit application
- Upon approval, funds are credited directly to your bank account
Product Positioning
Not complex financial products, but a practical financial companion designed to support your everyday needs.
FAQ
Is my personal data secure?
We use advanced encryption protocols to ensure secure data transmission and storage. Your data is used strictly for verification and compliance purposes.
Do I need collateral or a guarantor?
No. All loans are unsecured and do not require collateral or guarantors.
Can I repay early?
Yes. You may repay your loan at any time without any additional charges.
What happens in case of late repayment?
Late payments may attract applicable penalties and impact your credit profile. Customers are advised to repay on time.
Why was my application not approved?
Approval decisions are based on internal credit evaluation criteria, which may include income stability, credit profile, and completeness of submitted information.