First 3 EMIs free for new users
On food & grocery payments
Per successful loan referral
Start SIP from ₹500/month
Total Balance
₹2,45,830.50
A/C •••• •••• 4821 | IFSC: EMIL0001234
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Quick Actions
You spent ₹2,340 more on Shopping than last month. Consider setting a budget cap of ₹5,000. Your savings rate is 50.4% — excellent!
Active Loans
Credit Score
Upcoming Bills
NEFT — National Electronic Funds Transfer
Available 24×7. Settlement in 30-minute batches. No minimum or maximum limit as per RBI guidelines.
RTGS — Real-Time Gross Settlement
For high-value transfers. Minimum: ₹2,00,000. Instant settlement during business hours (08:00–18:00).
Priya Sharma • Monthly
Jun 25
Mutual Fund • Monthly
Jun 28
Your UPI ID
rahul.kumar@emiloanScan to receive money
rahul.kumar@emiloan
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Active Mandates
Monthly EMI
₹0
Enter income and credit score
Refer & Earn
Refer friends and earn rewards on every successful referral.
3 referrals approved
Personal Loan • Approved
Vehicle Loan • Approved
Home Loan • Approved
Personal Loan • Pending
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Your Cards
Card Controls
Use card abroad
E-commerce & UPI
Tap to pay
Cash from ATM
Spending Limits
Tap to Pay — Demo Purchase
Card Actions
Portfolio Value
₹3,20,370
Total Invested: ₹2,85,000
Face ID / Fingerprint
SMS OTP verification
Required for all transfers
New device notification
2 devices logged in
Business Performance
Live revenue across interest, fees, interchange & subscriptions. Every figure flows from real activity and the master config — tune a lever and the next transaction moves the needle.
Pending Approvals
Loan applications above the auto-approve threshold and high-value items routed for manual review. Approve or reject — actions require Manager rights or above.
| User | Role | Branch | Status | Last Login | MFA | Actions |
|---|
42 users • 3 admins
28 users • 2 admins
19 users • 1 admin
15 users • 1 admin
OTP & notification emails are sent through these servers, tried in priority order with automatic failover.
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⚙️ Business Core — Module Management & Dynamic Settings
| Permission | Super Admin | Admin | Manager | Agent | End User |
|---|
| Timestamp | User | Action | Module | Level | IP Address | Device |
|---|
Active Fraud Alerts
AI Risk Scorer
Enter transaction details to score
Geo-location Alerts
New city • Chrome • 2 hrs ago
IP: 198.51.x.x • NordVPN • 4 hrs ago
Trusted device • Just now
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Emiloan Membership
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Frequently Asked Questions
Quick answers to common questions. Still stuck? Visit Support.
Terms & Conditions
Last updated: 16 June 2026
1. Acceptance
By accessing Emiloan you agree to these terms and our Privacy Policy. If you do not agree, please discontinue use of the service.
2. Eligibility & KYC
You must be 18+ and complete identity verification (KYC) before transacting. We may suspend accounts with incomplete or fraudulent KYC.
3. Accounts & Security
You are responsible for safeguarding your MPIN, password and OTPs. Never share them. Notify us immediately of unauthorised access.
4. Transactions & Limits
Daily transfer, UPI and card limits apply and may be revised. Transactions are subject to RBI guidelines and applicable charges disclosed at the time of payment.
5. Loans & EMI
Loan approval is at our discretion. Interest rates, processing fees and foreclosure charges are shown before you confirm and may vary by product and profile.
6. Fees & Charges
Applicable fees are displayed prior to confirmation. Taxes are charged as per prevailing law.
7. Liability
We are not liable for losses arising from incorrect details you provide, network failures outside our control, or unauthorised use due to credential compromise.
8. Changes
We may update these terms; continued use after changes constitutes acceptance. Material changes will be notified in-app.
9. Grievance Redressal
Contact our Nodal Officer via Support. We aim to resolve complaints within 7 working days.