Get an Instant Personal Loan in Minutes

Access an instant personal loan online through Pocketly with a simple, fully digital borrowing experience. Apply from your smartphone.

Get Instant Funds
0

More than 92% of
users loves Pocketly

Pocketly App
Up to ₹50,000
100% Digital
Zero Collateral
Flexible Repayment
User 1 User 2 User 3
0M+

Trusted to use by millions users

0

More than 92% of
users loves Pocketly

User 1 User 2 User 3
0M+

Trusted to use by millions users

Need Cash? Get up to ₹50,000 Instantly.

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Spam despite DND?

File a complaint via your provider or Call/SMS "1909"

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Financial Freedom

Money for Every

Moment That Matters

Short on cash? Pocketly is an instant personal loan app built for Young India — from students and first-jobbers to freelancers and salaried professionals. Apply online from your smartphone, complete the required verification and manage your loan digitally.

Minimum KYC

Minimal KYC

Complete the required verification digitally with a simple and straightforward KYC process.

Fast Digital Experience

Apply online and complete your loan journey from your smartphone — no branch queues, no needless paperwork.

100% digital journey

Flexible Repayment

Review the available repayment period and applicable EMI obligations before accepting your loan.

Phone Amount
Loans up to ₹50,000

Loans Up to ₹50,000

Get access to an eligible loan amount of up to ₹50,000, based on applicable eligibility and lending criteria.

How It Works

From Sign Up

to Loan in Minutes

  1. Sign Up

    Create your account & Sign up using your mobile number.

    Pocketly app sign up screen

  2. Complete KYC

    Verify your identity with quick and easy KYC process.

    Pocketly app KYC completed screen

  3. Get Instant Loan

    Get approved and receive your loan amount instantly.

    Pocketly app loan disbursed screen
Rewards

Elevate Every Action

With Instant Rewards

Invite your friends to Pocketly and unlock applicable cashback rewards of up to ₹10,000* when your referrals meet the programme requirements.

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User Satisfaction User Satisfaction

Most Used Financial App

by Millions of Happy Users

4.5

More than 92% of
users loves Pocketly

1.25Cr+

Loans Disbursed

3500Cr+

Amount Disbursed

10M+
User 1 User 2 User 3

Trusted to use by
millions of users

Trusted by millions, this app offers seamless financial management and personalised
insights for user satisfaction.

Testimonials Testimonials

Our Users

Talk About Us

Kousik Kar

Kousik Kar

Fast & Trustworthy Service

"I downloaded Pocketly after seeing recommendations online; the eligibility check was fast, same-day disbursal was a big relief, and everything was explained in simple language..."

Disha Chanda

Disha Chanda

Simple & Hassle-Free

"The app feels clean and uncluttered, the loan application had no unnecessary steps, and disbursal plus repayment tracking were both quick and clear..."

Gaurav Singh

Gaurav Singh

Helpful in Emergencies

"I needed money before my salary date and Pocketly's simple interface, smooth signup, and clearly explained repayment dates helped me manage expenses without stress..."

Riya Majhi

Riya Majhi

Clear & Reliable

"Pocketly helped me handle an unexpected expense with a smooth, lag-free app, clear repayment details, and a limit that grew as I repaid on time..."

Nitin Mankar

Nitin Mankar

Super Fast Process

"I received a loan from Pocketly in just two minutes, with an easy process, responsive support, and a credit limit that increased quickly as I repaid..."

Sushant Kumar

Sushant Kumar

Guided & Confidence-Boosting

"Pocketly has been a great experience; I was initially skeptical about loan apps, but the step-by-step guidance made everything easy and boosted my confidence..."

Blogs Blogs

Learn. Plan.

Borrow Better.

Explore practical financial guidance, borrowing insights and simple explanations to help you make informed financial decisions.

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FAQ FAQ

Frequently Asked

Questions

An instant personal loan is a short-term loan that can be applied for online. Pocketly offers eligible borrowers loans from ₹1,000 to ₹50,000 through a digital process.

You can apply through the Pocketly app by completing your details and required KYC. The process is completely online, with no need to visit a bank branch.

Pocketly offers fast loan processing, and eligible borrowers can receive the approved amount in their bank account within minutes.

Pocketly is an instant personal loan app that allows eligible customers to apply digitally and access loans of up to ₹50,000.

Eligible borrowers can apply for a personal loan instant ranging from ₹1,000 to ₹50,000, depending on their eligibility.

Yes. Pocketly offers a 100% digital loan journey, allowing eligible customers to apply and complete the process online.

A CIBIL score is not required to apply for a Pocketly loan. Approval is subject to applicable eligibility and verification criteria.

Indian individuals aged 18 and above who are salaried or have a monthly source of income can apply, subject to eligibility requirements.

You may need personal details, Aadhaar-based address proof, PAN details, a verified email ID and Video KYC for verification.

You can apply through the Pocketly app, complete the required verification and, if approved, receive the loan amount directly in your bank account.

Pocketly offers instant personal loans designed for young professionals, students, and salaried individuals across India. You can borrow up to ₹50,000 with quick approval, flexible repayment options, and a 100% digital process — no collateral required.

Safety Icon Safety

Security, simplified

ISO 27001 Certified

We are an ISO 27001: 2023 certified company

Your Loan. Your Terms.

  • Choose your eligible loan amount.
  • Review your repayment period and applicable EMI details.
  • Understand applicable charges before you accept.
  • Receive funds directly into your bank account after approval.
Download Now
User 1 User 2 User 3
Trusted by 10M+ individuals
Pocketly App

Loan Offerings details, fees and disclosures

Loan amount
₹1,000 – ₹50,000
Repayment period
Minimum 61 days to maximum 9 months
Interest rate
2% – 3% per month
Processing fee
0% – 9.4% of loan amount, inclusive of 18% GST
Foreclosure charges
2.5% of principal outstanding
Maximum APR
99.73% per annum
(inclusive of interest, processing fee and GST)

Representative Loan Example

Loan amount
₹5,000
Tenure
3 months (90 days)
Interest rate
36% per annum
Processing fee (7.20%)
₹360.17
GST on processing fee (18%)
₹64.83
Amount disbursed to borrower
₹4,575.00
Interest payable
₹302.96
EMI
₹1,767.65 × 3 months
Total amount repayable
₹5,302.96
Total cost of credit (interest + all fees)
₹727.96
APR for this example
93.15% per annum
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Fraud Quickly.

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Spam despite DND?

File a complaint via your provider or Call/SMS "1909"

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Lost money to fraud?

Call "1930" or visit https://cybercrime.gov.in

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Received a fraud attempt?

Report it on Chakshu https://sancharsaathi.gov.in/sfc