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Get upto ₹ 2 lakh at EMI of Just ₹ 2500/Lakh

An affordable way to borrow!

  • Instant Approval
  • Minimum Documentation
  • Flexible Tenures

Happy Customers

₹ 50 Crore+

Loan Disbursed

1 Million+


The Upwards Advantage


EMI as low as Rs. 1500 for a loan of Rs. 50,000

Quick Approvals

Get approval within 24 hours and disbursal within 48 hours

Fully Digital

Comes with auto-debit e-NACH and EMI facility

You will need Following Documents

Address Proof
Bank Statement
PAN Card
Last 3 Months Salary Slip

Loan Terms

Loan AmountRanging from Rs. 15000- Rs. 1,00,000
Annualised Interest RateRanging from 12% to 30%
Repayment TenureRanging from 12 to 36 months
Processing Fees3% of the loan amount

What is Upwards?

Upwards is an RBI authorized alternate lending platform committed to offering personal loans upto Rs. 1 lakh to salaried and business professionals. We have come into being to make loan buying process convenient and hassle-free. Individuals with a salary of at least Rs. 15,000 or even with a low credit score can apply for a loan with us as our algorithms are quick to determine loan eligibility and offer instant loan approval. Loan application process on Upwards is pretty-simple as you simply have to download the app, log in, submit few details and get instant approval! Upwards only works with the best banks and NBFCs to get you the best interest rates in the quickest way possible.

How does the Upwards App Works?

  • Quick Register: Download the Upwards app from Google Play store and register using your Gmail or Facebook login
  • Submit your details: Complete your KYC documentation i.e. submit your Aadhar card, PAN card, bank account and salary details. You will receive instant loan approval.
  • Complete e-NACH set up: Complete E-NACH set up to register auto-debit of EMIs
  • Loan sanctioned: Your loan will be disbursed within 48 hours.

Why Download the Upwards App?

  • Transparent process
  • Your data is secured
  • Documentation made easy
  • No credit history required
  • Offers you personalized experience
  • Free loan application
  • Lets you track your loan application
  • Lets you pay loan EMIs

Personal loans for all-purpose!

You can use the personal loan amount to cater to all your financial requirements

  • Wedding loan
  • Home renovation loan
  • Mobile loan
  • Laptop loan
  • Emergency loan
  • Medical emergency

Flexible Loans For All Pocket Sizes!

Personal Loan EMI Calculator

EMI is: 2952
Total Amount
Tenure (in months)
Rate of Interest (Monthly)
% Monthly

EMI Option and Calculation

What is EMI?

The basic formula for calculating EMI = [P x R x (1+R)^N]/[(1+R)^N-1], where,

  • R is the RATE OF INTEREST,
  • N is the NUMBER OF YEARS

which can change the amount of EMIs. Mostly all the financial websites have the EMI calculator as a handy tool that calculates the monthly amount payable to the lender with the help of given formula. You will be asked to input the details like the principle amount, the rate of interest and the tenure.

Let me explain this to you by taking an example, let's say an individual is willing to take a loan of Rs. 50,000 at an interest rate of 18% for 12 months in this case instead of paying the whole amount in one go what you can do is pay it in smaller amount with a one-time processing fee of Rs. 1000 and a monthly installment of Rs. 4585. A facility like this can reduce the burden of paying heavy amounts for the expenses or repaying any loan.

Personal Loan App FAQs

Is Upwards app free for download?
Yes, you can download the Upwards app for free from the Google Play Store. You are also not required to pay any loan application fee.
Is there any reward program linked with the app?
Yes, we have a refer and earn program through which you can refer your friends and family and earn up to Rs. 9999/-. However, you will be eligible to earn the reward only if the referred person gets a loan from Upwards.
On downloading the app, how much time does it take for the loan application process to get completed?
You can complete the loan application in just about 5 minutes provided you have all the documents handy and also a good typing speed.
Can my loan application get rejected even after I have been pre approved for a loan on the Upwards app?
On the basis of the information provided in your application form, our team of credit experts check your loan eligibility and also verify all the details and process your application accordingly. If at any stage, the information provided by you turns out to be fraudulent, then your application will be rejected.
How does the Upwards app define my credit eligibility?
Our algorithms define your credit eligibility by taking into account your profile, income, credit history and other factors.

India's Preferred Instant loan App

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