True Balance - Loan App & UPI

True Balance is a secure and trusted platform for lending, payments, and financial services. It offers a digital wallet for recharges, bill payments, money transfers, and UPI payments, and is an RBI-authorised prepaid payment instrument issuer. The app provides instant personal loans from ₹1,000 to ₹2,00,000 with tenures from 6 to 24 months at a low processing fee. True Balance also enables access to loans of up to ₹5,00,000 with tenures ranging from 6 to 48 months through RBI-registered NBFCs and fintech partnerships. You can check your free credit score and access credit cards, wallet, and UPI services on the app. With over 80 million users across India, True Balance is a convenient and reliable option for financial services.

What is True Balance?
True Balance is a secure and trusted platform for lending, payments, and financial services, built with the mission of “Finance for All". As an RBI-authorised prepaid payment instrument issuer, True Balance offers a digital and gift wallet for recharges, bill payments, money transfers, and UPI payments.

It provides unsecured personal loans through RBI-registered NBFCs and is trusted by over 80 million users across India. You can apply for a personal loan from ₹1,000 to ₹2,00,000 with tenures from 6 to 24 months at a low processing fee.
Through RBI-registered NBFCs and fintech partnerships, True Balance also enables access to loans of up to ₹5,00,000 with tenures ranging from 6 to 48 months, subject to the lender's policy.

APR Range: 28.8% to 78% (as per lender policies)

What are the biggest advantages of using the True Balance loan app?
1. Quick Personal Loans
Get access to personal loans with a fully digital borrowing experience designed for speed, convenience, and reliability.
●Paperless application process
●24×7 availability across India
●Loan amount up to ₹5,00,000 via NBFCs and/or fintech partners
●Flexible repayment tenure from 6 to 48 months
●Affordable and transparent processing fees
●Direct bank account disbursal

Example Online Loan Calculation:
●Loan Type: Unsecured Personal Loan
●Loan Amount: ₹10,000
●Loan tenure: 6 months
●Interest Rate: 2.4% Per Month
●Processing Fee (6%): ₹600 + GST (18%): ₹708
●Interest: ₹844
●EMI: ₹1807
●Total Repayment: ₹11,550 (includes processing fee + GST)

*Interest rates may vary based on the borrower's risk profile.

2. Free CIBIL Score Checker for Faster Loan Approval
Check your CIBIL score for free, get personalised credit insights and discover loan offers tailored to your credit profile.
Check CIBIL score for free
Personalised loan recommendations
Credit insights for informed borrowing
Better chances of loan approval

3. UPI
Enjoy fast, secure, and seamless payments with the UPI-enabled True Balance Wallet (NPCI approved).
●Quickly transfer money to anyone, anytime
●Pay bills and recharge online
●24×7 merchant payments
●Pan-India service coverage
●Send money via mobile number using a UPI-enabled wallet
●Interoperable transfers, even to non-True Balance users

What are must-have features in a personal loan?
●Quick and easy approvals
●100% digital and paperless process
●Flexible repayment options
●Transparent terms with no hidden charges
●Secure and encrypted platform
●24×7 access across India

How can I apply for a personal loan online?
Install the True Balance loan app
Register with your mobile number
Check eligibility with basic details
Complete KYC verification
Receive the approved loan amount directly in your bank account.

Lending Partner Details (Loans facilitated by RBI-licensed NBFCs)
●True Credits Pvt. Ltd.
●InCred Financial Services Ltd
●Grow Money Capital Pvt. Ltd
●Vivriti Capital Ltd [formerly Hari and Co. Inv. Madras Ltd (formerly Hari and Co. Inv. Madras Pvt Ltd)]
●Northern Arc Capital Ltd
●Oxyzo Financial Services Ltd

Fintech Partner Details
●Prefr

Our Commitment to Customer Safety
True Balance ensures a secure and reliable online loan app experience with strict data protection and responsible lending practices.
Communication only via official channels
Secure payments through authorised platforms
Complete privacy and data protection

App Permissions and Reasons
Location: For online loan offers & video KYC
SMS: For phone number verification & SIM binding for PPI interoperability
Camera: For KYC process
Phone Info: To prevent fraud
Microphone: For video KYC

Contact Information
Address: The Circle Work, 5th Floor, Huda City Centre Metro Station, Sector 29, Gurugram, Haryana 122001, India
Email: [email protected]

Additional Information
Fully online and secure process with a 4.6-star rating.
Highly secured and encrypted system for customer data.
Privacy Policy: https://www.truebalance.io/terms-and-conditions/privacy-policy

Note: T&C Apply!