Plebgraph is a digital platform that offers personal and small business loans instantly. Backed by an RBI-registered NBFC, Plebgraph provides a fully paperless loan experience with quick approval and disbursement.

Plebgraph is one of India's best loan app for some excellent reasons. Here's what makes our app special:

1. Credit Check Helper: Our Responsibility Tracker lets you see how ready you are for credit and gives you tips to improve.
2. No Papers, All Digital: You won't need to deal with piles of paperwork. We handle everything digitally, including KYC.
3. Quick Disbursement: Need money in a hurry? You could have it in your bank account within five minutes.
4. Easy Repayments: You can pay us back using UPI, Debit cards, Netbanking, Wallets or NACH (if available)–whatever is easiest for you.

Plebgraph makes finance simple and fast, allowing you to control your money hassle-free.

Plebgraph is available across the majority of the states & cities all over India. Do not forget to turn on your mobile GPS as the app determines your location eligibility by checking your GPS location on a real-time basis at the time of application.

It’s easy! Follow these simple steps:

1. Download the Plebgraph app or visit our website.
2. Register using your mobile number.
3. Complete your KYC by submitting your PAN, Aadhaar Card, and a selfie.
4. Accept the loan offer and your approved loan amount will be credited to your account within minutes.

Plebgraph assesses your eligibility based on a combination of factors including your financial profile, monthly income, and creditworthiness. The app also reviews your financial SMS transactions to provide a secure and accurate assessment.

You can check your loan eligibility by registering on the Plebgraph app and completing your KYC. The app will assess your financial profile and provide you with a loan offer if you're eligible.

You only need your PAN, Aadhaar Card, and a selfie for the KYC process. No additional documents are required.

To be eligible for a loan on Plebgraph:

- You must be at least 21 years old.

- Salaried employees need a minimum monthly income of 2,000.

- Self-employed individuals and small businesses/vendors should have a minimum monthly income of 2,000.

Yes, Plebgraph offers financial solutions tailored for freelancers, gig workers, solopreneurs, and self-employed individuals. You can easily apply for a personal or business loan based on your financial profile.

Plebgraph offers an instant loan for anything between Rs.18000 and Rs.36,000/- depending on the applicant's eligibility. The approval amount of every applicant may vary as the same is calculated digitally by considering the digital footprints of the applicant, application details, past credit behavior, etc. You can check your eligible amount using the app itself.

Once you complete the application and your KYC is approved, your loan can be disbursed within just 5 minutes

The interest charged on your loan amount is approximately 18%. However, these details may vary from one applicant to another as the same is digitally calculated. You can find detailed information about your Loan in the app itself when you apply for the same.

No, once your loan is approved and disbursed, you cannot increase the loan amount. You will need to apply for a new loan after repaying the existing one.

Plebgraph offers loans without any physical documentation. Therefore, to ensure a 100% digital approval process, your PAN Card details & your Aadhaar card are mandatory documents.
As per RBI guidelines we recommend you get a PAN Card & Aadhaar Card as these are mandatory documents and apply for a Loan with Plebgraph.

In extremely rare case scenarios, if there is a delay in disbursement due to a technical issue from the bank's server, your repayment due date will be adjusted according to the date of your loan disbursement.

Yes, a nominal processing fee is charged based on the loan amount. This fee is deducted before the loan is disbursed into your account. The processing fee includes applicable GST.

No, you can only apply for one loan at a time. However, once your current loan is successfully repaid, you can apply for a new one

Yes, you can cancel your loan application at any time before the loan is disbursed. Once the loan is credited to your account, you will be required to follow the loan agreement terms for repayment

Yes, Plebgraph is a fully digital platform, so you can apply for a loan 24/7 through the app or website. Loan approval and disbursement are automated, so you can get your funds at any time, even outside of traditional banking hours.

The loan tenure can range from 3 months to 24 months, depending on the amount and type of loan you choose.

The details of your repayment are mentioned on your app home page. We also send you repayment reminders via SMS & notifications to help you make your repayments on time

You can repay your loan through convenient monthly EMIs. Payments can be made via UPI, net banking, or other digital payment methods. Plebgraph will notify you before your due dates to ensure timely payments.

Yes. You can make the repayment before the due date by simply visiting the Plebgraph app. You can click on the "PAY NOW" li on your app home screen to make the repayment.

If you miss an EMI payment, penalties may apply based on the loan agreement. We encourage you to pay on time to avoid additional charges and maintain a good credit score.

The loan history and repayment details of all our customers are forwarded to the credit bureau every quarter. The credit bureau may take at least a week to update the same on your credit report.
For more details regarding credit report updation, kindly contact the respective credit bureau.

A cooling-off/look-up period is the time window as determined by the Board of the NBFC which shall be given to borrowers for existing digital loans, in case a borrower decides not to continue with the loan. No additional fee would be charged during the cooling-off period and the borrower is liable to pay only the disbursed loan amount. The cooling-off window is determined to be in 72 hours

You can deactivate the loan from here only during the cooling-off period

There can be multiple reasons why you are not eligible for the cooling-off period.

1. The Stipulated 3-day time limit is over.
2. No active loans.
3. Repayment is partially paid.
4. Disbursement is under process.

Yes, you can prepay your loan in full before the scheduled tenure.

Don't worry! It sometimes takes up to 24 to 48 working hours for the payment to get updated in the system. In rare scenarios, if there are any technical issues from your bank's server, the money will get reversed into your account within 7 working days.

Yes, late payments may attract a penalty. We recommend making timely payments to avoid penalties and maintain a good credit score.

To update your mobile number, please follow these steps:

1. Open the Plebgraph app on your device and log in to your account.
2. Go to the “My Account” section and select “Personal details.”
3. Locate “Mobile Number“ and click on the “Change” button next to your current mobile number.
4. Enter the New Mobile Number and Click on Send OTP.
5. Enter the OTP (One-Time Password) sent to your new mobile number and continue with the steps.

To update your Email ID, please follow these steps:

1. Open the Plebgraph app on your device and log in to your account.
2. Go to the “My Account” section and select “Personal details.”
3. Locate “Email ID“ and click the “Change” button next to your current email id.
4. Enter your new Email ID and Click On Save to Update.

To delete your data, click on this link . Please note that deleting your data is permanent, and you will not be able to recover it.

You can delete your Plebgraph account in two ways:

- Request deletion through the Plebgraph app under app settings.

- To proceed with account deletion click here

No, account deletion is irreversible. Once you delete your account, it will be permanently erased from Plebgraph's platform, and you will no longer be able to access it.

To cancel your delete request, simply click on the "Cancel" button in the delete account confirmation screen by clicking here . Your account will be restored, and you will continue to have access to your loan account.

You can also cancel the delete request from the Plebgraph App:

Steps to cancel a delete request from the loan app:

1. Open the Plebgraph app and log in to your account.
2. Go to the “My Account” section and select “App Settings.”
3. Click on “Delete Account“ and click on Cancel for Request Account Delete.

Note: You can only cancel your account delete request within 7 days. After 7 days, your request for delete is not acceptable.

Your data associated with your account will be permanently deleted from Plebgraph's system. However, Plebgraph is legally required to store your KYC and other loan-associated data for regulatory purposes. You will lose access to your profile, account history, data, and any associated content.

No, once your Plebgraph account is deleted, you cannot retrieve it or the associated data. You will need to create a new account if you wish to use Plebgraph's platform in the future.

Yes, Plebgraph will delete your data on our platform. However, Plebgraph is legally required to store your KYC and other loan-associated data for regulatory purposes.

If you have trouble deleting your Plebgraph account, you can call our support team at +91 22 4143 4799 or email them your query at support@plebgraph.com.

Yes, your Plebgraph account will be deleted within 7 working days. This action is irreversible, and you will not be able to take a loan using the same mobile & PAN number in the future.

Auto-debit is an option where users can configure recurring payments to be automatically processed on a set date. This facility lets you transfer the stress of remembering multiple payment dates every month.

Here are the steps for how auto-debit works in simple terms

1. Register for the auto-debit with your preferred bank.
2. Proceed with the same bank for loan disbursal.
3. Make sure you have enough balance in your bank account at least 2 days before the scheduled date. This is necessary to make a successful repayment automatically.
4. Payment deduction will take place at its scheduled date

The maximum limit of Rs 99,999 for auto-debit is considering future increased loan amount eligibility. However, only the repayment amount as per your Plebgraph loan will be automatically deducted.

Auto-debit is a one-time registration process for hassle-free payments. Auto-debit lets you transfer the stress of remembering payment dates every month. Timely repayments boost your credit score.

Plebgraph does not charge any fee for auto-debit registration but your bank may have a fee for registration as well as auto-debit failure due to insufficient balance. Refer to the question of charges.

You can add the preferred bank to your Plebgraph Loan application flow and register for auto-debit provided the bank is eligible.

The repayment amount will be automatically deducted on the scheduled date specified in the Plebgraph Loan.

Auto-debit repayment will not be processed due to insufficient funds and you can do a manual repayment using the pay now option in the App. Additionally, be aware that your bank may impose a fee in such cases.

Yes, you can manually pay any time before the scheduled date. On the scheduled date, the auto-debit process will be initiated automatically.

Make sure you have enough balance in your bank account at least 2 days before the scheduled date. This is necessary to make a successful repayment automatically.

There are no charges for auto-debit registration at present. However, the banks may charge verification charges that vary across banks.

The following banks do not charge auto-debit verification charges :-

Bank Name
AHMEDABAD DIST.CO-OP.BANK LTD
AU SMALL FINANCE BANK LTD
BANDHAN BANK LTD
BASSEIN CATHOLIC CO-OP.BANK LTD
CITI BANK
CITY UNION BANK LTD
DEVELOPMENT CREDIT BANK LTD
DOMBIVLI NAGARI SAHAKARI BANK LTD
HDFC BANK LTD
ICICI BANK LTD
IDFC BANK LIMITED
INDUSIND BANK LTD
PUNJAB & SIND BANK
PUNJAB AND MAHARASHTRA CO-OP BANK LTD
RATNAKAR BANK LTD
SHAMRAO VITTHAL CO OP BANK LTD
TAMILNADU MERCANTILE BANK LTD
YES BANK LTD

This happens whenever there is an issue with the integrity of Google Play services or with the app's interaction with the Play Store.

Please follow the below steps on encountering Play Integrity error messages.

1. Make sure you have the latest version of Google Play Store installed on your device.
2. Check your device's internet connection and try logging in again.
3. If the issue exists, please contact our customer support team at 022 4143 4799 or email us at support@plebgraph.com.for assistance.

You cannot directly prevent such failures but can reduce the occurrence of such issues by having a stable internet connection and also making sure that you are using the most recent version of the Google Play Store.

If you haven't received your loan amount after approval, please contact our customer support team at 022 4143 4799 or email us at support@plebgraph.com for assistance.

Absolutely! Plebgraph ensures the highest level of security with SSL encryption to protect your data and financial information. Your privacy is our top priority.

No, Plebgraph offers unsecured loans, meaning no guarantor or collateral is required. The loan is based on your creditworthiness and financial profile.

If you have any questions or need assistance, you can reach us at:

- Customer Care Number: 022 4143 4799

- Email: support@plebgraph.com.

- Address: Office No. 1082, Y-Wing, 1st Floor, Akshar Business Park, Plot Number-3, Sector Number-25, Road Block D, Vashi, Navi Mumbai- 400703