Community Q&A
FAQ — Loans, Investments & Credit Score
Quick answers optimized for Google FAQ rich snippets — plus a place to ask what we should cover next on the Bharosa blog.
Loans & Borrowing
लोन और उधार · Personal loans, EMI, KYC, and disbursement on Bharosa.
What loan amounts can I borrow on Bharosa?+Bharosa पर कितना लोन मिल सकता है?
Eligible borrowers can request personal loans from ₹500 up to ₹5,00,000 depending on KYC, credit profile, and dynamic limits after successful repayments.
पात्र borrowers ₹500 से ₹5,00,000 तक personal loan request कर सकते हैं — KYC, credit profile और successful repayment के बाद limit बढ़ सकती है।
What documents are required for KYC?+KYC के लिए कौन से documents चाहिए?
PAN, Aadhaar-linked details, bank account proof, live selfie, and consent video are required before disbursement per RBI digital lending norms.
RBI digital lending norms के अनुसार disbursement से पहले PAN, Aadhaar, bank proof, live selfie और consent video ज़रूरी हैं।
How do I pay my EMI?+EMI कैसे भरें?
Pay via UPI/card through the borrower dashboard, or enable AutoPay e-NACH mandate. Early EMI payments pause autopay until the due cycle passes.
Borrower dashboard से UPI/card से pay करें, या AutoPay e-NACH mandate चालू करें। जल्दी EMI भरने पर autopay due date तक pause हो सकता है।
Investments & P2P
निवेश और P2P · Investor wallet, returns, auto-pool, and withdrawals.
What returns can P2P investors expect?+P2P investors को कितना return मिल सकता है?
Returns depend on loan performance and diversification. Bharosa targets up to ~18% gross on curated micro-loans — use our SIP/P2P calculators for projections, not guarantees.
Returns loan performance और diversification पर depend करते हैं। Bharosa curated micro-loans पर ~18% gross target करता है — calculators projection के लिए हैं, guarantee नहीं।
How do I add or withdraw wallet funds?+Wallet में पैसे add/withdraw कैसे करें?
Investors top up via Razorpay from the dashboard. Withdrawals go to your KYC bank account after admin review with UTR in passbook.
Investors dashboard से Razorpay top-up करते हैं। Withdrawals KYC bank account में admin review के बाद UTR के साथ passbook में दिखते हैं।
Credit Score
क्रेडिट स्कोर · CIBIL, eligibility, and improving your profile.
Does Bharosa check my CIBIL score?+क्या Bharosa CIBIL score check करता है?
Bharosa evaluates creditworthiness using KYC, repayment history on-platform, and bureau checks where applicable. Use our free credit score tool for an indicative score before applying.
Bharosa KYC, on-platform repayment history और जहाँ लागू हो bureau checks से creditworthiness evaluate करता है। Apply से पहले free credit score tool use करें।
How can I improve my loan approval chances?+Loan approval chances कैसे बढ़ाएँ?
Pay EMIs on time, keep FOIR under 50%, maintain low credit utilisation, and build trust on Bharosa with successful loan closures for limit upgrades.
EMI time पर pay करें, FOIR 50% से कम रखें, credit utilisation low रखें, और Bharosa पर successful loan closure से trust/limit upgrade पाएँ।