💰 Upwards is India’s quickest personal loan provider for salaried individuals looking for short-term loans between Rs.25,000 - Rs.5,00,000. 💰

We provide hassle-free personal loans to all job profiles like software engineers, accountants, retail store employees, nurses and more with monthly salary >= Rs.20,000.

💰 Key Points:
- Interest Rates (APR, Minimum to Maximum): 16% to 32% per annum
- Maximum APR: 32%
- Repayment Period (Minimum to Maximum): 6 to 36 months
- Processing Fee: 2-4% of loan amount

Sample APR calculation: For a loan of Rs. 100,000 at 20% interest rate per annum for tenure of 12 months your one time processing fee (@2% of loan amount) will be Rs. 2000 and monthly EMI will be Rs. 9263/-. The net amount credited to you will be Rs 98,000 (post processing fee deduction) and cumulative amount paid back by you will be Rs 1,11,161/- (=Rs 9263 x 12 EMIs), leading to an APR of 24%

- We do not provide any pay-day loans or loans with less than 90 day repayment period in accordance with Google Policy.
- We provide full disclosure about our usage of any customer data and permissions at various points in our app (Sample app user journey -> https://bit.ly/2O770Or, privacy policy -> https://upwards.in/policy)

📝 Prominent Disclosures:
Our Lending Partners:
- Upwards Capital Pvt Ltd ( NBFC RBI Licence https://bit.ly/3oKV80X, Partnership link http://capital.upwards.in/partners )
- Aditya Birla Finance Limited ( NBFC partnership link https://personalfinance.adityabirlacapital.com/pages/individual/platform-partners.aspx )
- HDB Financial Services Ltd ( NBFC partnership link https://www.hdbfs.com/products/digital-lenders )
- InCred Financial Services Limited ( NBFC partnership link https://www.incred.com/partnership.html )
- Vivriti Capital Private Limited ( NBFC partnership link https://www.vivriticapital.com/contactus.html )
- PayU Finance India Private Limited ( NBFC partnership link https://www.payufin.in/ )

🎯 Why Upwards - Quick Personal Loans?
✔️ Quick approvals
✔️ No Paperwork. Everything on mobile app.
✔️ Only PAN, Bank Statement & Salary slip are required.
✔️ Quick loan disbursal in 1 Day
✔️ Minimum interest rate

🔐 Security & Protection of Privacy:
- Protection of your privacy and your data security is a top priority at Upwards. Our technology complies with mandated security standards & robust protocols which have been tested & certified.
- Detailed privacy policy here https://upwards.in/policy

👍 Eligibility:
- Salaried employee > Rs.20000/ month
- Age above 21 years and below 50 years

🏠 Personal Loan Available In Cities:
- Mumbai, Pune
- Delhi, Gurgaon, Noida
- Bengaluru
- Chennai, Coimbatore, Tirupur
- Hyderabad, Secunderabad
- Ahmedabad
- Jaipur, Indore
- 100+ more cities

🤝Upwards Quick Personal Loans are for:
- Home construction & renovation
- Family functions & weddings
- Self-improvement
- Medical emergencies
- Travel
- Two-wheeler purchase
- Electronic Purchases
- Multiple loan repayment

📲 How does Upwards work?
- Download and login
- Fill in your loan requirements and employment details
- Upload your KYC Docs, AADHAAR, PAN and photograph
- Approval will be communicated within 1-2 hours
- After that, we will process the loan agreement and you will get loan amount

✔️ Loan Approval Criteria:
- Income-to-Expense ratio
- Demographics (like Age)
- Professional experience (like employer & total work-ex)
- CIBIL Score > 625
- Purpose of your loan

❌Your loan will be rejected if:
- You provide false information about your income
- Apply for an amount which you cannot afford
- Past EMI payment (Credit) history is not up to the mark.

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