You must be an Indian resident, at least 21 years old at the time of application, and have a verifiable source of income. Exact eligibility depends on the product, your credit history and your repayment capacity, and is confirmed during the application.

Your sanctioned amount depends on your income, existing obligations and credit profile. You will see the amount you qualify for before you accept any offer, along with the applicable interest rate and tenure.

Checking your indicative eligibility does not affect your score. A formal credit enquiry is raised only when you submit a full application, and we will tell you before that happens.

Apply online through our app, complete KYC verification, upload the required documents, and receive a decision. Most applications move from submission to decision within a few business days.

Typically proof of identity (Aadhaar or PAN), proof of address, and proof of income such as recent salary slips or bank statements. You will see the exact list for your application before you submit it.

Approval times vary with the product and how complete your application is. Straightforward applications with all documents in order are usually decided within a few business days.

Interest rates depend on the loan type, amount, tenure and your credit profile. The exact rate applicable to you, along with all fees, is disclosed in your Key Fact Statement before you accept the loan.

There are no hidden charges. Every applicable fee, including processing fees and any penal charges, is set out in writing in your Key Fact Statement and loan agreement before you sign.

Repayment is by monthly EMI, usually collected automatically from your registered bank account. Your repayment schedule with due dates is available in the app at any time.

Yes. You can foreclose or partly prepay your loan. Any applicable foreclosure charges are stated in your loan agreement, and our team can give you an exact settlement figure on request.

Write to our Grievance Redressal Officer at grievance@birmechasecurities.com or call 1800 123 4567 between 10:00 AM and 7:00 PM, Monday to Saturday. We acknowledge and work to resolve complaints within fourteen days of receipt.

Yes. We collect only what is needed to assess and service your loan, and we handle it in line with our Privacy Policy and applicable RBI digital lending guidelines. You can read the full policy on our Privacy Policy page.

Birmecha Securities Pvt. Ltd. is a Non-Banking Financial Company registered with the Reserve Bank of India under registration number B.05.05244 (CIN U67120WB1994PTC063514).