FAQ's

Frequently Asked Question (FAQ's)

What are the minimum documents required for loan approval?

• Selfie
• PAN Card
• Aadhar Card (Address Proof)

What other documents may be required basis my profile?

To complete Digital KYC, you simply need your Aadhaar Card along with your PAN Card

Is Income Proof like a Bank Statement necessary for availing loan?

Income Proof is not required for all customers. However, for certain high-value loans, depending on the customer’s credit profile, we may request Income Proof by linking the bank account or providing a PDF bank statement, so that the statement can be securely fetched and verified online.

If I do not possess a PAN Card and have never applied for it, can I still avail loan from Ring?

Unfortunately, we need to validate your PAN Card number before we can process your application further. Therefore, you must hold a valid PAN Card to complete our loan application process. If you do not have one, you can instantly get an e-PAN linked to your Aadhaar through NSDL or UTIITSL.

What are the types of loans provided by you ?

We offer a wide range of loan options including Business Loans, Personal Loans, Loans Against Property, Home Loans, Medical Loans, Instant Loans, Education Loans, Loans Against Mutual Funds, and Electric Bike Loans.

What is the eligibility criteria for a loan ?

Loan eligibility is determine by key factors such as your income, credit score, employment status, age, and overall repayment capacity.

How long will it take to disburse the loan ?

After we approve your loan, we promptly disburse the funds once we receive all required documents.

I do not have my original PAN Card but a photocopy of the same, am I still eligible for the loan application process?

No worries. For digital KYC processing, in most cases, providing only your PAN (Permanent Account Number) is sufficient.

How can you get a loan instantly without paperwork and long waiting times?

With our digital app, you can apply for a loan anytime, anywhere, in just a few taps on your smartphone. Whether you want to consolidate debt, cover unexpected expenses, or fund your dreams, we’re here to make it quick and hassle-free.

Is Income Proof like a Bank Statement necessary for availing loan?

Yes we require income proof, like a bank statement, to assess your repayment capacity before loan approval.

What is the process to revoke consent for Experian?

To revoke your consent for Experian, please email us at info@swipeloan.in. After successful verification, your consent will be revoked within 15 working days, and all associated access to your credit information will be discontinued in accordance with applicable data protection regulations.