Who actually qualifies
- Monthly salary
- Rs 18,000+
- Age
- 21 to 58
- Time in role
- 3 months
- Documents
- Aadhaar, PAN, 3 slips
Bars show how often each criterion is already met by applicants who reach the document stage.
Money for what will not wait
Rs 5,000 to Rs 1,00,000 for salaried professionals. Decision in under 30 minutes, money the same day.
A soft check. It leaves no mark on your credit report.
- Rs 10 Cr+
- disbursed to date
- 1,000+
- salaried customers served
- 7
- cities across India
28min
060 min
Median time to a written offer
5k to 1L
Rs 0Rs 1,00,000
What you can borrow, in rupees
180days
15 days180 days
Longest tenure you can choose
Rs 0
Rs 010% typical
Charged if you close the loan early
A salary is a promise your employer already keeps every month. We lend against that promise, not against your paperwork, not against your postcode, and not against a reason you have to justify to a stranger behind a counter.
Four moves, no branch
The whole thing happens on the device already in your hand. Here is what the file looks like while it moves through our floor.
LKC-48219In review
Sanctioned
Rs 75,000
90 days
repay by 14 Dec
- Application received10:02
- Documents verified10:09
- Underwriting review10:24
- Transfer to bank account
- 012 min
Check eligibility
Your mobile number and a few salary details. Two minutes, and no impact on your credit score.
- 025 min
Upload documents
Aadhaar, PAN and three months of salary slips, photographed from your phone and encrypted on the way up.
- 0328 min
Get a written decision
Underwriting reviews the file digitally and returns an offer with every rupee of cost spelled out.
- 04Same day
Money in your account
Accept the offer and the amount lands in the salary account we already verified. No branch, no cheque.
One loan, many reasons
We lend against your salary, not against your reason. Tell us what it is for and we shape the tenure around it.
If your salary lands in a bank, start here
Rs 0
to close early, on any day of the tenure
Your data is not the product
Encrypted in transit and at rest. Never sold, never shared with third-party agencies.
100%
online, from application to disbursal
7
cities, Delhi NCR through Chennai
1%
per day, charged only for the days you hold the loan
The whole cost, up front
Move the two controls. Interest, processing fee and GST are shown as rupees, not as footnotes. Nothing is added after you sign.
Loan amountRs 30,000
Rs 5,000Rs 1,00,000
Tenure30 days
15 days180 days
Illustrative. Interest is 1% per day and a processing fee of up to 10% plus GST is deducted at disbursal. Your final offer depends on your credit profile.
- PrincipalRs 30,000
- InterestRs 9,000
- Fee and GSTRs 3,540
Credited to your account
Rs 26,460
- Loan amount
- Rs 30,000
- Interest, 1% for 30 days
- Rs 9,000
- Processing fee, 10%
- Rs 3,000
- GST on fee, 18%
- Rs 540
Total repayableon day 30
Rs 39,000
I applied at 9:40 from a hospital waiting room. The money was in my account before lunch.
Ritika Menon
Operations lead, Bengaluru
Every charge, on one page
No asterisks and no clause that changes at signing. This is the complete list.
Loan basics
- Minimum loan amount
- Rs 5,000
- Maximum loan amount
- Rs 1,00,000
- Loan tenure
- Up to 180 days
- Processing fee
- Up to 10%
Charges and fees
- Pre-closure charges
- None
- Interest charges
- 1% per day
- Annual percentage rate
- Up to 46%
- Cheque bounce charges
- Rs 500 + GST
LakshayCash is a brand operated and promoted by the RBI-registered NBFC [NBFCNAME].
RBI registration no. [RBI_REGISTRATION_NO]
We have no mobile app
We lend only through this website and our CRM. There is no LakshayCash application on the Play Store or the App Store, and we never disburse through one. If you find a lending app using our name or logo, it is not us. Report it to [EMAIL].
Ask the awkward ones
Still unsure? Call [PHONE] between 9:30 am and 6:30 pm, Monday to Saturday.
An unsecured loan you can use for almost any purpose. Unlike a car or home loan it needs no collateral. You receive a lump sum and repay a fixed amount over an agreed period.
Almost anything: consolidating existing dues, home repairs, medical expenses, a wedding, travel, course fees or a large purchase. We place no restriction on the end use for salaried borrowers.
Check your eligibility with your mobile number and basic salary details, complete the application with your documents, and once the offer is accepted the funds are usually credited the same day.
The shorter the tenure, the lower the total interest you pay. Your rate depends on your application, credit history and score, the tenure you choose and the purpose of the loan. A stronger credit score earns a better rate.
No. The eligibility check is a soft enquiry and leaves no mark on your credit report. A hard enquiry happens only once you accept a formal offer.
Yes, and there is no pre-closure charge. Close the loan whenever you like and you pay interest only for the days you actually held it.
Find out what you qualify for today
Nothing to print, no branch to visit, and checking leaves no mark on your credit report.