BlueMoney is a digital lending platform built around one idea: know the instalment before you commit. Fix your amount and tenure, read the full month-by-month schedule, and borrow only when the numbers work.
No credit enquiry for checking an indicative quote · No branch visit
Most of the anxiety around borrowing comes from not knowing what happens after you sign. We front-load that information instead of hiding it in a PDF.
Three structures, one digital journey. Switch your profile to see the rate band that applies to you.
Working capital for shops, traders, service businesses and small manufacturers — inventory, equipment, staffing or a seasonal gap.
A fixed-EMI loan for planned expenses — medical treatment, education, a wedding, travel, home repair or consolidating costlier debt.
A revolving limit you draw from when needed and repay as funds come in. Interest applies only to the amount actually drawn.
* Rates shown are indicative from-rates on a reducing-balance basis and vary with credit profile, income evidence and the lending partner's policy. The APR for your loan is stated in the Key Fact Statement.
Four stages, all digital. Scroll the rail to walk through them.
Stage 1 to Stage 4 · average completion under 20 minutes
Enter the amount and tenure you have in mind. You will see an indicative instalment immediately, before sharing a single document.
PAN and Aadhaar verification through DigiLocker where available, plus the bank account you want funds credited to. All digital.
The lending partner returns an offer with amount, rate and tenure. Read the Key Fact Statement — the all-inclusive cost sits in one place.
e-Sign the agreement and the money is transferred to your bank account. Your repayment schedule is already in your dashboard.
Swipe or drag on touch devices
Reducing-balance instalment, exactly as the lender computes it. Adjust any input and the schedule below rebuilds.
Calculation is illustrative. Values are treated as fixed for the whole tenure, whereas a real loan may carry a floating rate or a rate reset. Actual figures are set by the lending partner.
| Month | Opening balance | Principal | Interest | Closing balance |
|---|
Instalment computed on a reducing-balance basis: EMI = P × r × (1+r)n ÷ ((1+r)n − 1), where r is the monthly rate and n the number of instalments. Amounts are rounded to the nearest rupee. You receive ₹0 after the processing fee and GST are deducted at disbursal.
These are the baseline criteria the underwriting engine looks for. Meeting them does not guarantee approval — the lending partner assesses the full profile.
Gathering these before you start keeps the application under twenty minutes.
For identity verification and to match your credit bureau record.
OTP verification runs on the number registered with Aadhaar.
Where the loan is credited and the repayment mandate is set up.
Salary slips for salaried applicants; six-month bank statement for self-employed.
Every charge that can appear on a BlueMoney loan, with the point at which it applies. Nothing is added at repayment beyond what is listed here and in your Key Fact Statement.
| Charge head | Indicative value | When it applies |
|---|---|---|
| Interest rate | 1.25% — 2.50% per month | Charged on the reducing balance for the tenure of the loan. Equivalent to roughly 15% — 30% per annum. |
| Processing fee | Up to 3% of the sanctioned amount | One-time, deducted at disbursal. Non-refundable, including on early repayment. |
| GST on processing fee | 18% of the processing fee | Recovered as required by law, at disbursal. |
| Bounce charge | As stated in your KFS | If an EMI mandate or NACH debit fails for insufficient funds. |
| Late payment charge | As stated in your KFS | On instalments not received by the due date. |
| Foreclosure / prepayment | As stated in your KFS | Disclosed upfront. Applied only if you close the loan before the final instalment. |
| Duplicate statement / document | As stated in your KFS | On request, after the loan is closed. |
Lending fraud follows a recognisable pattern. Knowing it is the best protection — for you and for us.
All data moves over TLS. Access to borrower records is role-restricted and logged.
We collect what underwriting needs and nothing more. Your data is not sold to third parties.
We never ask you to install remote-access software, and never ask for your UPI PIN, OTP or card CVV.
Our processing fee is deducted from the sanctioned amount. Any demand to transfer money to an individual's account first is fraud.
We do not contact your family, friends or colleagues for recovery. Report anyone who does while claiming to act for us.
Genuine communication comes from +91 99302 96785 or an address ending in @bluemoney.in. Ring us back to confirm anything suspicious.
The eight things borrowers ask us most. Anything not covered here, call the number at the top of this page.
Read the full FAQNeither. BlueMoney is a digital lending platform operated by BLUEORBIT IT & MARKETING SOLUTIONS PRIVATE LIMITED, and we act as a Lending Service Provider (LSP).
Loans are originated and sanctioned by our RBI-registered lending partners. Their name and RBI registration number appear in your loan agreement and Key Fact Statement.
On a reducing-balance basis. The monthly rate is applied to the outstanding balance each month, so the interest share of your EMI falls over the tenure while the principal share rises.
The full month-by-month schedule is on our calculator — every instalment, split into principal and interest, with the closing balance.
Because the processing fee and the GST on it are deducted before the money reaches you. On a ₹5,00,000 sanction with a 2% fee, ₹10,000 plus ₹1,800 GST is deducted, so ₹4,88,200 is credited.
The sanctioned principal stays ₹5,00,000 and your EMI is computed on that figure, not on the net credit.
Most decisions come back within minutes of completing KYC. Disbursal usually happens the same working day once your bank account is verified and the agreement is e-signed.
Unclear documents or a manual verification step can extend this, and we will tell you if that happens.
Yes. Closing early reduces the interest you pay because interest is charged only on the balance outstanding. Any foreclosure charge is disclosed in your Key Fact Statement before you accept the offer.
The processing fee is not refunded on early closure.
Using our calculator has no effect on your credit score — it is arithmetic and needs no personal details. Once you submit an application, the lending partner runs a bureau enquiry as part of underwriting, and that enquiry may appear on your credit report.
Data is collected only to assess and service your application, transmitted encrypted, and shared strictly with the lending partner, credit bureaus and the service providers involved in that process. We do not sell personal data.
See our Privacy Policy for detail.
Write to our Grievance Redressal Officer with your application reference. We acknowledge within 48 hours and target resolution within 30 days. Unresolved matters can be escalated to the lending partner, to the RBI's Consumer Education and Protection Department, and thereafter to the Integrated Ombudsman.
If the schedule looks right, leave your number and our team will get back with a personalised offer. If it doesn't, close the tab — costing you nothing is rather the point.
No credit enquiry is created by submitting this form.
