Frequently Asked Questions

GammaMoney is a digital lending platform that connects borrowers with RBI-registered banks and NBFCs to provide fast, transparent personal loans and microfinance group loans — 100% online with no paperwork.

No. GammaMoney is a technology marketplace platform that connects borrowers with our network of regulated lending partners. The actual loan is disbursed by the partner bank or NBFC.

Any Indian citizen aged 21–60 years with a valid PAN card, Aadhaar card, and a regular income source (salaried or self-employed) can apply. A minimum monthly income of ₹15,000 is typically required.

While credit score requirements vary by lender, a CIBIL score of 650+ generally improves your chances of approval. We also have partners who cater to borrowers with limited credit history.

Loan approval depends on the lending partner and your profile. In many cases, you can receive in-principle approval within minutes, and funds can be disbursed within 24 hours of document verification.

Typically you need: PAN Card, Aadhaar Card, last 3 months bank statements, salary slips (for salaried) or ITR (for self-employed), and a selfie for KYC verification.

Yes, 100%. From application to KYC to document submission to loan disbursement — everything is done digitally through our platform. No branch visits or physical paperwork required.

Personal loan amounts range from ₹10,000 to ₹5,00,000 depending on your credit profile, income, and the lender's policy. Group microfinance loans go up to ₹2,00,000 per group.

Interest rates start from 12% per annum and vary by lender and applicant profile. All rates are clearly shown before you accept any loan offer — no hidden surprises.

A microfinance group loan allows 3–8 people to apply together and access credit collectively. The group members share repayment responsibility, which makes approval easier and rates more favourable.

Yes. We use 256-bit SSL encryption, secure cloud infrastructure, and strict data access policies. Your data is never sold to third parties and is only shared with your chosen lender for processing.

Yes. GammaMoney operates in compliance with RBI guidelines. All our lending partners are RBI-registered banks and NBFCs. We are a regulated fintech marketplace, not an unregistered money lender.