InCred Personal Loan

Step by step process

✅ Step 1: Share InCred Loan – Recommend the loan to your network and explain its benefits.

✅ Step 2: Open & Share the Link – Click on the product details and share the unique link with interested customers.

✅ Step 3: Customer Clicks the Link – They enter their name & mobile number to proceed.

✅ Step 4: Download the InCred App – The link redirects them to the app download page.

✅ Step 5: Install & Select Language – The customer installs the app and chooses their preferred language.

✅ Step 6: App Verification – Tick the privacy policy & WhatsApp checkbox to continue.

✅ Step 7: Mobile Number Sign-in – Enter the mobile number & verify via OTP.

✅ Step 8: Set a Security PIN – Create a 4-digit PIN for secure access.

✅ Step 9: Grant Permissions – Allow SMS, location & camera access.

✅ Step 10: PAN Verification – Enter or confirm the PAN card details.

✅ Step 11: Fill in Basic Details – Provide name, address, employment details & correct pincode.

✅ Step 12: Credit Check – The system fetches the CIBIL score to determine loan eligibility.

✅ Step 13: Loan Selection – If approved, the customer selects the loan amount.

✅ Step 14: Account Verification – Enter bank details for Re.1 verification.

✅ Step 15: Income Verification – Provide a bank statement if opting for a big-ticket loan.

✅ Step 16: Employment Verification – Validate EPFO details via office email & OTP.

✅ Step 17: Self-Verification – Complete residence verification through the app.

✅ Step 18: Reference Check – Provide two references (colleague & family/friend).

✅ Step 19: Loan Disbursement – Once verified, the loan amount is credited to the customer’s bank account.

Rules to Follow

1️⃣ Customer should NOT be an existing customer of InCred.

2️⃣ Customer must be 21 years or older.

3️⃣ Customer monthly salary should be at least ₹15000.

4️⃣ CIBIL Score must be 650 or above.

5️⃣Customer must have a valid Aadhaar & PAN card.

6️⃣ Use the same mobile number linked to Aadhaar during the application.

7️⃣ Customer's address must fall under eligible PIN codes.

8️⃣ Application must be completed in one go (single journey).


9️⃣ Check PIN code availability before proceeding.

🔟 Make sure there is no mismatch between PAN & Aadhaar.

1️⃣1️⃣ Do not submit multiple applications from the same device or mobile number.


Documents Required

✔️ No documentation is required for loan amounts up to ₹2,00,000

✔️ Banking details are necessary for loan amounts above ₹2,00,000

✔️ Aadhaar card

✔️ PAN card

✔️ Income proof

✔️ Address pr