Frequently asked questions.

Salaried Indian residents aged 21 to 60 whose salary is credited to a bank account in their own name, with a valid PAN and an Aadhaar linked to their mobile number. The final decision depends on our credit assessment.

Yes. We look at your income and banking behaviour alongside your bureau record, so a short credit history on its own does not rule you out. Recent defaults or very high existing debt may lead to a decline.

PAN, Aadhaar (fetched through DigiLocker), your bank statement (shared securely through an Account Aggregator or uploaded as a PDF) and a selfie for a liveness check. Nothing needs to be printed, signed by hand or couriered.

Through our lending partner Tap4Loan at www.tap4loan.com. Enter your mobile number, complete KYC, share your bank statement and review the offer. Golu Leasing & Finance Co. Private Limited assesses, sanctions and disburses the loan.

Once your application is approved and you accept the Key Fact Statement and e-sign the agreement, the amount is transferred to the bank account you verified. Timing depends on verification and banking hours.

Between ₹5,000 – ₹40,000. The amount offered depends on your income, obligations and repayment record. Repeat borrowers with a clean record are typically offered more.

It is a short-term loan designed to tide you over until salary day. The due date is set at sanction and shown in your Key Fact Statement; you repay the full amount in one go on that date.

Interest is simple daily interest on the principal at 0.4% – 1.1% per day, with no compounding. The exact rate for your loan, and the equivalent annual percentage rate (APR), are stated in your Key Fact Statement before you accept.

Yes, at any time. Prepayment and foreclosure charges are nil, and you pay interest only for the days the loan was outstanding.

Repayment is made directly to the lender — never to an agent or the partner. Use only the repayment options shown in your loan account on Tap4Loan. Never pay cash to an agent or transfer money to a personal account.

No. Applying is free and we never ask for money before disbursal. The only fee is the processing fee, which is deducted from the loan amount and itemised in your Key Fact Statement.

Up to 10% of the loan amount + GST. It is shown as a separate line in the KFS and is included in the APR so you can compare the true cost.

A penal charge of ₹500 per month on default (excluding GST) applies, and the delay is reported to credit bureaus, which can affect your credit score. Penal charges are a flat charge, not extra interest, and are never capitalised. If you expect difficulty, call us before the due date.

Yes — 1 day from disbursal. Within it you can exit the loan by repaying the principal and the proportionate interest, with no penalty. The processing fee is handled as set out in our Cancellation & Refund Policy.

Fees and charges attract GST at the prevailing rate (currently 18%). Interest itself does not attract GST. Every tax component is shown separately in the KFS.

Yes. Golu Leasing & Finance Co. Private Limited is a Non-Banking Financial Company holding RBI Certificate of Registration No. B-14.01773, incorporated in 1992 (CIN U74899DL1992PTC048349). We are the lender of record on every loan.

Tap4Loan (SVR Tech Solutions Private Limited) is our Lending Service Provider. It runs the website where you apply and helps service the loan. The loan itself is sanctioned, disbursed and owned by Golu Leasing & Finance Co. Private Limited.

Write to support@golufin.com or call +91 93114 80936. If you are not satisfied, escalate to our Grievance Redressal Officer, Vikram Gupta, at compliance@golufin.com. If the matter is unresolved after 30 days you may approach the RBI Ombudsman at cms.rbi.org.in.

Your data is collected with your consent, stored on servers in India and used only to assess and service your loan. We do not sell personal data. Our Privacy & Security Policy sets out the details.

Never. No employee, agent or partner of ours will ask for an advance fee, OTP, PIN or password. If someone does, stop, keep the evidence and report it to compliance@golufin.com.