Step by step process

✔️ Suggest InCred personal loan to everyone in your network. Ensure to meet and educate them properly about its benefits.

✔️ Open the details by clicking on the product and share the link with interested customers.

✔️ Ask the customer to click on the link shared by you, then enter name & mobile number to continue.

✔️ The link will redirect customers to the InCred app download link.

✔️ The customer has to install the app on their Android smartphone.

✔️ Ask the customer to select the language in which the process needs to be continued.

✔️ The app verification page will now be displayed on the screen. The privacy policy and Whatsapp checkbox need to be ticked to proceed further.

✔️ Now enter the mobile number to start the sign-in process.

✔️ The customer will get an OTP for verification. It will be auto-read for verification.

✔️ If the OTP is not received, the customer can also go for the SMS-based sign-in process by clicking on the button at the bottom.

✔️ Create the 4-digit security pin now.

✔️ Grant access permission to SMS, location, and camera and continue.

✔️ Enter your PAN for identity verification. If your PAN is pre-filled, just confirm it. If not, you’ll have to enter it manually.

✔️ Fill out the basic details form. This includes personal information like your name (which is pulled from your PAN details), current address, and employment details. Make sure to provide the correct pincode associated with your area.

✔️ Confirm your details and tap on ‘Continue’. Your application will now start processing.

✔️ Your credit limit will now be determined through a CIBIL pull, and the results will be displayed on your screen.

✔️ You’ll be shown the loan amount selector screen if you get approved. Here, you can choose the loan amount you require.

✔️ Proceed with either the Small ticket or Big ticket journey based on your chosen loan amount.

✔️ Enter your bank name, account number, and IFSC code for penny testing. This is an important part of the verification process, where Re.1 will be deposited in the account for detailed confirmation.

✔️ If you choose the Big Ticket Journey, you must submit your banking statement for income verification.

✔️ Now, the employment details will be verified through the EPFO. The customer may have to validate the employment by entering the office email address and OTP.

✔️ The customer will now need to complete the Self FI from the application for residence verification.

✔️ Provide two reference details for further verification: one colleague and one family/friend, in case the self-residence verification does not work.

✔️ Once the reference verification task is done, the loan disbursement process will start.

✔️ The amount will be credited to the customer’s bank account.