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NIRA FINANCE Personal Loan

Last Updated 22nd May 2022

Nira is an instant loan that you can avail of through the Nira app within 24 hours. These loans are easy loans and do not require any documents and credit history. You can avail personal loan from Nira at minimum rates starting at 24% for a maximum tenure of 12 Months.

Nira Interest Rate 24% to 30%
Processing Fee Flat ₹ 500
Loan Tenure 3 Months - 12 Months
Loan Amount ₹ 5,000 - ₹ 1,00,000
Age 21 - 55 years
Apply for Personal Loan @ 10.25%* Get upto ₹ 1,000* Voucher


There are many Personal Loan Apps in India and one of them is NIRA. It is a mobile and web-based platform designed to provide instant personal loans with minimal documentation digitally. On this app, you can get the credit approved in minutes. Along with instant credit, the application also provides 24*7 customer care services 365 days a year and offers various products, like cash loans, salary advances, and instant loans making it a popular choice for instant personal loan borrowers. An easy solution to a loan for everyone, getting credit through the app, has the following advantages:

    NIRA Personal Loan App: Important Details

    Some of the important NIRA loan details are:

    • NIRA Personal Loan Interest Rate starts from 24%.
    • They charge a processing fee of Flat Rs. 500 on personal loan.
    • Loan tenure of NIRA Personal Loan ranges from 3 Months to 12 Months.
    • Get a personal loan of ₹ 5,000 to ₹ 1,00,000 .

    NIRA Interest Rate

    NIRA loan interest rate starts from 24% on a personal loan, which is decided based on the income, occupation and credit history of the customer.

    NIRA App Download

    • The application can be easily installed by downloading from the play store. To download the application enter your mobile number.
    • An OTP with the downloading link will then be sent to the number.
    • Users can easily install the application by clicking on the link sent on the mobile number.

    How does NIRA App work?

    The process of getting credit is quick as the process is entirely online with no physical work. To get a loan you need to follow the following steps:

    • Create an account:You need to create an account with NIRA to get credit. Once you download the app, you will be required to give some permissions and basic information.
    • Checking eligibility: Based on the basic information provided by you, the app will show your personal loan eligibility, with eligible interest rate and tenure.
    • Filling details: After successfully checking the eligibility criterion, you will need to fill in all the necessary details to get the credit related to existing loans, occupation and employment details.
    • Providing bank details: You need to submit your bank accounts details for the disbursement of credit to your account.
    • Getting a loan: The amount of credit will then be directly transferred to your bank accounts.

    Documents Required for NIRA Personal Loan

    The disbursement of the loan is fast and requires a minimum of documents as compared to other loans. These are the documents that you need to submit for the loan.

    • Photo Identity proof: PAN Card
    • Permanent address proof: Aadhar card / Voter card / Utility bill / Driving license or Passport
    • Latest salary slips

    NIRA Customer Care Number

    • It has a dedicated customer care support line. If you are not satisfied with the services provided by the application, you can contact at helpline number at
    • You can also raise your concern or complaint on customer service email .

    Compare Personal Loan Apps Interest Rates

    AppInterest Rates
    Cashbean 33%
    Cashe 33%
    Early Salary 24%
    Finnable 18.99%
    Kreditbee 12.24%
    Loantap 12%
    MoneyTap 13%
    Paysense 15.96%


    How do I contact NIRA?

    If you have any concerns regarding the app services, you can call NIRA personal loan customer care number at . You can also write on their official email id at .

    How do I cancel a NIRA loan?

    You cannot cancel a loan once you have availed personal loan from NIRA mobile application.

    Is NIRA under RBI?

    Yes, NIRA App is registered with RBI that provides an instant personal loan. Other RBI registered apps Cashbean, Cashe, Early Salary, Finnable, Kreditbee, Loantap, MoneyTap, Paysense.

    What happens if I don't pay my NIRA loan?

    If you fail to pay your loan, you will be sent an intimation to repay your loan. However, failing to do so will make the lender write off your account along with having an impact on your credit score.

    Does NIRA affect credit score?

    If you avail personal loan from the NIRA app, you do not require any credit history; however, it will hurt your credit score if you fail to repay your EMI on time.

    What is the interest rate of NIRA?

    The app provides instant loans via a hassle-free process. Also, it offers affordable and convenient personal loans to salaried employees at an attractive rate of 24%.

    What is the Eligibility Criteria of NIRA?

    To apply for credit from the NIRA application, you need to meet the minimal documents and eligibility criteria. Unlike any other loan, it does not require any credit history to avail of the loan. The age of the borrower must fall in the age bracket of 21 to 55 years. Further, the loan application must range between ₹ 5,000 to ₹ 1,00,000 for a tenure of 3 Months to 12 Months. Apart from that, you must have a regular income of ₹ 12,000.

    How do I repay my NIRA loan?

    The credit taken through this mobile app loan can be repaid through multiple modes like Debit card, UPI, Netbanking, and wallet.

    How do I get a loan from NIRA?

    The process of getting a personal loan through NIRA is easy, quick, and affordable. You need to follow these steps to get instant credit. (i) Install the application from the play store. (ii) Register yourself via mobile number. (iii) Fill in necessary personal details and submit the KYC documents. (iv) The application is reviewed online as soon as possible. (v) After reviewing of application, the agreement is signed online, and the loan amount is disbursed.

    Is NIRA a safe site?

    The data shared by the app is transferred to the lenders with the consent of borrowers over a secure connection. Hence, it is a safe and reliable app to apply and get an instant personal loan.

    Does NIRA check the CIBIL score?

    Yes, every loan or a loan application whoever offers a personal loan do check credit score. This is one of the important requirements to avail of a personal loan from any lender.

    How can I get a salary in advance with the NIRA?

    NIRA mobile app provides salary advances to working professionals for overcoming any financial constraint. It offers advances with a limit of ₹ 5,000 to ₹ 1,00,000 at zero credit history.

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