TrueBalance – Personal Loan App

True Balance is a 100% safe and secure, lending & financial services platform, steering on the mission of “Finance For All”. True Balance is a personal loan app that has been trusted by over 75 million users across the country. Here, you may avail an online personal loan from ₹ 1,000 to ₹ 1,00,000 (Disbursal Amount) for a tenure of a minimum of 62 days to 6 months at a low processing fee. The APR ranges from 60% to 154.8%.

pply for a personal loan today and enjoy a better borrowing experience with the TrueBalance loan app

For example:

For ₹10,000 personal loan borrowed for 3 months, with interest rate @2.4% per month*, a user would pay:

-> Processing fee (@6%) = ₹600 + GST (18%) ₹108 = ₹708

-> Interest* = -CUMIPMT(2.4%*12/365*30, 3, 10000, 1, 3, 0) = ₹477

-> EMI = -PMT(2.4% * 12 / 365 * 30, 3, 10000₹) = ₹3,492

Total amount to be repaid = ₹11,185/- including Processing fee +GST

*Loan Interest Rate may vary based on the user’s risk profile

We facilitate loans from RBI licensed NBFC-True Credits Pvt. Ltd, Mamta Projects Pvt. Ltd, InCred Financial Services Limited, Grow money Capital Pvt. Ltd, Muthoot Finance Ltd and Vivriti Capital Pvt. Ltd. Also, the app enables its users to avail wallet services including recharges, bill payments and much more from licensed entities.

What’s New?
★ Coupon pop-up on payment options page shares the amount saved
★ Change in UI for earned coupon on the loan disbursal page
★ Recharge and bill payments flow display enhancement for coupon benefits
★ KYC Update allows user to share feedback in OTP page when unable to complete KYC
★ Change in the cash loan tenure display- options vary from 3 to 6 months
★ Minor Bug fixes

How to apply for a personal loan on True Balance?

● Install the True Balance app

● Log in to True Balance personal loan app by registering through your contact number

● Fill in your basic details to know your personal loan eligibility

● Submit KYC documents and apply for an instant loan

● Once the application is approved, we transfer the loan directly to your bank account

A quick glance at other multiple services offered by True Balance App.

Prepaid and Postpaid payment

• Recharge Prepaid/Postpaid and earn Cashback

• Super-fast recharges of any amount between 10/- to 2595/- on the network across 5 top operators

DTH, Pipes Gas, Electricity, Water, LPG, Bill Payment

• DTH recharge available for all 5 key operators. Earn Cashback per month.

• 54 Electricity boards, 24 Piped Gas, 3 LPG cylinders, and 30 Water billers

Please note

• Get maximum Cashback benefits from completing full KYC.

• All Cashback can be used within the app and can’t be transferred in any form.

App permissions & reasons:

• Location to let you know an appropriate plan as per the area/circle you are in.

• SMS to verify Phone number for registration only transactional SMS.

• Camera is required for full KYC process

• Phone to collect hardware model details, OS and version, network info, and to avoid fraud by ensuring that unauthorized devices are not able to act.


The entire process is completely online and secure, and it has a 4.0+ star rating, making it one of the best online loan apps in India.

We have a highly secured & encrypted system to ensure the safety of information shared by our customers. To know more about our privacy policy, click

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