PhonePe: UPI, Gold, Insurance

PhonePe is your instant personal loan app with pre-approved loan offers and quick digital disbursal. Start mutual fund SIPs from Rs. 10 a day, save in 24K Digital Gold, and manage UPI payments, recharge, bills and insurance in one app.

🏦 Personal Loans on PhonePe

Get an instant loan through PhonePe from lending partners with a simple, paperless process and direct disbursal to your bank account.
• Check your pre-approved offer and apply directly through our personal loan app.
• Apply for a personal loan without paperwork or branch visits using our loan app.
• Get quick loan approval and digital disbursal within minutes, subject to eligibility.
• Explore loan offers from RBI-regulated lending partners with competitive interest rates.
• Apply for an online loan anytime and choose an amount that suits your needs, all through our loan app.
• Choose your loan repayment tenure from 6 to 48 months, based on the available offer.

📈 Invest with Mutual Fund SIPs

Start a mutual fund SIP with just Rs. 10 a day and invest towards your long-term goals.
• Choose from 1,000+ mutual funds, including equity funds, debt mutual funds, gold funds and multi-asset funds.
• Get mutual fund analysis with our CRISP score, based on Consistency, Risk and Investment Style.
• Choose funds from mutual fund providers such as SBI, HDFC, ICICI Prudential, and Axis, all through one mutual fund app.
• Save tax under Section 80C with ELSS mutual funds, which have a 3-year lock-in period.
• Track your mutual fund SIP payments in one mutual fund app.
• Easily pause, modify or stop your mutual fund SIP anytime without any penalty.

Save in 24K Digital Gold & 999-Purity Silver

Buy 24K Digital Gold or 999-purity Silver online, starting at just Rs. 10.
• Invest in gold and silver anytime, in amounts that suit your budget.
• Check the live gold rate before you invest.
• Your holdings are securely stored in insured vaults managed by our storage partners.
• Sell gold online anytime at the live market price.
• Redeem your gold investment for physical coins or bars anytime.

💸 Send Money with UPI

Send money instantly using BHIM UPI directly from your linked bank account.
• Transfer money to any UPI ID or mobile number in seconds, at no charge.
• Link your bank accounts from SBI, HDFC, ICICI, Axis, PNB, BOB, IPPB, Indian Bank, Union Bank, Canara Bank and 140+ other banks to check your balance.
• Send or receive money via UPI across Paytm, Google Pay, BHIM, YONO SBI, BOB World, PNB One, IPPB Mobile Banking, Bajaj Finance, Airtel Payment, Super Money, Mobikwik, Navi, CRED, FamPay, IndSMART IndianBank Mobile App and more.
• Pay at shops, pharmacies and restaurants by scanning a UPI QR code.
• Keep track of every UPI transaction in one place.

📱 Recharge & Pay Bills

Recharge your phone and pay household bills directly through the app.
• Recharge prepaid numbers for Jio, Airtel, Vi and BSNL in seconds.
• Renew your Tata Play or Airtel Digital TV subscription.
• Pay electricity, water, gas, FASTag and landline bills in seconds.

PhonePe Lending

Loans are approved and disbursed by PhonePe's RBI-regulated lending partners, through a fully digital process.

Repayment Period: 6 - 48 Months
Maximum APR: 36%

Example:
Loan Amount: Rs. 1,00,000
Tenure: 12 months
Rate of Interest: 11.76% per annum
Processing Fee: Rs. 3,245 (3.25%)
GST on Processing Fee: Rs. 584
Total Interest: Rs. 12,696
EMI: Rs. 4,694
Maximum APR: 14.52% per month
Amount Disbursed: Rs. 96,755
Total Repayment Amount: Rs. 1,12,696

We offer loans from India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, PayU Finance & Credit Saison India

Download PhonePe for mutual fund SIPs, personal loans and digital gold - also searched by millions as Pay Phone, Pe Phone, PhonePe Download or Phone Pay App.

Privacy policy- https://www.phonepe.com/privacy-policy/