Benefits:
Instant loan approval
Only PAN, Aadhaar & basic income proof required
For salaried & self-employed Indian citizens
Loan amount from ₹500 to ₹20,000
Money in bank within 10 minutes
Available PAN India
Whom to sell?
Age: 22-65 years
Minimum Monthly Income: ₹15,000
Employment Type: Salaried or Self-Employed with regular income
How it works?
1. Watch the training video and share the link with eligible customers in your network.
2. The customer needs to enter and verify their mobile number using OTP which should be linked to their Aadhaar and PAN
3. The customer needs to fill in basic details according to the PAN Card.
4. Then they need to fill personal and professional details, after which they will be shown the recommended products as per their eligibility
5. Select Paapa Pay Personal Loan and proceed to complete the application process.
6. If customer is not eligible for PaapaPay Personal Loan, they can choose any other product from the recommendations
7. Once Customer opens PaapaPay link, the application form opens.
8. Enters mobile number completes OTP verification.
9. Provides PAN & Aadhaar for identity verification.
10. Enters income/salary details (minimum ₹15,000 required).
11. Uploads basic documents (ID proof + income proof/bank statement).
12. System runs underwriting check based on income, credit history, and risk profile.
13. Customer receives eligible loan offer with amount & tenure.
14. On acceptance, loan is disbursed directly to bank account within 10 minutes.
15. Payout gets credited once disbursal is confirmed in the report shared by Brand.
Terms & Conditions
DOS
Ensure the customer has 15k+ monthly income.
Educate users on repayment schedules & charges
Follow up until KYC + document upload
Verify customer has valid PAN & Aadhaar
DON'TS
Do NOT pitch to students or minors (age must be 22+)
Do NOT misrepresent loan amount caps (max ₹20,000)
Do NOT assure guaranteed approval
Do NOT encourage incorrect document uploads
ETIQUETTES
Introduce yourself as a GroMo Partner
Take customer consent before assistance
Maintain professional tone & timing (9:30 AM-7 PM)
Guide clearly through document and KYC steps.
Thank the customer for applying
OTHER T&Cs
Partner must comply with lender, RBI & GroMo policies
Mis-selling or fraud leads to automatic payout deduction
Customer must complete correct KYC & provide genuine income proof
Loan approval subject to underwriting, not guaranteed
All loans must be sourced via UTM-tracked GroMo link