Nira Loan: referral code & Offers for 2025

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What is NIRA Loan?

NIRA is an RBI-registered NBFC committed to offering personal loans to salaried professionals. Also, it is one of the best apps for loans and finance. Also, they offer small loans at low interest rates so people live life without the tension. They bring relevant and accessible financial products to India’s huge market.

Type of Loan Gets in NIRA:

Instant Cash Loan
Personal Loan
Mobile EMI Loan
Small Loan

Things to know About NIRA Loan App

Loan Amount: Rs 5,000 to Rs 1,00,000
Minimum repayment period: 91 days,
Maximum repayment period: 24 months

NIRA Payment Modes

Auto-debit
App via net banking/debit card.
NEFT/IMPS
UPI

NIRA Finance Personal Loan Details

NIRA Loan Details	NIRA Finance Loans and Offers
Loan amount	Rs. 5,000 to Rs. 1 Lakh
Rate of interest	24% to 36% p.a.
Processing fee	Minimum Rs. 350 + GST and maximum 2% of the loan amount
Tenure	3 months to 12 months
Age	21 to 55 years
Minimum monthly salary	Rs. 12,000 or higher
Minimum CIBIL score	681 or above
Approval TAT	Within 2 to 48 hours the application is completed.

Eligibility Criteria for NIRA Loan:

Applicant: Indian citizen
Age: Between 21 years and 55 years
Education: College degree
Work Experience: Minimum of 6 months
Minimum Monthly income: Rs. 12,000.
Mandatary document: Aadhaar Card, PAN card
Document: Three months’ salary slip, Six months of bank statement

How to apply for an NIRA personal loan?

It is a simple process to apply for an NIRA personal loan. There are two ways you can apply for the loan through the online website or the NIRA app. Here will look for the steps to apply NIRA:

Step 1: Log in to the official website https://www.nirafinance.com/ or Install the NIRA in a mobile app.

Step 2: Get an in-principle decision in just 3 minutes just by filing the required details.

Step 3: Once you are eligible for the loan, upload the needed documents like ID proof, bank statement, etc.

Step 4: You will get the approval, once the verification is done successfully.

Step 5: After successful completion of the KYC Compliance, access to the line of credit will be given to you.

Step 6: You can choose the auto-debit mandate. Once your bank enables it, you can sign up for the mandate details digitally. If not, NIRA offers you other options such as pick-up for a paper mandate from the place and time you pick.

Step 7: Once everything is collected, the loan will be distributed to your bank account.

Step 8: Later, will be ready to use your loan for your end.

Charges for delayed payment

Days	NIRA Charges
Late Payment Charges	Rs. 500 Penalty
Delay of 30 days	3% of the EMI amount
Delay of 30-59 days	3% of the EMI amount + 2% of the outstanding balance
Delay of 60 to 89 days	3% of the EMI amount + 4% of the outstanding balance
Delay above 90 days	3% of the EMI amount + 5% of the outstanding balance

To get the loans with the best offers, stashfin offers at PaisaWapas are the best choice like NIRA. Navi, SBI Card are also the best platforms where you will get loans.

NIRA Loan - Frequently Asked Questions(FAQ)

Q1. What benefit I can get from NIRA Finance Loan App?

A. You can get Instant Cash Loans ranging from Rs 5 thousand to Rs 1 lakh with fewer documents.

Q2. In the absence of a net banking facility, how can I apply for the loan?

A. You can upload the soft copy of the bank statement for the last six months in PDF format if you do not have a net banking facility.

Q3. Which app I get a loan immediately?

A. In the NIRA app, you can get a loan immediately.

ⓘ Important Notice and TNCs

Add Product to your shopping cart only after clicking out from PaisaWapas App/Website
Cashback is not applicable on purchase made on Mobile App of NIRA Loan
Only use coupon codes listed on PaisaWapas (not those emailed or SMS'ed to you by NIRA Loan directly)
Do not visit any coupon or price comparison site after clicking out from PaisaWapas
Bulk orders are not permitted: Please note it is against PaisaWapas's policy to use our service for non-personal or commercial use. PaisaWapas may block all such accounts and forfeit their Cashback balances without any prior notice.
Cashback is NOT guaranteed. Using a Coupon, Gift Voucher, Gift Card, Gift Certificate not listed on Paisawapas and may void your Cashback
Cashback rates are subject to change at any time without prior notification.
All other TnC related to Cashback redemption and PaisaWapas are applicable by default