Frequently asked,honestly answered.

Most users complete the entire application in under 6 minutes. Approved loans are disbursed within 4 working hours of acceptance of the loan agreement.

Our Payday Advance ranges from ₹1,000 to ₹50,000 (tenure 7–90 days). Personal Loans range from ₹10,000 to ₹1,50,000 with tenures of up to 12 months.

Interest rates start from 0.30%/day for Personal Loans and 0.80%/day for Payday Advance. Processing fees are up to 10% of the sanctioned amount and are fully disclosed in your Key Fact Statement (KFS) before you accept.

No. Every charge interest, processing, GST, late fees is itemized in your Key Fact Statement (KFS) before loan acceptance. What you see is what you pay.

Eligible customers in good standing receive top-up offers automatically inside the app. Topups are subject to fresh underwriting by the lending NBFC.

Jora Capital Services Pvt. Ltd. operates as a Lending Service Provider (LSP) in compliance with RBI Digital Lending Guidelines (Sept 2, 2022). All loans are originated, sanctioned, and serviced by RBI-registered NBFCs, including our partner Salora Capital Limited.

Yes. We use bank-grade AES-256 encryption, ISO-aligned controls, and never sell or rent your data. KYC information is shared only with the lending NBFC strictly for loan processing.

Repayment is automated via UPI Autopay or NACH e-mandate set up at disbursement. You can also pay manually through the app at any time.

We send reminders well before the due date. A grace period applies; beyond that, late fees may be charged as per your Key Fact Statement (KFS). Reach out early we always prefer to find a workable plan.

Yes. You can prepay partially or in full anytime through the app. Prepayment is encouraged and may reduce interest paid; any applicable charges are disclosed in your loan agreement.

EMI date adjustments are possible in select cases. Contact support and we'll evaluate based on your loan terms and repayment history.

Yes. Every successful EMI generates an instant in-app receipt with a downloadable PDF. End-of-loan closure letters are emailed automatically.

Email support@joracapital.in or call +91 88001 23456 our team responds 24/7. You can also raise a ticket directly inside the app.

The app shows real-time status from application to disbursal. You'll also get SMS, email, and in-app notifications at every milestone.

Email support@joracapital.in with the subject 'Grievance'. Our Grievance Redressal Officer responds within the timelines mandated by RBI. Unresolved issues can be escalated to RBI's Integrated Ombudsman Scheme.

The app and support team operate in English and Hindi today, with Marathi, Tamil, and Telugu rolling out through 2026.

Indian residents aged 21–58 with a verifiable income source (salary or business). Bureau score and a few real time underwriting signals decide the final offer.

We do a soft pull initially, which does not impact your score. A hard inquiry only happens after you accept a final offer.

Yes. We look beyond the bureau score bank statement signals, repayment patterns, and stability also matter. Approval is not guaranteed but is genuinely possible.