Looking for a simple, fast, and reliable way to borrow anytime? True Balance Loan Apply lets you apply 24×7 and receive money directly in your bank account with a fully digital process. This is an RBI-registered NBFC–backed loan app, trusted by millions for transparent pricing and quick approvals. You can choose between two flexible products based on your profile:
Level Up Loan: from ₹1,000 to ₹1,00,000, available with KYC only (no bank statement required).
Cash Loan: from ₹5,000 to ₹2,00,000, where you’ll upload a bank statement for assessment.
When you repay on time and build a solid track record, your eligible amount can increase up to ₹5,00,000 over time. That means True Balance Loan Apply is not just for emergencies; it can also help you gradually unlock higher limits. With Aadhaar, PAN, and simple verification, you can complete the application in minutes.
Whether your CIBIL is thin or moderate, True Balance Loan Apply provides a practical path to credit with fair terms, instant e-KYC, and RBI-regulated NBFC partnerships for safer lending.
About True Balance: Launch & Ownership
True Balance began in 2014 under Balance Hero (India operations via Balancehero India), founded by Cheol-won Lee. It initially helped users check mobile balance and quickly expanded into digital financial services, including micro-credit. In India, the lending is facilitated through RBI-registered NBFC partners, enabling compliant, transparent personal loans delivered via the True Balance app experience.
Over the years, the product suite evolved into Cash Loan and Level Up Loan, designed to include both new-to-credit and experienced borrowers. Today, True Balance Loan Apply stands out for quick KYC, flexible ticket sizes, and a repayment-linked path to higher limits.
Loan Types You Can Apply
Level Up Loan (KYC-only)
- Ticket size: ₹1,000 to ₹1,00,000
- Documents: Aadhaar + PAN (KYC only); no bank statement needed
- Purpose: Ideal for first-time borrowers, low/zero CIBIL, or small urgent needs
- Tenure: Typically 3–12 months (varies by offer)
- How it works: Start smaller → repay on time → limits level up automatically.
- Why it’s excellent: Fastest path to approval with minimal friction
Cash Loan (bank statement required)
- Ticket size: ₹5,000 to ₹2,00,000 initially; with excellent repayment behavior, eligibility can go up to ₹5,00,000
- Documents: Aadhaar + PAN + bank statement (usually last 3–6 months)
- Tenure: Typically 3–18 months (offer-dependent)
- Why it’s excellent: Larger ticket sizes, competitive pricing for good profiles
Tip: Use True Balance Loan Apply based on your immediate need and document readiness. If you want the quickest approval with fewer docs, start with Level Up Loan; if you need a larger amount, choose Cash Loan and upload your statement.
Eligibility & Basic Requirements
| Factor | Requirement (Typical) |
|---|---|
| Age | 21–55 years |
| Residency | Indian resident with an Aadhaar-linked mobile |
| Income | Regular monthly income (salaried or self-employed) |
| CIBIL Score | 0+ (Level Up works even for low/zero history) |
| Documents | Level Up: Aadhaar + PAN (KYC only) • Cash: Aadhaar + PAN + bank statement |
Documents Checklist
For Level Up Loan (KYC-only):
- Aadhaar Card
- PAN Card
- Live selfie + basic details (in-app)
For Cash Loan:
- Aadhaar Card
- PAN Card
- Bank statement (generally last 3–6 months)
- Live selfie + basic details (in-app)
Step-by-Step: How to Do a True Balance Loan Application (24×7)
- Install True Balance from the Play Store.
- Register with your Aadhaar-linked mobile number.
- Complete e-KYC (Aadhaar + PAN, selfie).
- Check your pre-approved or eligible offers.
- Choose Level Up Loan (KYC-only) or Cash Loan (upload bank statement).
- Select amount and tenure; review interest, fee, and due dates.
- E-Sign the agreement; set up auto-debit/repayment method.
- Amount is disbursed to your bank—you can apply 24×7.
₹5,000 Example (6-Month Tenure) — Transparent Costing
For illustration, assume a monthly interest rate of 2.5% on a reducing balance with a modest processing fee.
| Particulars | Amount |
|---|---|
| Principal (Loan Amount) | ₹5,000 |
| Tenure | 6 months |
| Monthly Interest (assumed) | 2.5% (reducing) |
| EMI (approx.) | ₹908 |
| Total of 6 EMIs (approx.) | ₹5,448 |
| Interest Component (approx.) | ₹448 |
| Processing Fee (example) | ₹150 |
| GST on Fee (18%) | ₹27 |
| Total Fees (deducted/disbursed) | ₹177 |
| Total Cash Outflow (EMIs + Fee) | ₹5,448 + ₹177 = ₹5,625 |
Note: The Processing fee is typically deducted from the disbursal amount; you still repay the EMIs in full. Actual APR varies by your profile and offer.
Pricing Snapshot (Indicative)
| Charge | Typical Range |
|---|---|
| Monthly Interest | ~2.0% – 3.0% |
| Processing Fee | Flat/percent (offer-linked) |
| GST | 18% on applicable fee |
| Late Fee (missed/overdue) | Slab/instance-based (see offer) |
| Tenure | 3–18 months (product/offer-dependent) |
True Balance Loan Apply shows all charges upfront before you accept. Always read the Key Fact Statement and the loan agreement.
CIBIL, Approval Logic & Limits
- Level Up Loan is designed for new-to-credit or low CIBIL users. With KYC only, you can start at smaller limits (₹1,000–₹1,00,000).
- Cash Loan relies on income proof via bank statements, enabling loans of ₹5,000–₹2,00,000, and, with a strong repayment track record, eligibility can scale up to ₹5,00,000.
- Timely EMIs → lower risk → better pricing and higher limits over time.
Late Fee, Overdue Rules & Impact (Read Carefully)
If you miss the due date:
- Late fee may apply (slab-based, per-bounce/period, as per agreement).
- Additional interest may accrue on overdue amounts for the overdue days.
- Credit score impact: your bureau record can be negatively affected; future limits/offers may be reduced.
- Collections: reminders & follow-ups intensify until dues are cleared.
Pro tips:
- Enable auto-debit and keep the account funded 48–72 hours before the due date.
- If a bounce happens, clear dues the same day to minimize charges and credit impact.
Monthly Interest vs. APR — What It Means
Apps often show monthly interest (e.g., 2.5% per month). The APR (annualized) is higher because it includes the fee and the compounding effect of the monthly interest on a reducing balance. Always compare total cost, not just the monthly rate.
How to Boost CIBIL Faster (Secured Card Strategy)
To accelerate your score growth alongside True Balance Loan Apply, take a secured credit card (against a small FD) or a starter card issued with Aadhaar + PAN. Use it for small monthly expenses (like phone bills) and pay in full before the due date. Within 3–6 months, you typically see bureau improvement—helpful for bigger Cash Loan limits and better pricing.
👉 Read More: Best credit card you can get with only Aadhaar & PAN (no income proof)
FAQs Quick Answers
Q1. Is True Balance an RBI-registered app?
True Balance facilitates loans via RBI-registered NBFC partners, delivering a compliant, transparent lending journey in-app.
Q2. Can I apply at night or on weekends?
Yes. True Balance Loan Apply is fully digital—apply 24×7.
Q3. What if my CIBIL is zero or low?
Try Level Up Loan (KYC-only). Repay on time to unlock higher limits.
Q4. When do I need a bank statement?
For a Cash Loan, you’ll upload a bank statement for assessment.
Q5. How do I grow my limit up to ₹5,00,000?
Build a clean repayment record; limits may increase over time, subject to lender policy.
Benefits of Using True Balance Loan Apply
- 24×7 application & instant decisions
- Two products for different profiles (Level Up & Cash)
- RBI-registered NBFC–backed lending for safer compliance
- KYC-only option for quicker entry (Level Up)
- Larger limits with Cash Loan + good repayment → up to ₹5,00,000 eligibility
Clear disclosure of charges; digital agreements; easy auto-debit
Final Thought
If you need a small ticket now and a larger ticket later, True Balance Loan Apply gives you a smart path: start with Level Up Loan (KYC-only), repay on time, and move into Cash Loan with increasing eligibility—potentially up to ₹5,00,000 with solid repayment history. The app’s 24×7 application flow, RBI-registered NBFC partners, and transparent pricing make it a practical choice for modern borrowers who value speed, clarity, and growth potential.
i need loan