Apply for a micro loan — blinkemi | Nishtha Leasing Pvt Ltd

Step 1 of 4

About you

Full name (as per PAN) *

Mobile number *

Email (optional)

PAN *

Date of birth *

You must be 21–60 years old to apply.

Step 2 of 4

Your loan

Loan amount

₹10,000

₹5,000 minimum · ₹50,000 maximum

Tenure

Loan amount (sanctioned)—

Processing fee (10%)—

GST on fee (18%)—

You receive in bank (net disbursal)—

Monthly instalment (EMI)—

Total interest—

Total you repay—

Interest is 1% per day (365% per annum) on reducing balance, billed monthly. The processing fee and GST are deducted from the disbursal — you repay on the full sanctioned amount. Exact figures appear on your Key Facts Statement before you sign.

Step 3 of 4

Where should the money go?

The loan is disbursed directly to your own bank account by Nishtha Leasing Pvt Ltd.

Bank account number *

IFSC *

Step 4 of 4

Know exactly what you're signing

Honest pricing — read this before you apply

Interest: 1% per day (365% per annum) on reducing balance. This is a high-cost, short-term micro loan.
Processing fee: 10% of the loan amount + 18% GST on the fee, deducted upfront from your disbursal.
Penal charge: 2% per day (730% per annum) on any overdue instalment — capped so cumulative penal charges never exceed the overdue amount.
Ticket size: ₹5,000 – ₹50,000 · Tenure: 1 – 12 months.
You receive a Key Facts Statement (KFS) with the exact APR, fee break-up and repayment schedule before any amount is disbursed. Nothing is disbursed until you acknowledge it.
Lender of record: Nishtha Leasing Pvt Ltd, RBI Certificate of Registration No. 14.01047 (dated 10-Aug-1998).

Next: a quick identity (KYC) verification. Keep your PAN / Aadhaar handy.

Apply in a blink.

About you

Your loan

Where should the money go?

Know exactly what you're signing

Honest pricing — read this before you apply