Product Introduction
PocketRupee Mobile Apps
Explore our iOS and Android lending applications — compliant, fully digital, and built for fast access to credit.
PocketRupee – Instant Loans
Fast financial loan platform
No collateral required, fully online, simple process, compliant and fast loan disbursement! Quickly solve your funding problems.
About the App
PocketRupee has partnered with India's NBFC, with funding provided by NBFC. PocketRupee strictly adheres to Indian financial regulatory requirements, offering a fully online, paperless process and simplified approval procedures, lowering the entry barrier for borrowers and making it easy for beginners to apply.
We integrate multiple high-quality and compliant NBFC credit products, suitable for various groups in India, including salaried workers and freelancers, and can accurately match loan solutions to meet the individual needs of users based on their qualifications. The platform features an intelligent risk control and review system, enabling rapid approval and disbursement. Once approved, funds are directly transferred to the user's registered bank card without any intermediary steps.
This efficiently addresses various personal and family funding gaps, including medical emergencies, education payments, travel, wedding preparations, home renovations, daily shopping, and bill settlements. All products support diverse installment payment options, allowing users to choose repayment periods based on their income.
Our Advantages
- No collateral or paper documents required — complete the entire process from application to signing via your mobile phone
- Funds can arrive in minutes with a lightning-fast disbursement experience
- Flexible credit lines from INR 5,000 to INR 150,000 for travel, shopping, medical emergencies, and business turnover
- 24/7 service availability with instant response even for late-night or holiday applications
Loan Details
- Loan Amount: INR 3,000 – INR 120,000
- Loan Tenure: 91 days – 180 days
- Maximum APR: 24%
- Processing Fee: Based on the loan amount and tenure
- GST: 18% GST applicable on the processing fee as per Indian laws
This application is only available to users aged 18 and above.
Calculation Example
- Loan Amount: INR 10,000
- Loan Tenure: 120 days
- Annual Interest Rate: 18%
- Total Interest: INR 592
- Processing Fee (1%): INR 100
- GST on Processing Fee: INR 18
- Disbursed Amount: INR 9,882
- Total Repayment: INR 10,592
- Est. Monthly Payment: INR 2,648
- APR: 21.9%
The above example is for illustrative purposes only. Actual terms may vary based on eligibility and credit assessment.
Legal Compliance
- Company Name: PHRENOLOGICAL INFO AUDIT AND APP SOLUTION PRIVATE LIMITED
- Email: support@phrenological.com
- Official Website: https://phrenological.com/
- Partner NBFC Website: https://allenhf.in/
Contact Us
If you have any questions, please contact our professional customer service team.
- Email: support@phrenological.com
- Hours: Monday to Friday, 9:30 AM to 6:30 PM
- Address: Shop No.270, Sahara Shopping Centre, Lekhraj Market, Faizabad Road, LUCKNOW, Uttar Pradesh, India - 226016
PocketRupee – Fast Loan
Safe online personal loans with simple process and fast disbursal.
About the App
PocketRupee is an online instant personal loan platform dedicated to providing users with convenient, transparent, and secure credit services. Through a fully digital process, users can complete their loan application and obtain credit support in a short time. The application process is simple and efficient, with no paperwork required.
All steps, from application to loan agreement confirmation, can be completed directly on your mobile phone. PocketRupee offers flexible loan amounts ranging from INR 3,000 to INR 120,000, supporting a variety of financial needs such as travel, shopping, medical emergencies, and business cash flow requirements.
Convenient & Efficient
A fully digital application process that saves time and effort.
Safe & Secure
User data is protected with secure encryption and handled in accordance with applicable data protection standards.
User-Friendly
A simple and easy-to-use interface designed for a smooth borrowing experience.
User Guide
To ensure compliance and fund security, applicants must meet the following basic requirements:
- Must be an Indian resident aged 18 years or above
- Must have a valid mobile number and bank account
- Must provide valid KYC documents (such as PAN, Aadhaar, etc.)
- Must meet internal credit assessment criteria
Loan Products
- Loan Amount: INR 3,000 – INR 120,000
- Loan Tenure: 91 days – 180 days
- Maximum APR: 24%
- Processing Fee: Based on the loan amount and tenure
- GST: 18% GST applicable on the processing fee as per Indian laws
Calculation Example
- Loan Amount: INR 10,000
- Loan Tenure: 120 days
- Annual Interest Rate: 18%
- Total Interest: INR 592
- Processing Fee (1%): INR 100
- GST on Processing Fee: INR 18
- Disbursed Amount: INR 9,882
- Total Repayment: INR 10,592
- Est. Monthly Payment: INR 2,648
- APR: 21.9%
The above example is for illustrative purposes only. Actual terms may vary based on eligibility and credit assessment.
Lending Partners
PocketRupee is a digital lending platform operated by PHRENOLOGICAL INFO AUDIT AND APP SOLUTION PRIVATE LIMITED, acting as a Lending Service Provider (LSP). Loan products available on this platform are provided by the following regulated financial institution:
- Allen's Housing & Finance Limited — NBFC registered with the Reserve Bank of India (RBI)
- RBI Reg. No.: B.05.06399
- Official Website: https://allenhf.in/tel.html
How to Use
- Download and install the PocketRupee App.
- Register and create an account using your mobile number.
- Submit the required KYC information (identity proof, address proof, PAN card, etc.).
- After submission, the system will review your application and display the result in the app.
- Once approved and the loan agreement is confirmed, the loan amount will be disbursed directly to your bank account.
Contact Us
If you have any questions, please contact our professional customer support team.
- Email: support@phrenological.com
- Hours: Monday to Friday, 9:30 AM to 6:30 PM
- Address: Shop No.270, Sahara Shopping Centre, Lekhraj Market, Faizabad Road, LUCKNOW, Uttar Pradesh, India - 226016