Salaried professionals only
One product for one group of borrowers. That keeps the checks short and the answer close at hand.
Personal loans for salaried professionals
Personal Loans,
Approved in Minutes
Apply from your phone, see the full cost before you accept, and have the money sent to the bank account you already use.
100% Digital Process•Disbursal in Minutes•No Prepayment Charges
Loan Amount
₹5K – ₹5L
Tailored to your salary
Flexible Tenure
Up to 365 Days
Comfortable repayment
Paperless Journey
100% Digital
PAN & Aadhaar KYC
Lending Partner
RBI NBFC
ACG Leasing Limited
WHY LOAN ON TIP
Built Around One Kind of Borrower
Nothing to print or sign
PAN and Aadhaar verification, bank checks and the loan agreement all happen on your phone.
Instant Decision Engine
A decision while you wait
Your application is reviewed and priced in one sitting. You see the amount, the tenure and the cost before you accept anything.
Review Time
Few Minutes
Transparent APR
15% – 35%
The cost is stated before you accept
Interest, a processing fee of up to 10% and 18% GST on that fee are all shown up front. Nothing is added later.
Support through repayment
A dedicated team answers questions on EMIs, statements and closing your loan early — not just while you are applying.
Trusted by 50,000+ salaried borrowers across India
KV
Karan VermaIT Professional
“Getting funds for a sudden medical expense used to be stressful, but Loan On Tip made it completely hassle-free. The salaried-only focus really shows in how smooth and fast the verification process is.”
Verified Borrower
AS
Ayush ShuklaSenior Accountant
“Impressed with the transparency. No hidden charges, clear repayment terms, and the loan amount was credited directly to my account within hours. Highly reliable for salaried folks.”
Verified Borrower
PS
Prem SharmaOperations Manager
“The digital-first journey is seamless. Being a salaried employee, I loved how little documentation was required compared to traditional banks. Excellent fintech service!”
Verified Borrower
MK
Mohit KhannaMarketing Lead
“Loan On Tip saved the day when I needed quick liquidity for an unexpected travel expense. Fast approval and great customer support make it a go-to financial app.”
Verified Borrower
RD
Rahul Kumar DixitSoftware Engineer
“Clean UI, straightforward application steps, and instant disbursal. It’s great to finally use a lending platform designed keeping salaried professionals in mind.”
Verified Borrower
CALCULATOR
Smart Loan Calculator
Profile & Net Salary
✓ Net Salary From ₹35,000
Loan Amount
Number of Days
Interest Rate
You pay
₹5,175Sanction
₹5,000Disbursed
₹4,500Interest
₹175Fee
₹500Days
7Rate
0.5%PrincipalTenureInterest
CALCULATOR
Smart Loan Calculator
Loan Amount: ₹5,000
Number of Days7
Interest Rate0.5%
You pay only
₹5,175PrincipalTenureInterest
Rates & Charges
- Loan Amount: ₹5,000 to ₹5,00,000
- Tenure: Upto 365 days
- APR (Annual Percentage Rate): 15% – 35%
- Processing Fee: Upto 10%
- GST on Processing Fee (Exclusive): 18%
- No Pre-closure Charges
- No Prepayment Charges
ELIGIBILITY
Check If You’re Eligible to Apply
Four things decide whether you can apply. Every one of them is checked online, before you commit to anything.
100% Digital KYC
Paperless & instant verification
PAN Card Validation
Permanent Account Number check
Identity VerificationABCDE••••F
Aadhaar e-KYC Verification
UIDAI authenticated digital record
Address & DOB Verification•••• •••• 1234
Salary Account Assessment
Net monthly salary ₹35,000+
Direct Disbursal DestinationActive Bank Account
No physical paperwork required. All documentation is securely verified online via certified verification gateways.
Loan Amount
₹5,000 to ₹5,00,000
Approved based on your monthly salary
Monthly Income
Minimum ₹35,000
Net salary received in your bank account
Age Requirement
21 to 58 Years
At the time of loan application submission
Employment Type
Salaried
Professionals Only
Professionals Only
Full-time employees with recurring direct salary deposits
PAN & Aadhaar requiredAll details kept secure & confidential with 256-bit encryption
SERVICE
How it Works
01Quick 1-Minute Form
Enter your details
Employment and bank details, plus PAN and Aadhaar. It takes about a minute.
02Transparent Terms
Get your decision
We verify what you entered, then come back with an amount, a tenure and the full cost.
03Instant Bank Credit
Receive money in your bank
Accept the terms and the sanctioned amount is credited to the account you registered.
FLEXIBLE BORROWINGBuilt to Handle Every
Built to Handle Every
Financial Situation
Whether it’s something urgent or something you’ve planned ahead, get the financial support you need without delays.
Immediate Relief
Emergency Needs
Meet a hospital bill or an urgent repair without waiting for your next pay cycle.
Disbursed directly to your salary account
Planned Goals
Lifestyle & Travel
Book the trip, cover the wedding, or spread a large purchase over a tenure you choose.
Disbursed directly to your salary account
Everyday Cashflow
Bills & Essentials
Cover rent, school fees and a bill that landed earlier than your salary did.
Disbursed directly to your salary account
Apply in Minutes
Fast application workflow designed specifically for mobile users.
Short formGuided stepsSubmit in one tapMinimal detailsNothing to print
Real-Time Updates
Complete visibility into every stage of verification and sanctioning.
Live statusApproval alertsStage-by-stage viewPush notificationsIn-app replies
Manage Your Loan
Full control over repayments, payment schedules, and statements.
EMI schedulePayment optionsOutstanding balanceDue remindersAccount overview
OUR MODEL
What Sits Behind Every Loan
LENDER OF RECORDRBI Regulated
ACG Leasing Limited
RBI-Registered NBFC
Your loan is sanctioned by an RBI-registered NBFC
Every loan applied for here is sanctioned and disbursed by ACG Leasing Limited, a Non-Banking Financial Company registered with the Reserve Bank of India. Loan On Tip is the platform you apply through, not the lender.
Key Assurance: Direct NBFC disbursal into your bank account
Every loan applied for here is sanctioned and disbursed by ACG Leasing Limited, a Non-Banking Financial Company registered with the Reserve Bank of India. Loan On Tip is the platform you apply through, not the lender.
RRYO Private Limited owns the Loan On Tip brand, takes your application and passes it to ACG Leasing Limited under a written agreement between the two companies. RRYO does not lend money and does not decide your loan.
Quantilix Solutions Private Limited is our technology partner. It builds and maintains the mobile app, this website and the verification systems behind them. Your data is handled under the privacy policy published on this site.
Eligibility is narrow on purpose: salaried professionals aged 21 to 58 with a net monthly salary from ₹35,000. Verification runs on PAN, Aadhaar, your bank account and a credit assessment, all completed online.
Pricing is published before you apply: a processing fee of up to 10% plus 18% GST, an APR between 15% and 35%, and nothing extra to pay if you close or prepay your loan early.
Three companies, one application.
Who does what is written down,
and so is what your loan costs.
₹5,000 – ₹5,00,000Tenure up to 365 daysAPR 15% – 35%Processing fee up to 10%No pre-closure chargesPAN + Aadhaar KYCSalaried professionals only
FREQUENTLY ASKED QUESTIONS
Everything You Need to Know
We lend to salaried professionals and nobody else, so the checks are shorter. The cost is published before you apply: loan size, tenure, APR range, processing fee and GST are all stated on this site.
Salaried professionals aged 21 to 58 with a net monthly salary from ₹35,000, holding a PAN and an Aadhaar linked to a bank account in their own name.
ACG Leasing Limited, a Non-Banking Financial Company registered with the Reserve Bank of India. Loan On Tip, operated by RRYO Private Limited, is the platform you apply through. It is not the lender.
Between ₹5,000 and ₹5,00,000, repayable over a tenure of up to 365 days. The amount you are offered depends on your salary, your bank record and your credit assessment.
An APR between 15% and 35%, plus a processing fee of up to 10% with 18% GST charged on that fee. There is nothing to pay for closing or prepaying your loan early.
Write to support@loanontip.com, or use the grievance redressal page on this site. It lists the nodal officer, the response timelines and how to escalate to the lender and to the RBI Ombudsman.
Fast Digital Processing
Ready to Apply for Your Personal Loan?
Check your eligibility in seconds and get funds disbursed to your salary account without endless paperwork or branch visits.
100% PaperlessDisbursal in MinutesRBI NBFC Partner (ACG Leasing Ltd)