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Rates start from 11% a year. We consider credit scores from 600, ask for just two documents, and pay the money straight into your bank account. No upfront fees, ever.
No sign-up. Nothing you enter leaves this page.
A rough guide only, not an offer or a credit decision. Final eligibility, rate and APR depend on a full assessment and are shown in your Key Fact Statement.
Whether it’s one big expense or several small loans you want to get rid of, there’s a simple, transparent option.
Up to ₹25 lakh for 3–36 months, rates from 11% a year. Two documents, fully digital.
See details →Replace several short-term app loans with one Omozing loan and one predictable EMI.
See how much you could save →A credit officer reads your full report instead of rejecting you on a number. Co-applicants welcome.
Check how we assess →Not ready to borrow yet? Our team reviews your report and shows what will move it.
Explore the programme →Weddings, medical bills, home repairs, travel, festivals and more, on the same simple terms.
Browse loan types →EMI and loan-app cost calculators, a budget game, and a test to spot scams.
Try the tools →Fill a short form on our website or app. It takes a few minutes.
Your last 6 months’ salary-account bank statement and latest salary slip, plus PAN and Aadhaar for KYC.
A real person reads your full credit report. You get a Key Fact Statement showing the rate, every fee and the APR.
Sign digitally and the loan is paid straight into your own bank account, often within 24 business hours of approval.
Example rates only. Omozing’s rates start from 11% a year; your rate depends on your credit assessment.
Fees and daily interest on short-term app loans can eat a large part of your salary without reducing what you owe. SmartSwitch replaces them with one Omozing loan, paid into your own account, and one EMI that actually ends.
Omozing is the digital lending brand of Aparampaar Finance Private Limited. Regulatory details.
Your Key Fact Statement shows the rate, all fees and the APR before you sign. No hidden charges.
We never ask for money before your loan is approved, and never ask for your OTP or PIN.
No harassment, no contacting your contacts. A named grievance officer if anything goes wrong. How to raise a concern.
84 short, plain-English guides written and reviewed by our credit team.
Salaried applicants can borrow up to ₹25 lakh for 3 to 36 months. The amount depends on your income, existing EMIs and credit report.
We consider applicants with a credit score of 600 or more. A credit officer reads your full report rather than deciding on the number alone, and a co-applicant can strengthen your application.
Rates start from 11% a year. Your rate depends on your credit assessment. The exact rate, every fee and the APR are shown in your Key Fact Statement before you sign.
A one-time processing fee of 3% to 7% plus GST, shown in your Key Fact Statement. We never ask for any fee before your loan is approved.
Your last 6 months’ salary-account bank statement and your latest salary slip, plus PAN and Aadhaar for digital KYC.
Once your loan is approved and the agreement is signed, the money is paid straight into your own bank account, often within 24 business hours.
Yes. Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. We follow the RBI’s digital lending rules, including a Key Fact Statement before you sign and fair recovery practices.
Yes. SmartSwitch replaces several short-term app loans with one Omozing loan and one EMI, so you can stop paying rollover fees and have a clear end date.
Track your application, see your EMI schedule and get help, all in one place. Or talk to us on WhatsApp.
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment and eligibility. Illustrations and calculator results are indicative, not an offer. Write to us at info@omozing.com.