# True Balance

> India-based digital lending application (DLA) connecting salaried, self-employed, and gig-economy workers to personal loans through True Credits (RBI-licensed NBFC) and its lending partners.

True Balance is operated by True Balance India Private Limited. Loans are originated by True Credits Private Limited (RBI-licensed NBFC) and partner NBFCs through a fully digital, paperless application. Two core loan products are offered — Cash Loan (the primary personal loan, ₹5,000–₹2,00,000, 6–12 month tenure) and Level Up Loan (a smaller starter loan for credit-building, ₹1,000–₹30,000, 6–18 month tenure; on-time repayment unlocks larger amounts). The use-case landing pages and EMI calculators listed below are content pages built around the Cash Loan product to help users find loan options for specific scenarios.

## Loan Products

- [Cash Loan](https://www.truebalance.io/cash-loan): Core personal loan — ₹5,000 to ₹2,00,000 with 6–12 month tenure, monthly interest from 2.4%
- [Level Up Loan](https://www.truebalance.io/level-up-loan): Smaller starter loan for credit-building — ₹1,000 to ₹30,000 with 6–18 month tenure; on-time repayment unlocks larger amounts

## Credit Cards

- [Partner Credit Cards](https://www.truebalance.io/credit-card): Check credit card eligibility with no credit score impact, get matched with cards from partner banks, and apply online

## Loans (Use-Case Landing Pages)

> Use-case-specific landing pages for the Cash Loan product. Each page targets a particular scenario but represents the same underlying Cash Loan, not a separate product.

- [Personal Loan](https://www.truebalance.io/personal-loan): Cash Loan positioned for salaried and gig workers
- [Quick Loan](https://www.truebalance.io/quick-loan): Cash Loan for fast-track approval with minimal documentation
- [Home Renovation Loan](https://www.truebalance.io/home-renovation-loan): Cash Loan for home improvement projects
- [Travel Loan](https://www.truebalance.io/travel-loan): Cash Loan for vacation and travel expenses
- [Emergency Loan](https://www.truebalance.io/emergency-loan): Cash Loan for medical and urgent expenses

## Credit Tools

> In-app credit tools built on the user's CIBIL report. Opening them is a soft check; as per TransUnion CIBIL, soft enquiries are not used to calculate the score. They are information tools, not a credit facility or a loan approval.

- [CIBIL Score](https://www.truebalance.io/check-cibil-score): See your CIBIL score (300–900) from your report inside the True Balance app; soft check, no score impact as per TransUnion CIBIL
- [Credit Insights](https://www.truebalance.io/credit-insights): Indicative loan ranges by lender type (not offers from any lender), plus an estimated approval chance for a chosen amount
- [AI Credit Chat](https://www.truebalance.io/ai-credit-chat): Ask questions about your own CIBIL report, such as why a loan was rejected or how much you may be eligible for
- [Credit Score Check (Web)](https://www.truebalance.io/credit-score-check): Check your CIBIL score and get personalised credit insights on the web with your phone number and PAN; no impact on your score

## EMI Calculators

> EMI calculators built around the Cash Loan product to help users plan monthly repayment for specific use cases and loan amounts.

- [Personal Loan EMI Calculator](https://www.truebalance.io/emi-calculator): Calculate monthly EMI for any loan amount and tenure
- [Emergency Loan EMI Calculator](https://www.truebalance.io/emergency-emi-calculator): Plan EMI for unexpected emergency expenses
- [Medical Expense EMI Calculator](https://www.truebalance.io/medical-emi-calculator): Estimate EMI for medical bills and hospitalization
- [Wedding Loan EMI Calculator](https://www.truebalance.io/wedding-emi-calculator): Plan wedding loan EMIs
- [Home Renovation EMI Calculator](https://www.truebalance.io/home-renovation-emi-calculator): Calculate EMI for home improvement loans
- [Education Loan EMI Calculator](https://www.truebalance.io/education-emi-calculator): EMI estimates for tuition and study expenses
- [Travel Loan EMI Calculator](https://www.truebalance.io/travel-emi-calculator): Plan EMIs for travel and vacation loans
- [Business Expansion EMI Calculator](https://www.truebalance.io/business-emi-calculator): Calculate EMI for small-business funding
- [Startup Loan EMI Calculator](https://www.truebalance.io/startup-emi-calculator): EMI planning for early-stage startup loans
- [Self Employed EMI Calculator](https://www.truebalance.io/self-employed-emi-calculator): EMI calculation for self-employed individuals
- [Bike Loan EMI Calculator](https://www.truebalance.io/bike-emi-calculator): Calculate EMI for two-wheeler purchase loans
- [Bicycle EMI Calculator](https://www.truebalance.io/bicycle-emi-calculator): EMI estimator for bicycle purchase loans
- [Electric Scooter EMI Calculator](https://www.truebalance.io/electric-scooter-emi-calculator): EMI for electric scooter purchase
- [Car Upgrade EMI Calculator](https://www.truebalance.io/car-upgrade-emi-calculator): EMI for upgrading or buying a car
- [Home Appliance EMI Calculator](https://www.truebalance.io/home-appliance-emi-calculator): EMI for fridges, washing machines, and ACs
- [Gadget Upgrade EMI Calculator](https://www.truebalance.io/gadget-upgrade-emi-calculator): EMI for laptops, smartwatches, and gadgets
- [Mobile Phone EMI Calculator](https://www.truebalance.io/mobile-phone-emi-calculator): EMI for new smartphone purchase
- [Vacation EMI Calculator](https://www.truebalance.io/vacation-emi-calculator): EMI for holiday and vacation expenses
- [Festival EMI Calculator](https://www.truebalance.io/festival-emi-calculator): EMI for Diwali, Eid, and festival shopping
- [Debt Consolidation EMI Calculator](https://www.truebalance.io/debt-consolidation-emi-calculator): EMI for combining existing debts
- [Salary Advance EMI Calculator](https://www.truebalance.io/salary-advance-emi-calculator): EMI for short-term salary advance loans
- [Quick Cash EMI Calculator](https://www.truebalance.io/quick-cash-emi-calculator): EMI for instant cash needs
- [Relocation EMI Calculator](https://www.truebalance.io/relocation-emi-calculator): EMI for moving and relocation costs
- [Rental Deposit EMI Calculator](https://www.truebalance.io/rental-deposit-emi-calculator): EMI for rental security deposits
- [Credit Card Balance EMI Calculator](https://www.truebalance.io/credit-card-balance-emi-calculator): EMI for credit card balance transfer
- [Insurance Premium EMI Calculator](https://www.truebalance.io/insurance-premium-emi-calculator): EMI for insurance premium financing
- [Agriculture EMI Calculator](https://www.truebalance.io/agriculture-emi-calculator): EMI for farming and agricultural loans
- [Flexible Tenure EMI Calculator](https://www.truebalance.io/flexible-tenure-emi-calculator): EMI calculator with adjustable tenure options

## Guides

- [Best Instant Personal Loan Apps in India](https://www.truebalance.io/articles/best-instant-personal-loan-apps-india): Comparison of instant personal loan apps in India — loan amounts, interest rates, and tenures
- [How to Spot a Fake Loan App in India](https://www.truebalance.io/articles/how-to-spot-a-fake-loan-app): Five checks before installing a loan app — looking up the lender on RBI's list, app permissions, and other red flags
- [How a ₹5,000 Instant Loan Works](https://www.truebalance.io/articles/how-a-5000-rupee-instant-loan-works): What a ₹5,000 instant loan costs, who qualifies, how the application works, and what happens if you miss an EMI
- [How to Improve Your CIBIL Score from 600 to 750](https://www.truebalance.io/articles/how-to-improve-cibil-score): Step-by-step plan to raise a CIBIL score — what pulls it down, 30-day, 90-day and 6-month actions, and fixing report errors

## FAQ

- [FAQ](https://www.truebalance.io/faq): Answers to common questions about True Balance loans — repayment, auto-pay, late payment, eligibility, and loan app safety
- [Auto-Pay & NACH Mandate FAQ](https://www.truebalance.io/faq/auto-pay): Setting up, changing, or cancelling a NACH auto-debit mandate for loan EMIs
- [Loan Eligibility & Documents FAQ](https://www.truebalance.io/faq/eligibility): Who can apply for a digital personal loan — income requirements, self-employed eligibility, documents, and soft vs hard credit checks
- [Missed EMI & Late Payment FAQ](https://www.truebalance.io/faq/late-payment): Late fees, credit score impact, RBI SMA/NPA classification, and fair recovery practices
- [Loan Repayment FAQ](https://www.truebalance.io/faq/repayment): Payment methods, repayment schedule, part-prepayment, failed payments, and what happens after the last EMI
- [Loan App Safety & RBI Verification FAQ](https://www.truebalance.io/faq/safety): How to verify a loan app is legitimate — RBI-registered NBFC partners, red flags of fake apps, and the RBI Sachet portal

## Help Center

- [Help Center](https://www.truebalance.io/help): Help articles from the True Balance support team — account, loans, Super Saver EMI, auto-pay, wallet, recharges, and credit score
- [Account Help](https://www.truebalance.io/help/account): OTP not received, forgot password, blocked account, login errors, and notification settings
- [Cooling-Off Period Help](https://www.truebalance.io/help/cooling-off-period): How the cooling-off (look-up) period works — cancelling a loan within the window, charges, and returning the principal
- [CIBIL Score & Credit Bureau Help](https://www.truebalance.io/help/credit-score): How loans are reported to credit bureaus, how repayments affect your CIBIL score, and resolving report issues
- [e-Mandate Help](https://www.truebalance.io/help/emandate): Cancelling or modifying an e-NACH mandate, bounce charges, debit dates, and deregistering after loan closure
- [Gift Card Help](https://www.truebalance.io/help/gift-card): Buying and redeeming True Balance gift cards, transferring balance, purchase limits, and validity
- [Gold Loan Help](https://www.truebalance.io/help/gold-loan): Gold loans offered via Muthoot Fincorp — application, eligibility, and repayment
- [iOS App Help](https://www.truebalance.io/help/ios): iOS app availability, loan features, bank statement upload, auto-debit options, and repaying from iPhone
- [Loan Help](https://www.truebalance.io/help/loans): Application and rejection reasons, disbursement status, lending partners, and NOC or sanction letter download
- [Super Saver EMI Help](https://www.truebalance.io/help/prepay-emi): Prepaying EMIs in advance, foreclosure, tenure changes, and advance payment limits
- [Recharge & Bill Payment Help](https://www.truebalance.io/help/recharge-bill-payments): Failed recharge refunds and help with electricity, gas, and DTH bill payments
- [Wallet Help](https://www.truebalance.io/help/wallet): Wallet KYC issues, forgotten MPIN, money transfer to bank, wallet limits, and closing your account

## Company

- [Main Page](https://www.truebalance.io/): True Balance home page
- [Products](https://www.truebalance.io/products): Full catalog of loan products
- [Learn](https://www.truebalance.io/learn): Financial literacy guides and loan education
- [Who We Are](https://www.truebalance.io/who-are-we): About True Balance, mission, and team
- [Careers](https://www.truebalance.io/careers): Job openings and company culture
- [Partners](https://www.truebalance.io/partner): Partnership and collaboration opportunities

## Newsroom

- [Press Releases](https://www.truebalance.io/news/press-releases): Press releases, announcements, and company updates from True Balance
- [Media Corner](https://www.truebalance.io/news/media-corner): Media coverage, interviews, and features about True Balance

## Compliance & Customer Service

- [Contact](https://www.truebalance.io/contact): Customer support — cs@balancehero.com
- [Customer Grievances](https://www.truebalance.io/customer-grievances): File and track customer complaints
- [Fraud Alerts](https://www.truebalance.io/fraud-alerts): Warnings about loan fraud and how to stay safe
- [Schedule of Charges](https://www.truebalance.io/schedule-charges): Fees and charges associated with loans
- [Corporate Governance](https://www.truebalance.io/corporate-governance): Corporate governance disclosures and policies
- [Resignation of Directors](https://www.truebalance.io/resignation-of-directors): Director resignation disclosures (regulatory)

## Terms and Conditions

- [Terms Service](https://www.truebalance.io/terms-and-conditions/service): Master terms and conditions
- [Terms Privacy Policy](https://www.truebalance.io/terms-and-conditions/privacy-policy): How user data is collected and processed
- [Customer Grievance Redressal Policy](https://www.truebalance.io/terms-and-conditions/grievance-policy): Customer grievance redressal procedure
- [Data Deletion](https://www.truebalance.io/terms-and-conditions/data-deletion): How to request account and data deletion
- [Sitemap](https://www.truebalance.io/sitemap): Full site index page