# 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

## 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

## 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

## 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

## 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