What type of loan does SARVAM offer?
SARVAM offers micro-loans designed for short-term financial needs.

How much loan can I get?
You can get a loan of up to ₹50,000, based on your eligibility.The amount shown to you is the maximum you can currently avail.

Can I apply for a higher amount than what is shown?
No. You can only take the eligible amount shown. After successful repayment, your loan limit may increase.

What is the loan tenure?
The loan tenure is up to 25 weeks.

What is the interest rate?
The interest rate ranges between 0.40% to 0.50% per week, depending on your profile.

Is there any processing fee?
Yes. The processing fee is ₹300 or 3% of the loan amount (whichever is higher), plus applicable GST.

Can I take a second loan if my first loan is still active?
No. You must fully repay your existing loan before applying for another one.

Can I apply if only my last EMI is pending?
No. You will be eligible only after complete repayment of all EMIs.

Why am I not eligible for a loan?
You may not be eligible if:
i. Your monthly income is below ₹8,000
ii. Your previous loan repayment history is not good
iii. You have less than 3 months of work experience10. How can I become eligible for a loan?

To improve eligibility:
i. Repay your loan on time
ii. Maintain a stable income
iii. Have at least 3 months of work experience

Will my loan limit increase in the future?
Yes.If you repay your loan on time, your loan limit may increase.