Borrower affordability checklist before you accept a loan

Stress-test EMI against rent, bills, and emergencies before tapping Approve on a handshake.

Use the EMI and total return on the card as your baseline — then add headroom for rate changes and life events.

Disclose income and expenses honestly during KYC; investors price risk with the data you provide.

If EMIs strain your budget, negotiate a longer duration or smaller amount in chat before approving.