We size the loan to your repayment, not your wish
Being handed more than you can service is how a debt trap starts. We would rather sanction less and have you finish the loan.
Personal loans · All India
A loan should not become a burden.
We lend what you can comfortably repay — between ₹5,000 and ₹1,00,000, on EMIs spread across up to 84 months. No upfront fee, ever.
- No fee before disbursal
- Repay early after the 1st EMI
- Sanctioned on what you can repay
₹5,000Smallest loan
₹1,00,000Largest loan
12.5%APR from
84Months, up to
How it works
Four steps. You are never asked for money at any of them.
Tell us the basics
Your name, mobile, city and how much you need. It takes under a minute.
We check eligibility
We look at your credit profile and decide an amount you can repay without strain.
You see the full cost
Rate, processing fee, EMI and total repayment — in writing, before you agree to anything.
Money in your account
Once you accept and your documents check out, the amount is credited to your bank account.
What will it cost me?
Move the sliders. The figures update as you go — this is an estimate, not an offer.
Interest is calculated on a reducing balance. A processing fee of 2% plus 18% GST is deducted from the amount disbursed.
Monthly EMI₹2,644
- Total interest
- ₹13,445
- Total you repay
- ₹63,445
- Processing fee + GST
- ₹1,180
- Credited to your account
- ₹48,820
A worked example
The same loan, written out in full, so there is nothing to discover later.
You borrow ₹50,000 for 24 months at an APR of 24%.
- Monthly EMI
- ₹2,644
- Number of EMIs
- 24
- Total interest
- ₹13,445
- Total repayment
- ₹63,445
- Processing fee (2%)
- ₹1,000
- GST on the fee (18%)
- ₹180
- Credited to your account
- ₹48,820
- APR including the fee
- 26.54%
Illustration only. Your rate is set by your credit profile and may sit anywhere between 12.5% and 31%.
Why borrow from us
The full cost is on the table first
Rate, fee, EMI, total repayment — all of it in writing before you commit. Nothing appears afterwards.
Recovery with dignity
We follow the RBI's fair practices code. No calls to your family, your employer or your neighbours.
Leave early without penalty
Part-pay or close the loan in full any time after the first EMI is processed.
Start your enquiry
Fill this in and a loan officer will call you. It is an enquiry, not an application — nothing is committed and your credit score is not touched.
- We never ask for a fee before disbursal
- Your details are used only to assess this enquiry
- You can ask us to delete them at any time
Prefer to talk? Call +91 92893 55512.
Questions people actually ask
How much can I borrow?
Between ₹5,000 and ₹1,00,000. What you are offered inside that range depends on your credit profile and your ability to repay — not on what you ask for.
What will the interest be?
An Annual Percentage Rate between 12.5% and 31%, which is roughly 2% to 3% a month. On top of that there is a processing fee from 2% plus GST, deducted from the amount credited to you. Your exact rate is shown to you in writing before you accept.
Do I have to pay anything before I get the loan?
No. Never. We do not charge any upfront fee, registration fee, file charge or deposit. Anyone asking you for money before disbursal is not from us — see the warning at the bottom of this page.
How long do I get to repay?
From 12 months up to 84 months. You can also part-pay or close the loan in full any time after the first EMI is processed, without a penalty.
What decides whether I am eligible?
Mainly your credit history and your income against your existing obligations. There is no fixed cut-off, and RBI guidelines are followed on the documents we may ask for. Loans are granted at the sole discretion of the company.
How do I repay?
By auto-debit from your bank account, or by setting up a transfer yourself through net banking, a banking app or phone banking.
What happens if I miss an EMI?
You will be contacted and given a chance to regularise it. Late payment charges apply as set out in your loan agreement, and a default is reported to the credit bureaus, which will affect your score. Talk to us early — it is almost always fixable.
Who is actually lending the money?
Goodskill Securities & Services Limited, a Non-Banking Financial Company registered with the Reserve Bank of India under CoR No. B-14.01552. Everyday Loan India is its lending platform. The registration does not permit acceptance of public deposits.
Beware of people impersonating us
We are an RBI-registered lender and we do not charge any fee before disbursing a loan. People posing as our staff have demanded advance payments against promised loans. That is fraud and they are not connected to us in any way.
If anyone asks you for money upfront in our name, do not pay. Report it to us at grievance@gssasl.com or +91 84482 88113.