Real-time credit decisions across 14+ NBFCs. Aadhaar OTP eKYC. Live bureau check. Instant EMI offer. No branch visit, no physical documents, no waiting.
Built for the speed of retail — not the pace of a bank branch.
Customer enters mobile number. Aadhaar-linked OTP sent in seconds. Identity verified instantly.
Real-time CIBIL and bureau check across 14+ lenders simultaneously. Best offer identified in under 60 seconds.
Customer selects EMI plan, completes Aadhaar eKYC. Loan approved and order confirmed. Product delivered.
Banks take days. DPanda FastEMI takes minutes.
Traditional consumer finance takes 1–3 days for approval, document verification and disbursement. FastEMI does it in 3 minutes.
Aadhaar eKYC replaces all physical ID documents. No photocopies, no notarisation, no courier.
Single application reaches 14+ lenders. Highest approval probability compared to applying to one lender at a time.
Every credit decision is live — no human underwriting lag, no overnight batch processing, no callback required.
The entire process — from QR scan to approved loan — typically takes 3–5 minutes. The eligibility check itself takes under 60 seconds. eKYC adds another 1–2 minutes.
Each lender has its own criteria. DPanda FastEMI checks across all lenders simultaneously — customers with lower scores may be approved by some lenders even if others decline.
Only Aadhaar (for OTP eKYC) and PAN (for bureau check). No physical documents required. No salary slips, no bank statements for standard consumer purchases.
Yes. Aadhaar OTP is used only for authentication and is never stored. All data is encrypted in transit and at rest. All lenders are RBI-regulated entities.
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