iPhone Screenshots


Phocket is India’s most preferred AI based Instant Personal Loan, Instant Cash and Advance Salary Loan App for Salaried Professionals at the lowest interest rates with No hidden costs, 100% transparency and No collaterals. We are accessible both via Mobile App and Web (phocket.in) . The application process is super convenient, hassle-free and can be filled within 10 minutes. Documentation requirement is also minimal, Approvals are done instantly for completed applications and money is transferred directly to the bank account of the applicant.

-> Salaried Professionals above the age of 20 years.
-> Minimum take home salary of Rs. 20,000.

Documents Required
-> Address Proof (Aadhar, Passport, Driving License, Voter Id, etc)
-> PAN Card
-> Last 3 Months Bank Statement
-> Last 3 Months Salary Slip

Available Cities
-> Delhi and NCR
-> Bangalore (Bengaluru)
-> Mumbai
-> Gurgaon
-> Noida
-> Greater Noida
-> Faridabad
-> Ghaziabad
-> Kolkata
-> Jaipur

Key Highlights and Features
-> Amount ranges between INR 5,000 and INR 1,00,000
-> Lowest Interest Rates - 24% to 30% p.a.
-> Flexible Repayment Loan Tenure upto 110 days
-> Flexible Repayment EMI(s)
-> Instant Approval and Disbursement
-> No Collaterals, Fully Automated and Paperless
-> Easy Online Process, Fast and Reliable services
-> 100% Transparency and No Hidden Charges
-> Instant cash transfer in the provided bank account
-> No Prepayment Charges
-> Multiple Repayment Options - UPI, Direct Bank Transfer, Paytm, PhonePe

Data Security & Privacy
-> All the data is transmitted using secure HTTPS protocol
-> All the transactions are secured via SSL encryption
-> Implemented Multi-Level Authentication and Authorization to make the app Ultra Secure
-> Got our App audited from a top Security and Audit Company
-> Do not archive/store customer data for rejected applications

The app requires the following permissions to function properly :

Location -
Required to verify your location for credit profile enhancement

Storage -
Required for credit profile enhancement

Approval Process
-> Instant Personal Loan Approvals happen instantly
-> For first time users (new customers), an applicant needs to e-sign the loan agreement and give auto-debit authorization via net banking e-mandate. Once these formalities are completed, the disbursement happens the same day
-> Loan amount will be transferred directly to the provided bank account of the applicant

-> Moment of Fame at the Nasdaq Tower at New York's Time Square for successful disbursement of 2,500 loans.
-> Shortlisted to represent India as an exhibitor at the Singapore Fintech Festival 2018 - the World's largest event for the fintech community.
-> Covered by Yourstory (http://bit.ly/2W59z30)
-> Adjudged Startup of the Year at YMCA MOB Business Summit and GBM 2018

Contact Us
For any kind of help or support, feel free to send an email to info@phocket.in or call us at 8010700600

What’s New

Version 1.17

- Major bugs resolved.

Ratings and Reviews

2.7 out of 5
26 Ratings

26 Ratings

H4rp4l ,

The worst app experience on iOS

I don’t know how you guys got past the AppStore guidelines and had this application passed for release. Every time I attempt to log into the app the spinner keeps appearing and when it finally disappears I remain on the login page or a server error is shown. This app should be reviewed and this is a message to the Devs for having such a mediocre experience.

roh010 ,

Bad service

I don’t know why you guys made this app if you can’t track payment done by your customer. After paying in advance and closing loan that also shows on your app I keep getting call and mails from your side. Really it’s very bad service. Also first time when I applied you guys told that you need documents and all consent address verification so I don’t face any problem later for verification purpose but after paying all emi if you go for apply again they keep asking documents again.

srigud ,

Worst App i have ever seen

Im still not sure what is the purpose of your app... there is no response from anyone neither a call nor a mail from you... i have applied it on 2nd and have been trying to contact via mail/phone which went in vain... better to stop this rather than providing a worst service.. infact no service at all.

App Privacy

The developer, Phocket Infotech Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Contact Info
  • User Content

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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