0% processing fee on your 1st Level Up Loan, with instant disbursal and flexible repayments
True Balance is now on iOS!
True Balance is an online personal loan app trusted by over 80 million Indians. It is a secure digital platform for personal loans, payments, and financial services with a simple mission: Finance for All. We are authorised by the RBI as a Prepaid Payment Instrument (PPI) issuer and also facilitate digital personal loans ranging from ₹1,000 to ₹2,00,000 (Disbursal Amount) for a tenure of a minimum of 6 months to a maximum of 24 months through RBI-registered NBFCs.
Additionally, we enable access to digital personal loans up to ₹5,00,000 through RBI-registered NBFCs in partnership with our fintech partners, with flexible tenures ranging from 12 to 48 months, subject to the lender’s policy.
With our initial iOS version, you can now apply for personal loans seamlessly. More features like Digital Wallet, Gift Wallet, and others are coming soon!
Personal Loans Made Easy
- Personal Loan Amount : Borrow up to ₹5,00,000 (Disbursal Amount) by the NBFCs in partnership with our Fintech Partners
- Tenure: Flexible repayment periods of 6 to 48 months (as per lender’s policy)
- Disbursal: Loan credited directly to your bank account by the RBI registered NBFCs
- Processing Fees: Affordable & transparent, with no hidden charges
- APR: ranges from 28.8% to 78% for loans disbursed by our NBFC partners and the NBFCs in partnership with our Fintech Partners
- EMI Due Date: 1st, 3rd, 5th, 10th, 15th, 20th of every month
Why Choose True Balance?
- 100% Digital – apply anytime, anywhere
- Safe & Secure – encrypted platform
- Transparent Terms – no hidden costs
- Low Processing Fees – affordable for borrowers
- 24x7 Access – financial support when you need it most
Example Loan Calculation
- Loan Type: Unsecured Personal Loan
- Amount: ₹10,000
- Tenure: 6 months
- Interest Rate: 2.4% per month
- Processing Fee (6%): ₹600 + GST (₹108) = ₹708
- Total Interest: ₹844
- EMI: ₹1,807
- Total Repayment: ₹11,550 (includes interest + processing fee + GST)
How to Apply
- Install the True Balance app
- Register with your mobile number
- Submit KYC documents
- Complete a few steps to check loan eligibility
- Receive the approved loan amount directly in your bank account.
Our Lending Partner Details
True Credits Private Limited
InCred Financial Services Limited
Grow Money Capital Pvt. Ltd.
Vivriti Capital Limited
Northern Arc Capital Limited
Oxyzo Financial Services Limited
Our Fintech Partner
Prefr (Dreamplug Technologies Private Limited)
Responsible Lending
- True Balance adheres to responsible lending practices. Our policies and services comply with all applicable laws and regulations. We are committed to providing transparent and ethical financial services to our users.
Additional Information
- Secure, encrypted systems to protect customer data: [Privacy Policy Link]
- Privacy Policy: [True Balance Privacy Policy]
- Terms & Conditions apply
Contact Us
Address: The Circle Work, 5th Floor, Huda City Centre Metro Station, Sector 29, Gurugram, Haryana 122001, India
Email: cs@balancehero.com
Highly RecommendedI had been trying to get a loan from different apps and lenders, but unfortunately, I wasn’t getting approved anywhere. Then I tried this app, and to my surprise, my loan was approved very smoothly. The entire process was simple, quick, and convenient.Really happy with the experience so far. If you’re looking for a simple and hassle-free loan application process, I would definitely recommend giving this app a try. 👍
Disappointed
BI C KY
I am very disappointed with the TrueBalance app. I took a Level Up Loan for the first time and repaid it in full before the due date. I also took a second loan and repaid that on time as well. However, when I applied for a third loan, my application was rejected without any clear reason.My CIBIL score is good, and I have maintained a perfect repayment history. If customers repay their loans responsibly and on time, what is the purpose of the Level Up system if they still cannot get another loan when they actually need it?Now the app shows both Level Up Loan and Cash Loan as Unavailable, even though I have never missed a payment. This is very disappointing and unfair to loyal customers. I hope TrueBalance provides a clear explanation and improves its loan approval process.
A better option compared to others!
कार्तिकेय
I’ve tried taking loans from multiple apps, and while none are perfect, this one definitely stands out. The process is smooth, and hassle-free. I would absolutely recommend it and will consider using it again if the need arises in the future.
Quick and convenient loan
Ashu.Chauhan
I need some amount for an emergency and had no time to wait for long approval. I tried many apps to get loans, truebalance was the quickest one to respond back and i got loan money in my account. There was no hassle and the app is also very easy to use.
- Now, apply for a new credit card right on the True Balance app. Discover curated options from leading banks, just for you!
- Avail your pre-approved loan directly from the home screen.
- Under-the-hood improvements for faster loads and stronger security.
Version 7.34.00
The developer, BALANCEHERO INDIA 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Location
Contact Info
Identifiers
Diagnostics
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Search History
Usage Data
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
BALANCEHERO INDIA PRIVATE LIMITED
Size
70.3 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
