About this app

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KALGHATGI LEKKA – PERSONAL LOAN APP
Fast • Transparent • RBI‑approved NBFC Partner
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RBI-Registered NBFC Partner

Your trusted gateway to fast, transparent and flexible personal loans. Financial freedom, simplified.

✔ No upfront fees ✔ 30-min approval* ✔ Minimal paperwork

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▶ LOAN PRODUCTS
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• Loan Amount: ₹5,000 – ₹80,000
• Flexible Tenure: 3 to 12 months
• Daily Interest Rate: 0.05% per day (APR from 0% to 18.25%)
• APR Range: 0% – 18.25% (based on risk profile & credit history)

Personal Loan Calculation Example (illustrative)
Loan amount: ₹50,000 | Tenure: 4 months (120 days) | Daily interest: 0.05%
Total Interest = 120 days × 0.05% × ₹50,000 = ₹3,000
Total Repayment = Principal ₹50,000 + Interest ₹3,000 = ₹53,000

*Example only. Actual interest depends on loan amount, tenure and eligibility. No hidden charges.

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▶ WHY KALGHATGI LEKKA?
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• 24/7 accessibility – apply anytime, anywhere
• Loan approval within 30 minutes*
• Paperless journey: Aadhaar, PAN & selfie only
• Pan-India service – available in all states
• Zero hidden fees – no membership or upfront charges

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▶ ELIGIBILITY CRITERIA
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• Indian Citizenship
• Age 18 years or above
• Favorable Credit History
• Valid Aadhaar Card
• Valid PAN Card

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▶ HOW TO USE KALGHATGI LEKKA APP
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1. Download the App from Play Store / Website
2. Complete sign-up & verify your identity (Aadhaar + PAN + selfie)
3. Select loan type and enter your details accurately
4. Submit application – get instant in-principle decision
5. Review & accept the customised loan offer
6. Funds credited directly to your bank account
7. Repay easily via multiple digital channels

▶ Smart borrowing tip: Plan repayments on time to build a positive credit profile. Use our in-app EMI calculator to estimate your monthly outflow.

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▶ TRANSPARENCY & DATA PROTECTION
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• All costs disclosed upfront – no surprise fees, no hidden clauses.
• Zero prepayment penalty – close your loan earlier and save on interest (subject to terms).
• Industry‑standard encryption – KYC documents used only for loan processing; never shared without consent.

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NBFC PARTNER (RBI AUTHORISED)
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Kalghatgi Finance & Investmants Private Limited
CIN: U68893KL1980PTC0912742
Registered with Reserve Bank of India as NBFC

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DISCLAIMER
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Loans are provided by Airali Finance & Investments Private Limited (RBI registered NBFC). Kalghatgi Lekka is a digital platform that facilitates loan applications. Approval and loan terms are subject to credit assessment and documentation.

*30-minute approval is an indicative timeline for complete and accurate applications during business hours; individual cases may vary.

Late payment may affect your credit score and attract additional charges as per policy. Borrow responsibly – assess your repayment capacity before availing a loan.

© 2025 Kalghatgi Lekka – All rights reserved. Made in India for Indian borrowers.