ATD Money is India's No. 1 personal loan app, providing Salary & Payday loans of up to ₹50,000 for salaried individuals across PAN India.
ATD Money is a leading digital lending platform, owned and operated by ATD FINANCIAL SERVICES PVT LTD, a Non-Banking Financial Company (NBFC) established in 1996 and registered with the Reserve Bank of India (RBI) under License No. B-12-00315 (verification available on the Sachet RBI Portal ). With a strong foundation and decades of experience, we are committed to delivering hassle-free, transparent, and responsible lending services. Our goal is to empower individuals to overcome financial challenges and regain control of their financial well-being. At ATD Money, we believe in providing financial freedom in a smooth, efficient, and user-friendly manner.
Company Info
- App Name: ATD Money
- Owner (NBFC): ATD FINANCIAL SERVICES PVT LTD
- Lender: ATD FINANCIAL SERVICES PVT LTD
- RBI License: B-12-00315 (Verify)
- Established: 1996
Key Features
- Instant Approval & Disbursement within minutes
- Loan Amount: ₹3,000 to ₹50,000
- Flexible Tenure up to 365 days
- No Hidden charges - Zero prepayment penalty
- Max APR: 45.85%
Eligibility Criteria
- Indian Citizen
- Salaried Employee with minimum ₹25,000/month
- Age: 18+ years
- Valid PAN & Aadhaar
Why ATD Money?
- 30,000+ mini loans disbursed
- Low interest rates, No paperwork
- Only E-Mandate required, No PDC/NACH
- App tailored for salaried professionals
- Fully Digital Process
Loan Details & Charges
- Loan Amount: ₹3,000 – ₹50,000
- Rate of Interest (ROI): 0.067% per day
- Processing Fee: 3.5% – 7.5% + GST (18%)
- Documentation Fee: 3.5% – 7.5% + GST (18%)
- Above charges (Except ROI) varies depending upon, risk profile of the customer, past relation of the customer, Prompt repayment of earlier loans etc.
Loan Example Calculation
For a 5,000 loan with 91-day tenure, the cost breakdown is as following:
- Interest Payable: 304.85
- Processing + Documentation Fees (3.5% + 3.5%): 413.00 (Incl. GST @18% Rs. 63.00)
- Disbursed Amount: 4,587.00 (after deductions)
- Total Repayable Amount: 5,305.00
- Our Presence across India
Prepayment Charges- Rs.0/- When customers delay their scheduled repayment, a penalty is charged. We made our customers aware regarding fees & charges through agreement which we shared on their registered email ids.
Benefits & Risks
- Get access to higher amounts & tenures as you repay on time.
- Credit Score Improvement – Your payment behavior is shared with credit rating agencies. Timely repayments enhance your CIBIL score.
Required Documents
- Recent Photograph
- PAN Card
- Aadhaar Card
- Address Proof
- Last 6 Months' Bank Statement
- Latest 3 Month Salary Slip
How to Apply
- Download & Install ATD Money App
- Create Profile & Upload Documents
- Submit Loan Application
- Get Approval in 3 minutes
- E-sign Agreement
- Amount credited to bank in 10 minutes
Security & Data Protection
- 496-bit SSL encryption for safe transactions
- Compliant with RBI 2022 Digital Lending Guidelines
- All data is secured with encrypted connections.
- Our IT team ensures top-level security compliance.
- No access to contacts/SMS/location without consent
- Fully secure data practices and encrypted info usage
Outsourced Collection Centre
Agency: SR Enterprises, Delhi
Contact: Mr. Satish Kumar Singh – +91 88025 71767