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Royalcoin FINTECH CO.Secure. Innovative. Personal.
Secure. Innovative. Personal.

Instant Financial
Power. Zero Hassle.

Get Instant Personal Loans, Flexible Overdraft Facilities, and Smart Balance Transfers at competitive interest rates with 100% digital processing.

Calculate EMI
100% Digital ProcessPaperless DisbursalBank & NBFC partners
₹15K – ₹1 Cr
Ticket size range
10.49%*
Starting interest p.a.
6 – 108 mo
Repayment tenure

Personal loan preview

Pre-approved credit simulation

Instant approval
₹8,50,000
₹15 K₹1 Cr
4 yr

Monthly EMI

₹21,866

Interest p.a.

10.75%

Disbursal account

HDFC Bank · XXXX 4821

Sanction approved — funds ready to release.

Illustrative simulation at 10.75% p.a. Final rate, sanction and disbursal are decided by the partner lender.

Three pillar offerings

Credit built around how you actually spend

One application, three ways to borrow. Pick the structure that fits your cash flow — our credit desk matches your profile to the right partner lender.

01

Personal Loan

Quick liquidity for life’s unexpected expenses & big plans.

  • Ticket sizes from ₹15,000 up to ₹1,00,00,000
  • Flexible tenure from 6 to 108 months
  • Minimal documentation — PAN, Aadhaar, bank statement
  • Fast disbursal, often within 24 working hours
02

Flexible Overdraft (OD) Facility

Pay interest ONLY on the amount you draw, not the total limit.

  • Pre-approved revolving credit line
  • 24×7 withdrawal straight to your bank account
  • Flexible repayments — repay and redraw freely
  • Zero pre-closure charges on the sanctioned line
03

Balance Transfer & Top-Up

Reduce your existing high-cost EMI burdens today.

  • Lower interest rates than your running loan
  • Combined top-up loan available on transfer
  • Streamlined balance migration handled end to end
  • Single consolidated EMI across transferred debt
Run the numbers first

Know your EMI and your savings before you apply

Every figure updates live. Nothing is recorded until you choose to submit an enquiry.

₹6,00,000

₹15,000 to ₹1,00,00,000

11.50%

Partner rates typically start at 10.49% for strong bureau profiles

36 mo

3 yr

Your monthly EMI

₹19,786

₹6 L · 11.50% · 3 yr

Total interest payable

₹1,12,282

Total amount payable

₹7,12,282

Payment breakdown

₹6 L
Principal 84% (₹6 L)Interest 16% (₹1.12 L)

Calculator outputs are illustrative estimates on a reducing-balance basis and exclude processing fees, GST, insurance and stamp duty. Actual rates and charges are set by the partner bank or NBFC.

Digital 4-step process

From enquiry to money in the bank

No branch queues, no courier of documents, no follow-up calls chasing status. Each stage is tracked against your reference number.

Stage 1 of 4

≈ 2 minutes

Pick Personal Loan, Overdraft or Balance Transfer, then share six basic details. Our rule engine screens you against partner lender policies in about two minutes.

Eligibility & documentation

Check where you stand before a bureau hit

Partner lenders publish slightly different cut-offs. These are the screening bands our credit desk works to across banks and NBFCs.

Salaried eligibility criteria

  • Age at application21 to 58 years (loan to close by 60)
  • Minimum net monthly income₹18,000 in metro cities · ₹15,000 elsewhere
  • Credit bureau score700+ preferred · 675 considered with strong banking
  • Employment stabilityMinimum 6 months with current employer, 1 year total
  • Salary credit modeBank credit required — cash salary not eligible

Documents to keep ready

Scans or clear phone photos are accepted. Nothing needs to be notarised or couriered.

  • PAN CardMandatory for bureau pull and KYC
  • Aadhaar CardAddress proof and Aadhaar-based e-KYC
  • 3–6 months bank statementsSalary account, PDF or account aggregator consent
  • Latest 3 salary slipsEmployer-issued, showing net credit
Compliance & trust

A registered Noida entity, not an anonymous app

Borrowing decisions deserve a counterparty you can look up, call and visit. Here is exactly who you are dealing with.

Udyam registered MSME

Registered as ROYALCOIN FINTECH CO. under Udyam number UDYAM-UP-28-0134719, Gautam Buddha Nagar, Uttar Pradesh.

DSA facilitation model

We operate as a Direct Selling Agent channel. Sanction and disbursal sit with the partner bank or NBFC, never with us.

Consent-led data handling

Bureau pulls and account aggregator fetches happen only after your explicit consent, and only for the stated loan enquiry.

Published grievance route

Every complaint is acknowledged within 48 hours with an escalation path to the lender and the RBI ombudsman.

Corporate record

ROYALCOIN FINTECH CO.

Legal business entity name
ROYALCOIN FINTECH CO.
MSME / Udyam registration no.
UDYAM-UP-28-0134719
Registered corporate address
B61 First Floor, SECTOR 2, Near SBI Bank, NOIDA, GAUTAM BUDDHA NAGAR, UTTAR PRADESH - 201301
Official contact email
hr@royalcoin.in
Customer care phone
+91 8882829964
Support hours
Monday to Saturday, 10:00 – 19:00 IST

Ready when you are

Two minutes to check eligibility. No charge for an enquiry, and no obligation to accept a sanction.

Talk to our desk