01↗
BUSINESS LIQUIDITY
Working Capital Finance
For inventory, supplier payments, receivables and operating expenses. Limits depend on turnover, banking conduct and cash flow.
9:41● ●●
Hello,Your Jojo 👋
Loan eligibility
₹5,00,000
SIMPLE PROCESSCheck eligibility in minutes
›LENDING PARTNER NETWORKCompare suitable loan optionsSubject to partner approval
⌂Home₹Loans✓Eligibility◉Profile
✓Eligibility checkedOptions found
₹12 loan typesOne simple journey
EXPLORE ALL LOANSChoose your loan.
Choose your loan.
Know every detail.
Select any loan card to see its purpose, eligibility, required documents and repayment structure before applying.
↓ Click a loan below to view complete detailsUNSECURED CREDITPersonal LoanPlanned or urgent personal expenses+
Suitable for
Medical needs, wedding, travel, education expenses, home improvement or debt consolidation.
Who may apply
Salaried or self-employed applicants with regular income and acceptable repayment capacity.
Common documents
PAN, identity/address proof, bank statements, salary slips or income-tax returns.
Loan structure
Usually unsecured with fixed EMIs. Amount, rate and tenure depend on lender assessment.
BUSINESS GROWTHBusiness LoanWorking capital, expansion and equipment+
Suitable for
Inventory, machinery, shop renovation, marketing, expansion and operating costs.
Who may apply
Proprietorships, partnerships, LLPs and companies with demonstrable business cash flow.
Common documents
KYC, registration, GST returns, ITRs, financial statements and bank statements.
Loan structure
Secured or unsecured options may be available based on turnover and lender policy.
SMALL ENTERPRISE CREDITMSME LoanFinance for eligible micro and small enterprises+
Suitable for
Machinery, technology, capacity expansion, inventory and working-capital needs.
Who may apply
Eligible micro, small and medium enterprises meeting business-vintage and cash-flow rules.
Common documents
KYC, Udyam/GST details, ITRs, bank statements and financial records.
Loan structure
Term loan or working-capital facility; collateral requirements vary by programme.
PROPERTY FINANCEHome LoanBuy, construct, extend or renovate+
Suitable for
House or flat purchase, self-construction, extension and approved renovation.
Who may apply
Salaried and self-employed applicants with stable income and eligible property.
Common documents
KYC, income proof, bank statements and complete property/title documents.
Loan structure
Long-tenure secured finance; margin contribution and property verification apply.
SECURED FUNDINGLoan Against PropertyFunding against eligible property+
Suitable for
Business expansion, education, medical needs or permitted high-value requirements.
Who may apply
Property owners with demonstrable income and clear residential or commercial title.
Common documents
KYC, income records, title deed, property chain, tax receipts and approved plans.
Loan structure
Loan-to-value and tenure vary by property valuation and applicant profile.
STUDY FINANCEEducation LoanHigher studies in India or abroad+
Suitable for
Eligible tuition, accommodation, books, equipment and education expenses.
Who may apply
Students with confirmed admission; a parent or guardian is generally co-applicant.
Common documents
KYC, admission letter, fee schedule, academic records and income documents.
Loan structure
Moratorium and terms vary by course, institute, collateral and lender.
GOLD-BACKED CREDITGold LoanFunding against eligible gold jewellery+
Suitable for
Short-term personal, agricultural or business needs permitted by the lender.
Who may apply
Adult owners of eligible gold jewellery, subject to purity and valuation.
Common documents
Basic KYC, address proof and lender declarations; gold is physically assessed.
Loan structure
Amount depends on gold value and applicable loan-to-value limits.
MOBILITY FINANCEVehicle LoanNew or eligible used vehicles+
Suitable for
Two-wheelers, passenger cars and eligible commercial vehicles.
Who may apply
Salaried, self-employed or business applicants with stable income.
Common documents
KYC, income proof, bank statements and vehicle quotation.
Loan structure
The financed vehicle is generally hypothecated until repayment.
MERCHANT FINANCEMerchant LoanCredit for shops and eligible sellers+
Suitable for
Stock purchase, seasonal demand, shop improvement and daily business cash flow.
Who may apply
Eligible retailers, shopkeepers and merchants with transaction or banking history.
Common documents
KYC, shop/business proof, bank statements, GST or sales records where applicable.
Loan structure
Repayment and limit may be assessed from business turnover and cash flow.
PRODUCT FINANCEConsumer Durable LoanAppliances, electronics and equipment+
Suitable for
Eligible household appliances, electronics or other approved consumer products.
Who may apply
Customers meeting lender rules for age, income, residence and repayment capacity.
Common documents
Basic KYC, address proof, income or bank records and product invoice/quotation.
Loan structure
Short-tenure product finance, sometimes offered at merchant point of sale.
SMALL-TICKET CREDITMicrofinance LoanCredit for eligible livelihood needs+
Suitable for
Small livelihood activities, household enterprise and permitted income-generating needs.
Who may apply
Eligible borrowers or groups meeting regulated lender income and assessment rules.
Common documents
KYC, residence details, household-income information and lender-required group records.
Loan structure
Small-ticket repayment plans subject to responsible-lending and indebtedness checks.
PROFESSIONAL PRACTICEProfessional LoanFor doctors, CAs and professionals+
Suitable for
Clinic or office setup, equipment, renovation and working capital.
Who may apply
Qualified professionals meeting practice-vintage and income rules.
Common documents
KYC, qualification, registration, ITRs and bank statements.
Loan structure
Unsecured or secured facilities may be offered by profile.
02◆
GROWTH FUNDING
Project Finance
For eligible new projects or expansion. Lenders review promoter contribution, DPR, projected cash flow, security and approvals.
03✓
MSME CREDIT SUPPORT
CGTMSE-linked Credit
Eligible MSEs may access collateral-free lender programmes backed by CGTMSE. Coverage is not automatic loan approval.
HOW IT WORKSYour application journeyFour clear steps. Full control at every stage.
* Jojo Money is not a lender. Loan availability, eligibility, interest rate, tenure and approval are determined by authorised lending partners under applicable regulations.
PLAN YOUR REPAYMENTCalculate your
Calculate your
monthly EMI.
Enter your expected loan amount, annual interest rate and repayment period to get an instant estimate.
ESTIMATED MONTHLY EMI
₹39,602
Principal amount₹20,00,000
Total interest₹3,76,144
Total payable₹23,76,144
Repayment period60 months
Principal amountTotal interest
CREDIT HEALTHKnow your credit.
Know your credit.
Plan with confidence.
Register for free credit-score access through an authorised bureau or partner when the service launches. Checking your own score does not reduce it.
CREDIT SCORE RANGE300–900A higher score generally indicates stronger credit health
750+
300900
300–549Needs attention550–649Fair650–749Good750–900Very good
Score bands are educational indicators only. Each lender applies its own eligibility and underwriting policy.
Free score access
Get access through an authorised credit bureau or approved partner after integration.
Credit health insights
Understand payment history, credit utilisation, enquiries and account mix.
Improvement guidance
Learn practical steps that may support better long-term credit behaviour.
Privacy-first process
Never share OTP, PIN, CVV or banking passwords with anyone.
Does checking my own score reduce it?
No. A self-check is generally treated as a soft enquiry and does not reduce your score.
What information affects a credit score?
Payment history, credit utilisation, age and mix of credit, and recent hard enquiries can influence the score.
Does a high score guarantee loan approval?
No. Lenders also consider income, repayment capacity, existing obligations and their internal credit policy.
CIBIL is a trademark of TransUnion CIBIL Limited. Jojo Money is not a credit bureau and does not currently issue credit scores. Bureau data access will require authorised partner integration and customer consent.
ABOUT JOJO MONEYBuilt to make credit
Built to make credit
simpler for Bharat.
Jojo Money Private Limited is a technology-led financial services company working to make responsible credit discovery easier, clearer and more accessible for people and businesses across India.
Through one simple digital platform, we aim to help customers explore suitable personal, business, MSME, gold, education, home and other loan options offered by authorised lending partners. Our focus is on transparent information, a smooth application journey, responsible data practices and dependable customer support.
01Simple accessClear journeys designed for everyday users
02Responsible partnershipsServices through authorised financial partners
03Bharat-first visionDigital finance made easier beyond big cities
Jojo Money is not a bank or lender. Credit decisions, rates and disbursals are made by the respective authorised lending partner.
DIRECTOR'S VISIONFinance should create
Finance should create
opportunity, not confusion.
“Our vision is to build Jojo Money as a trusted digital bridge between people and responsible financial opportunities. We want every customer—from a salaried professional to a small shopkeeper or first-time borrower—to understand their options clearly and move forward with confidence.”
We are building with a Bharat-first mindset: simple technology, transparent communication and partnerships with authorised financial institutions. Our long-term goal is to make useful financial services more accessible beyond major cities while protecting customer choice, privacy and dignity at every step.
Clarity before commitmentTechnology with trustOpportunity for every Bharat
Trust comes firstYour money.
Your money.
Your control.
Secure by design
Security and privacy are being built into every step of the experience.
Regulated partners
Financial services will be delivered only through authorised, compliant partners.
Plain language
Fees, terms and essential information explained clearly, without confusion.
Your questions
Good to know
Is Jojo Money available now?
Jojo Money is currently in development. Join Early Access to receive launch updates and get priority access.
Does Jojo Money provide loans directly?
No. Jojo Money is a lending service platform. Loan offers and disbursals will come from authorised lending partners, subject to their approval.
Which loan types will be available?
Personal, business, MSME, gold, education, home, vehicle, property-backed, consumer, microfinance and professional loan options are planned.
Will my information be secure?
We are working on privacy-first design, limited data collection and security processes aligned with applicable Indian regulations.
CONTACT JOJO MONEYTalk to our
Talk to our
loan support team.
Have a question or want to explore a loan? Contact us directly or submit the interest form.
☎Call us6389339000
✉Email usinfo@jojomoney.in
⌖Visit usJeetmal Gauridatt Road, Chillbila, Pratapgarh, Uttar Pradesh – 230403
JOJO MONEY PRIORITY ACCESSLet’s find the right
Let’s find the right
loan for you.
Share your basic details. Our team will contact you with suitable loan options from authorised lending partners.
✓ No application fee✓ Secure enquiry✓ Quick assistance
BUILD WITH JOJO MONEYDo meaningful work.
Do meaningful work.
Grow with us.
We are building a Bharat-focused financial technology platform. If you care about simple products, responsible finance and customer trust, share your profile with us.
01Purpose-led workBuild useful financial experiences for real people
02Learning mindsetGrow with a young, ambitious team
03Equal opportunityApplications are evaluated on skills and suitability
i
Please upload only your resume in PDF format. Do not upload Aadhaar, PAN, bank statements or other sensitive identity documents.