Small-ticket loans for real life — assessed fast, priced transparently, and disbursed straight to your bank account. Every loan comes with a Key Facts Statement before you sign. No surprises, ever.
A short application, a quick KYC check, and money in your account. Our team walks with you at every step.
Tell us who you are and how much you need. A few minutes on the borrower portal — or our team helps you apply in person.
We verify your identity and assess your repayment capacity fairly. Before anything is signed, you get a Key Facts Statement showing the exact rate, fees, and schedule.
On approval, the loan is disbursed directly to your bank account by Nishtha Leasing Pvt Ltd — the lender of record. Repay in simple, scheduled instalments.
blinkemi is built and operated by Nishtha Leasing Pvt Ltd — a non-banking financial company registered with the Reserve Bank of India, lending since 1991.
Loans are sanctioned and disbursed by Nishtha Leasing Pvt Ltd, holder of RBI Certificate of Registration No. 14.01047 (dated 10-Aug-1998). Not an aggregator. Not a marketplace. The lender itself.
Before you sign, you receive a KFS stating the annualised interest rate, all fees, and the full repayment schedule — as per our published Interest Rate Policy.
Respectful collections, transparent terms, and no coercive practices — governed by our Fair Practices Code and RBI's Digital Lending Directions.
A dedicated grievance cell with resolution within 30 days — and direct escalation to the RBI Ombudsman if we fall short. See our Grievance Redressal Policy.
Apply through the borrower portal, or write to us and our team will guide you through your application.