> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ruloans.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How to apply for Unsecured Business Loan in Piramal(UBL)

> Loan Flow of Assisted Journey on RuConnect for Pirmal Ubl

# Loan Flow of Assisted Journey on RuConnect

## Introduction

This document provides a comprehensive step-by-step guide for DSAs to apply for a loan using the RuConnect platform. It highlights mandatory and optional fields, supported by screenshots, to ensure clarity and completeness.

## Step 1: Access the RuConnect Platform

* **URL:** Open the RuConnect platform at [RuConnect](https://ruconnect.in/).
* **Login**

## Step 2: Navigate to the Dashboard

After successful login, you will land on the Dashboard.

* **Quick Access Links:** Links to personal loans, home loans, and other products.
* **Status Overview:** Displays details of ongoing or past applications.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image1.png" />

## Step 3: Provide Pincode

Enter your pincode to determine geographical location and provide relevant services.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image2.png" />

## Step 4: Select the Loan Provider

On the "Please Select The Provider" page, a list of available loan providers will be displayed, such as:

* **Tata BL**
* **LENDINGKART**
* **Piramal**
* **Piramal Capital & Housing Finance**

Select the desired loan provider and click "Continue."

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image3.png" />

## Step 5: Enter Customer PAN & Mobile Number

On the "Eligibility Criteria" page, review the eligibility requirements for the loan.

* **FOIR:** 25% to 90%
* **ROI:** 16.99% to 24.99%
* **Salary:** ₹35,000 to ₹10,000,000
* **Age:** 23 to 65 years
* **Loan Amount:** ₹500,000 to ₹3,000,000
* **CIBIL:** 650 to 1000

Provide the customer’s **PAN Number** and **Mobile Number** and click "Continue."

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image4.png" />

## Step 6: Provide Basic Details

Fill out the basic information form:

* **Full Name** (Mandatory)
* **Email Address** (Mandatory)
* **Contact Number** (Pre-filled from login details, editable if needed)

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image5.png" />

## Step 7: OTP Verification

Enter the 4-digit OTP sent to your registered mobile number.

* If you haven’t received the OTP, wait for the resend option.
* Click "Continue."

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image6.png" />

## Step 8: Enter Address Details

Provide your residential address:

* **House/Flat Number** (Mandatory)
* **Street/Locality** (Mandatory)
* **City, State, and PIN Code** (Mandatory)

If applicable, select the checkbox to provide an alternate address (Optional).

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image7.png" />

## Step 9: Fill Your Income Details

Fill in details about your employment and income:

* **Income Type** (Salaried, Self-employed, etc.)
* **Monthly Income**
* **Company Name & Type**
* **Employment Start and End Dates**
* **Office Address**

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image8.png" />

## Step 10: Verify Income Details

Select your profession and enter monthly income details.

Examples:

* **Salaried:** ₹7,75,000 (Company: Kotlin)
* **Self-employed professional:** ₹7,78,000 (Company: Java SC)
* **Self-employed non-professional:** ₹4,46,000 (Company: Mouqnatu)

Click "Continue."

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image9.png" />

## Step 11: Provide Loan Details

Enter the following details:

* **Loan Amount** (Mandatory)
* **Loan Tenure** (Mandatory, e.g., 2 Years, 3 Years)
* **Business Vintage (in Months)** (Optional)
* **Business Turnover** (Mandatory)

Click "Continue."

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image10.png" />

## Step 12: Provide Additional Details

Fill in additional information such as:

* **Religion**
* **Qualification**
* **Address Category**
* **Income Mode**
* **Sales Person**
* **End Use**
* **Business Address Type**
* **Business Email**

Click "Continue."

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/image11.png" />

## Step 13: Application Status

Click "Continue" on the **RULOANS** platform.

You will be redirected to the lender's website to complete the application.

<img src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/Image12.png" />

### If the Application is Rejected

On the "Application Status" page, you will see:

* **Application ID**
* **Status: Rejected**
* **Next Steps:**
  * **Contact Support:** Call 1800 266 7576 or send an email.
  * Click **"Go back to Home"** to explore other options.

<img src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/business-loan/piramal/image13.png" />

***

This guide ensures a smooth loan application journey on RuConnect. Follow each step carefully to complete your application successfully.