> ## 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 DMI Home Loan(HL)

> Loan Flow of Assisted Journey on RuConnect for DMI HL

## 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.

**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\*\*

Open the RuConnect App at your Android/IOS device.

## Step 2: Navigate to the Dashboard

1. After successful login, you will land on the **Dashboard**.
2. The Dashboard provides:
   * **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/new-app-bre/image1.jpg" />

## Step 3: Enter Your Pincode

* **Pincode**: Enter the 6-digit postal code of your residence or business address.\
  This helps us verify your location and show eligible offers.
* Tap **Continue**.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image2.jpg" />

## Step 4: Enter Your Date of Birth

* **Date of Birth**: Select your date of birth using the calendar picker.\
  This helps determine your eligibility and age-based offers.
* Tap **Continue**.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image3.jpg" />

## Step 5: Choose Your Profession

Select the category that best describes your employment type:

* **Salaried** - If you work for a company or organization.
* **Self-Employed** - If you are a freelancer, consultant, or professional.
* **Business Owner** - If you run a business, either registered or informal.

### If **Salaried**:

* **Company Name**: Name of your employer.
* **Monthly Income**: Your average take-home salary each month.

### If **Self-Employed** or **Business Owner**:

* **Business Name / Company Name**: Name of your business or profession.

* **Business Turnover**: Approximate annual income from your business/profession.

* **Business Vintage (in months)**: How long you've been running it.

* **Monthly Income**: Your average net income per month.

* Tap **Continue**.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image4.jpg" />

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image5.jpg" />

## Step 6: Select Loan Amount & Duration

* **Loan Amount**: Choose a preset amount (e.g., ₹ 2L / ₹ 5L / ₹ 15L) or enter a **Custom Amount**.
* **Loan Tenure**: Choose the repayment period (in years).
* Tap **Continue**.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image6.jpg" />

## Step 7: Know Your CIBIL Score?

* If you select **Yes**:
  * **CIBIL Score**: Enter your 3-digit credit score (e.g., 750).
  * **Monthly EMI**: Total of all active loan EMIs you're paying.

* If you select **No**: User will be redirected to Step 8.

* If you Tap **Skip**: User will be redirected to Step 10.

* Tap **Continue**.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image7.jpg" />

## Step 8: Enter PAN Number & Give Consent

* **PAN Number**: Enter your 10-character PAN (e.g., ABCDE1234F).\
  Required to verify your credit score and match loan offers.
* Tap **Continue**.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image8.jpg" />

## Step 9: Fill Personal & Address Details for CIBIL

**Personal Details**

* **First Name**: Enter your First name.
* **Middle Name**: Enter your Middle name (optional).
* **Last Name**: Enter your Last name.
* **Father's Name**: Enter your Father's full name.
* **Mother's Name**: Enter your Mother's full name.
* **Gender**: Select your gender from the dropdown.
* **Email ID**: Enter your email ID.
* **Mobile Number**: Enter your mobile number.
* **Date of Birth**: Enter your date of birth.

**Address Details**

* **House / Flat / Block Number**: Enter the house/flat/block number of the address.
* **Building / Apartment Name**: Enter the building/apartment name of the address.
* **Area / Sector**: Enter the area/sector of the address.
* **Pincode**: Enter the pincode of the address.
* **City**: Select the city from the dropdown.
* **State**: Select the state from the dropdown.

Tick **I Agree & Confirm** to give consent.\
You may review the Terms & Conditions.\
Tap **Continue**

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image9.jpg" />

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image10.jpg" />

## Step 10: Get Your Recommended Offers

* Based on your details, view loan offers from lenders like:
  * **Motilal Finance**, **DMI Finance**, **Piramal Finance**, and more.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/new-app-bre/image11.jpg" />

## Step 11: Customer PAN & Mobile Number Entry

This screen collects the customer's **mobile number and PAN (Permanent Account Number)** for identity verification and loan processing.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image5.png" />

## Step 12: Provide Basic Details

### **Mandatory Fields:**

* Full Name
* PAN Number
* Gender
* Email
* Date of Birth
* Marital Status
* Father’s Name
* Mother’s Name

### **Consent:**

* Select checkboxes for Privacy Policy and Credit Information consent.

Click **Continue** to proceed.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image6.png" />

## Step 13: OTP Verification

Enter the **One\*Time Password (OTP)** sent to the registered mobile number for verification.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image7.png" />

## **Step 14: Enter Address Details**

1. Provide your residential address:
   * **Address Type** (Mandatory)
   * **Address Line 1** (Mandatory)
   * **Address Line 2** (Mandatory)
   * **Area/Sector** (Mandatory)
   * **Postal Code** (Mandatory)
   * **City & State** (Auto fetched)

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image7.png" />

1. If applicable, enter the address already saved (Optional).

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image7.png" />

## **Step 15: Fill Your Income Details**

* **Purpose**: The form collects details about the applicant's income and employment information to assess their financial stability.
* **Fields to Fill**:
  * **Income Type**: Choose between options like salaried, self-employed, etc.
  * **Monthly Income**: Enter the monthly income in numeric value.
  * **Company**: Specify the name of the employer.
  * **Company Type**: Choose the type of company (e.g., private, government, etc.).
  * **Employment Start and End Dates**: Input the tenure of employment.
    * Option to mark "Currently Work Here" for ongoing employment.
  * **Office Address**: Enter the detailed office address (Line 1, Line 2, Line 3, Postal Code).
  * **State and City**: Select the state and city from dropdown menus.
* **Action Button**: **Continue** - Once all fields are filled, the user proceeds to the next step.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image7.png" />

## **Step 16: Verify Income Details**

1. **Select the appropriate profession** that matches your employment status.
2. **Click on the Continue button** to proceed to the next step.

<img width="200" src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image7.png" />

## Step 17: Provide Loan Details

### **Fields to Fill:**

* **Loan Amount:** Enter the desired amount.
* **Loan Tenure:** Choose the duration (e.g., 2 Years, 3 Years).

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

## Step 18: Additional Details Submission

### **Key Requirements:**

* **Aadhaar Number**
* **Property Identified?**
* **Property Type**
* **Employment Sector**
* **Property Value**
* **Net Income**
* **Deductions**
* **Expected Retirement Age**

<img src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image12.png" />

## Step 19: Document Upload for KYC

### **KYC Documents:**

* Aadhaar Card
* PAN Card

### **Conditional Documents:**

* Last Year Salary Slip (if applicable)
* Form 16
* Bank Statement (Last 6 Months)
* Address Proof

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

<img src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image14.png" />

## Step 20: Application Submission Confirmation

### **Key Information Displayed:**

* **Application ID:** Unique identifier for tracking.
* **Support Information:** Contact within 24 to 48 hours.
* **Customer Service:**
  * **Phone:** 1800 266 7576
  * **Email:** [support@ruloans.com](mailto:support@ruloans.com)

<img src="https://ruloans-bucket.s3.ap-south-1.amazonaws.com/docs/b2b/app/loans/home-loan/dmi/image15.png" />