Step 1: Access the RuConnect Platform**
Open the RuConnect platform at https://ruconnect.in/Step 2: Navigate to the Dashboard
- After successful login, you will land on the Dashboard.
- The Dashboard provides:
- Quick Access Links: Links to personal loans, home loans, and other products.
- Status Overview: Displays details of ongoing or past applications
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.
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.
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.
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.
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.
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.
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.
- 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.
You may review the Terms & Conditions.
Tap Continue
Step 10: Get Your Recommended Offers
- Based on your details, view loan offers from lenders like:
- Sundaram, DMI, Piramal Finance, Motilal, and more.
Step 11: Customer PAN & Mobile Number Entry
This screen is used to collect the customer’s mobile number and PAN (Permanent Account Number), which are essential for identity verification and loan processing.
Step 12: Provide Basic Details
- Mandatory Fields:
- Full Name, PAN Number, Gender, Email, Date of Birth, Marital Status, Father’s Name, and Mother’s Name.
- Consent:
- Select checkboxes for Privacy Policy and Credit Information consent.
- Action:
- Click Continue to proceed.
Step 13: OTP Verification
Enter the One-Time Password (OTP) sent to the registered mobile number for verification.
Step 14: Enter Address Details
- Provide your residential address:
- House/Flat Number (Mandatory)
- Street/Locality (Mandatory)
- City, State, and PIN Code (Mandatory)
- If applicable, enter the address already saved (Optional).
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.
Step 16: Verify Income Details
- Select Income Details as part of the income verification process:
- Monthly Income: Enter your gross income (Mandatory).
- Income Source: Choose from the dropdown menu (e.g., Salaried, Self-employed) (Mandatory).
- Employer Details: Enter your organization’s name (Mandatory).
Step 17: Provide Loan Details
- For Salaried Users
- For Self Employed Users
- Loan Amount:
- Enter the desired loan amount in the input field (Mandatory).
- Loan Tenure:
- Choose the loan tenure from the dropdown menu (e.g., 2 Years, 3 Years) (Mandatory).
- Business Vintage (in Months):
- Provide the duration of your business operation in months (Optional, if applicable).
- Business Turnover:
- Specify your business’s annual turnover (Mandatory).
- After completing the fields, click on the Continue button to proceed to the next step.
** NOTE: The Fields Business Vintage and Business Turnover is only applicable for Self Employed Customers_**
**Step 18: Add Co-Applicant **
This step the user can add co-applicants for the application.- Add Co-Applicant (plus button) redirects to co-applicant page.
- If Co-applicant is already present Continue button is clickable.
**Step 19: Mobile Verification **
The user is needed to provide mobile number of the co-applicant. **Note: Co-applicant’s number cannot be same as the applicant’s number.
**Step 20: OTP Verification **
The user is needed to provide OTP sent to the Co-applicant’s number.
**Step 21: Co-applicant basic details **
This step user is required to provide co-appicant’s basic details- Mandatory Fields:
- Full Name, PAN Number, Gender, Email, Date of Birth, Marital Status, Father’s Name, Mother’s Name and Type of Co-applicant.
- Consent:
- Select checkboxe for Privacy Policy and T&C consent.
- Action:
- Click Continue to proceed.
**Step 22: Co-applicant address details **
- Provide your Residential/Rental address:
- Address Line 1 (Mandatory)
- Address Line 2 (Mandatory)
- Area/Sector (Mandatory)
- Postal Code (Mandatory)
- If applicable, enter the address already saved (Optional).
Step 23: Co-applicant Income Details
- Purpose: The form collects details about the co-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.
Step 24: Verify Co-applicant Income Details
- Select Income Details as part of the income verification process:
- Monthly Income: Enter your gross income (Mandatory).
- Income Source: Choose from the dropdown menu (e.g., Salaried, Self-employed) (Mandatory).
- Employer Details: Enter your organization’s name (Mandatory).
Step 25: Co-applicant Additional Details
- Purpose: The form collects details about the co-applicant’s applicant’s additional details.
- Fields to Fill:
- Employement Type: Select the value of Employement Type from the dropdown.
- Sector: Select the value of Sector from the dropdown.
- Sub-Sector: Select the value of Sub-Sector from the dropdown.
- Property Ownership: Select the value of Property Ownership from the dropdown.
- Landmark: Input the landmark value from field.
- Time At address(In months): Enter the time at address in months.
- Residential with applicant: Select the relation of co-applicant from dropdown menus.
- Action Button: Continue - Once all fields are filled, the user proceeds to the next step.
**Step 26: Select Co-applicants
This step provides user to select co-applicants for the loan application.
Step 27: Applicant Additional Details
- Purpose: The form collects details about the applicant’s additional details.
- Fields to Fill:
- Product: Select the value of Product from the dropdown.
- Property Identifier: Select the value of Property Identifier from the dropdown.
- Property Type: Select the value of Property Type from the dropdown.
- Employement Type: Select the value of Employement Type from the dropdown.
- Sector: Select the value of Sector from the dropdown.
- Sub-Sector: Select the value of Sub-Sector from the dropdown.
- Property Ownership: Select the value of Property Ownership from the dropdown.
- Landmark: Input the landmark value from field.
- Time At address(In months): Enter the time at address in months.
- Branch Code: Select the Branch from where the loan is to be applied.
- Sales Person: Select the sales person available from the selected Branch.
- Action Button: Continue - Once all fields are filled, the user proceeds to the next step.
Step 28: Provide Consent OTP
This Step is required to get Aavas’s consent from both the co-applicants and the main applicant.- Click on Send OTP (Co-applicant)
- Enter the OTP recieved on the number.
After successful Verification of the co-applicant same is done for the main applicant.
!. Click on Send OTP (Applicant)
2. Enter the OTP recieved on the main applicant’s number.
Step 29: Document Upload
This step focuses on the document submission process. This step involves uploading essential KYC and conditional documents for verification. 1.Main Applicant a.KYC document(PAN) b.Other KYC document 2.Co-Applicant a.KYC document(PAN) b.Other KYC document- Action Button: Continue - Once all documents are uploaded, the user proceeds to the next step.
Step 30: Application Submission Confirmation
Description: This step displays a confirmation message after the loan application is successfully submitted. Key Information Displayed:- Application ID: A unique identifier (e.g., 961cd6a1-52b5-49e7-8758-b2e57e34e243) is generated for tracking the application status.
- Support Information: The user is informed that a support executive will contact them within 24 to 48 hours.
- Contact Details: Provides the customer service number 1800 266 7576 and support email [email protected] for any assistance.
- Copy Application ID: A button is provided to easily copy the Application ID for future reference.
- Navigation: A “Go back to Home” link is available to return to the main page.
