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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.

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Step 1: Access the RuConnect Platform**

Open the RuConnect platform at https://ruconnect.in/

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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

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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.

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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.

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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.

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If Salaried:

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

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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.

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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.

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

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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
  • Based on your details, view loan offers from lenders like:
    • Fibe, InCred, Piramal Finance, ABFL, and more.

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Step 11: Enter Customer PAN & Mobile Number

  1. Enter the Customer’s PAN Number:
    • Ensure the PAN number is valid and correctly entered.
  2. Enter the Customer’s Mobile Number:
    • Provide a valid mobile number for communication and verification purposes.
  3. Click on the Continue button to proceed to the next step.

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Step 12 : Provide Basic Details

  1. Fill out the basic information form:
    • Full Name (Mandatory)
    • Email Address (Mandatory)
    • Contact Number: Pre-filled from login details (editable if needed). Check the box to agree to the terms and conditions.

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Step 13: OTP Verification

  1. Enter the 4-digit OTP sent to your registered mobile number in the input fields.
  2. If you haven’t received the OTP, wait for the resend option to be enabled after the countdown.
  3. Click the “Continue” button to proceed.

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Step 14: Enter Address Details

  1. Provide your residential address:
    • House/Flat Number (Mandatory)
    • Street/Locality (Mandatory)
    • City, State, and PIN Code (Mandatory).
  1. If applicable, select the checkbox to provide an already present address (Optional).

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Step 15: Fill Your Income Details in a financial or loan application process. Here’s a description of the step:

  • 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.

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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.

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Step 17: Provide Loan Details

  1. Loan Amount:
    • Enter the desired loan amount in the input field (Mandatory).
  2. Loan Tenure:
    • Choose the loan tenure from the dropdown menu (e.g., 2 Years, 3 Years) (Mandatory).
  3. After completing the fields, click on the Continue button to proceed to the next step.

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Step 18: Provide Additional Details

  1. On the “Please Provide Your Additional Details” page, you will be required to fill in various additional details to complete your loan application. These details are categorized under the following sections:
  • Employer Name: Enter the name of the your employer and select it in the dropdown. Note: If your company name is not found select others and enter your company name manually.
  • Employer Type: Select the Employer type from the dropdown.
  • Category: Select your social category (General / SC / ST / OBC).
  • Religion: Choose your religion from the dropdown.
  • Qualification: Select your highest educational qualification.
  • Address Category: Indicate if your residence is Owned, Rented, Parental, etc.
  • Current Employment Duration (In Months): Enter the total months you’ve been self-employed.
  • Sales Person City: Choose the city where the sales person assisting you is located. _ Sales Person: Choose the sales person on the basis of city.
  • Monthly Net Income: Enter your average monthly income after expenses/taxes.
  • End Use: Select the purpose of the loan or financial product (e.g., Business Expansion, Home Repair).
  • Income Address Category: Choose if it’s Owned / Rented / Parental property.
  1. Fill in all the required fields accurately to ensure a smooth and efficient loan processing experience.
  2. Once all the necessary details have been entered, click on the Continue button to proceed to the next step.

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Step 19: Application Status

  • Click “Continue” on the RULOANS platform.
    • After completing the necessary details on the RULOANS platform, you will be
redirected to the Piramal website to proceed further with your loan application.