> ## 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 Instape Personal Loan in Ruloans Webapp

> Flow of Assisted Journey of Instape Personal Loan on Ruloans

**Introduction:**

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

## Step 1: Access the Rulaons Platform\*\*

Open the RuConnect platform at [https://www.ruloans.com/](https://www.ruloans.com/)

## 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**: To proceed, click "Loans" to view the available list and select your required loan type.

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/image4.png" />

## 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 src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/image7.png" />

## 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 src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/image8.png" />

## Step 5: Choose Your Profession

Select the category that best describes your employment type:

* **Govt Employee** - User must selects the govt employee as a employement type.

### If **Govt Employee**:

* **Select State**: .User must selects the Rajasthan as a state.

* **Monthly Income**: Your average take-home salary each month.

* Tap **Continue**.

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/instape-pl/instape%201.png" />

## 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 src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/image14.png" />

## 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 src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/image15.png" />

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/image16.png" />

## 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 src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/cibil-1.png" />

## 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 src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/cibil-2.png" />

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/bre-journey/cibil-3.png" />

## Step 10: Get Your Recommended Offers

* Based on your details, view loan offers from lenders like:
  * \**Instape*, **TATA PL**, **Piramal Finance**, **HDFC Personal Loan**, and more.

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/instape-pl/instape%202.png" />

## **Step 11: Provide Basic Details**

1. Full Name

2. Mobile Number

3. Pan Number

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/instape-pl/instape%203.png" />

## **Step 12: OTP Verification**

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

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/instape-pl/instape%204.png" />

## **Step 13: Application Submission Confirmation**

**Description:**

This step displays a confirmation message after the loan application is successfully submitted.

**Key Information Displayed:**

1. **External Lead ID:** A unique identifier (e.g., HLSARUL0000003E) is generated for tracking the application status.
2. **Support Information:** The user is informed that a support executive will contact them within 24 to 48 hours.
3. **Contact Details:** Provides the customer service number 1800 266 7576 and support email [support@ruloans.com](mailto:support@ruloans.com) for any assistance.
4. **Copy External Lead ID:** A button is provided to easily copy the External Lead ID for future reference.
5. **Navigation:** A "Home" button is available to return to the main page.
6. **Details:** A "View" button is available to view further application details.

<img src="https://ruloans-bucket.s3.amazonaws.com/docs/b2c/webapp/loans/instape-pl/instape%205.png" />