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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.

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Step 1: Access the Rulaons Platform**

Open the RuConnect platform at https://www.ruloans.com/

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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: To proceed, click “Loans” to view the available list and select your required loan type.

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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:
    • *Payme, TATA PL, Piramal Finance, HDFC Personal Loan, and more.

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Step 11: Provide Basic Details

  1. Mandatory Fields:
    • Full Name, PAN Number, Gender, Email, Date of Birth, Marital Status, Father’s Name, and Mother’s Name.
  2. Consent:
    • Select checkboxes for Privacy Policy and Credit Information consent.
  3. Action:
    • Click Continue to proceed.

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Step 12: OTP Verification

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

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**Step 13: Redirecton page

After submitting the OTP the user will redirect to the lender’s screen for further process.

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Step 14: 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 [email protected] 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.
  7. **User can also redirect to the lenders screen by clicking on the arrow icon.