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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:
    • Hero Housing Finance, Sunadaram, Piramal Finance, DMI, 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: 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)
  1. If applicable, enter the address already saved (Optional).

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**Step 14: Redirecton page

After selecting the address details the user will redirect to the “Lender Redirection” page where user can click on the “Continue with Payme” and redirect to the lender’s screen where user can complete there further details.

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Step 20: 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.