Disclosure on ranking of personal loan (Insta Cash) offers

Effective date: 1st Nov 2025

Version 1.0

This document highlights how Finzoomers Services Private Limited (‘INDmoney’) prioritize the Insta Cash loan offers for its users as required under the Reserve Bank of India (Digital Lending) Guidelines, 2025.

Matching methodology

The methodology to prioritize multi-lender personal loan offers to users is based on the following factors:

1. Amount: Users’ desired loan amount and it’s matching with the loan offers available from the lending partners
2. Interest Rate: The interest rate charged by the lending partners

Based on the above parameters, the offers are shown to the users under different categories

1. Category 1: Offers where the user chosen amount falls within the min and max loan amount offered by our lending partners: Offers are listed in ascending order of Interest Rate (ROI)
2. Category 2: Available offers which do not meet the user selected amount: Offers shown in the descending order of available amount.
3. Category 3: No Available Offers: Lending partner names will be displayed where no offers are available

Note: In the below two scenarios, lender offers will take 1st priority in their respective categories

1. If the user has already initiated the disbursement journey with any lending partner and he / she has successfully completed the KYC process or been approved under the underwriting norms (BRE) of the lending partner, or
2. If the user is eligible for a top-up or a repeat disbursement on any existing lending partner from which the user has already taken a disbursement once on the INDmoney platform.

In implementing the above approach, INDmoney does not use any dark /deceptive patterns designed to mislead borrowers into choosing a particular loan offer. INDmoney does not have any control or alter lender pricing, eligibility rules, or credit decisioning.

INDmoney may revise this methodology periodically. All changes are formally documented and retained for audit and regulatory review.