Frequently asked
questions.

Phoenix Capital India Pvt Ltd is a loan service provider and non-banking, non-deposit-taking finance company offering secured and unsecured solutions for eligible customers.

The portfolio covers secured and unsecured urban and rural solutions, including vehicle, business, loan against property, agriculture equipment, agriculture-land backed, cattle, milk-linked, personal and group loans.

The journey generally starts with an application, followed by document submission and verification, credit assessment, approval and disbursal subject to applicable conditions.

Requirements vary by product and profile. Common documents may include PAN, address proof, income evidence, bank statements and other documents required for verification.

The official website indicates that credit evaluation can take around 10–24 hours, subject to receipt of complete information and applicable assessment.

Pricing depends on product structure, tenure, repayment terms, customer profile and the company's applicable cost of funds and pricing policy.

Collateral requirements depend on the selected product. Secured products may require eligible security or assets, while unsecured products are evaluated under their applicable criteria.

The company states that there are no hidden charges; applicable processing fees and other approved charges should be communicated as part of the loan documentation.

After approval and completion of applicable documentation and conditions, the approved amount is credited through the designated banking channel as per the loan agreement.

Customer information should be handled through secure service channels and only for legitimate financial-service purposes. Never share OTPs, PINs, passwords or full card details with anyone.