Pledge any owned asset as Collateral like Mobile Phones, Laptops, Gadgets, Cars, Bikes, Farming Machinery, Equipment, Paintings, Artefact, Medals & Prizes, Fashion Accessories, etc
To Our Users Who May Accept it as Valuable Asset

How UdhaarDe Works?

How UdhaarDe Works

What UdhaarDe does?

UdhaarDe verifies each and every member at the time of registration, either as an lenders or borrower. This ensures that the information that you see on our website about each member is authenticated to the best of UdhaarDe's capabilities. For the same, we collect Personal, Professional, Social and Financial details from each potential member

Once borrower and lenders come to a mutual agreement, UdhaarDe will help them legalize the transaction by signing a formal contract. We make necessary provisions and help both parties realize the deal without the necessity of a physical meeting.

Once a loan is disbursed, we help lenders with the collection and recovery of loans. Delay in repayment by borrowers draw a penalty that is pursued by UdhaarDe as part of the process.

We at UdhaarDe do not collect money deposits from either borrowers or lenders. All monetary transactions are directly between the two parties.

Decisions to lend on UdhaarDe are entirely at the discretion of potential lenders. We do not guarantee fixed or minimum rate of returns to any lenders.

For further details, please read UdhaarDe Term of use and Privacy policy.

UdhaarDe does not give any financial advice or recommendations to either borrowers or lenders on this platform. Members are encouraged to make their own researched and informed decisions and transact accordingly, free of any coercion or any form of influence from us.

If you have further queries, feel free to email us at

Offer Bidding Process Of UdhaarDe

Once registered, lenders can reach out to listed borrowers and borrowers can reach out to registered lenders. Once an offer is accepted, you receive a notification. Either of the user can approach each other.

Basic information such as Amount, expected rate of Interest and tenure is sent with the proposal.

When both parties accept the loan offer, the process of formal contract signing begins. After the loan is disbursed, lenders will receive EMIs on the 10th of every month. If a borrower fails to pay an EMI within a stipulated time, a penalty is levied on the borrower which is payable to lenders directly.

Fund Tranfer And EMIs

UdhaarDe encourages its user to use auto debits for repayments. However, fund transfers can also happen through Bank Cheques, IMPS, NEFT and other auto debits.

The funds are transferred directly between users. If PDCs are issued for repayment, they are directly issuing in the name of the investors.

UdhaarDe also encourages its users to transfer money electronically from leading banks across the country.

Four simple steps at UdhaarDe


Signup and complete your registration with correct information which will be validated by our associates for a minimal fee of Rs. 50/-


Free listing of your requirement for loan and browse through thousands of listings of our users who require loan or users who want to give loan. Choose the amount of loan, interest rates, tenure, and repayment terms


You can meet to check and inspect the collateral if required which is listed by user in case of secured loans or and sign agreement as per your agreed terms and conditions. Or simply go ahead with your usecured loan documentation with traditional banks.


Start paying your EMIs or repay loan in one go.
We urge borrowers and lenders to use our virtual accounts for making any transactions with each other for convenience

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