To get ₹30,000 immediately, you can use trusted instant personal loan apps like Fibe, KreditBee, Moneyview, PaySense, Kissht, etc. These apps offer digital loans with fast approval - usually within 10 to 30 minutes - by submitting minimal documents such as PAN, Aadhaar, salary slip or bank statement and completing KYC online. Once approved, ₹30,000 is credited directly to your bank account. 

Why You May Need ₹30,000 Urgently 

Financial emergencies can hit at any time. Whether it's a sudden medical expense, urgent travel, a broken appliance, or simply running short before payday - having instant access to ₹30,000 can solve a lot of stress. Traditionally, this amount would require applying through a bank, waiting days for processing, and going through detailed checks. But with the rise of fintech in India, digital loans offer a much quicker solution. 

Top Instant Loan Apps to Get ₹30,000 Right Now 

Here are the most reliable and RBI-compliant apps offering quick loans of ₹30,000 or more: 

App Name 

Loan Amount 

Interest Rate (Annual) 

Approval Time 

Fibe 

₹8,000 – ₹5 Lakh 

18% – 29.95% p.a. 

10–15 minutes 

KreditBee 

₹6,000 – ₹10 Lakh 

12% – 28.5% p.a. 

Same-day 

Moneyview 

₹5,000 – ₹10 Lakh 

Starting from 14% p.a. 

24 hours 

PaySense 

₹5,000 – ₹5 Lakh 

16.8% –27.6% p.a.

1–24 hours 

Kissht 

₹5,000 – ₹5 Lakh 

Up to 36% p.a. 

10–15 minutes 

mPokket 

₹500 – ₹50,000 

24% - 39% p.a. 

10 minutes 

NIRA 

₹5,000 – ₹1.5 lakh 

24% - 36% p.a. 

Same-day 

Eligibility Criteria to Get ₹30,000 Loan Instantly 

Each platform has slightly different criteria, but here’s a general overview of what’s required to qualify for a ₹30,000 loan: 

  • Age: 21 to 55 years 

  • Employment Type: Salaried (most apps); some accept self-employed 

  • Minimum Monthly Income: ₹12,000 – ₹20,000 depending on app 

  • Credit Score: 650+ preferred, though some apps approve with no CIBIL history 

  • Bank Account: Active Indian bank account with net banking enabled 

  • Location: Most apps serve Tier 1, 2, and 3 cities in India 

Documents Required 

These apps require only basic documents. Uploads are done online through the app interface. 

Mandatory Documents: 

  1. Aadhaar Card (Identity and Address Proof) 

  2. PAN Card (Mandatory for KYC) 

  3. Salary Slips / Bank Statement (for income verification) 

  4. Selfie or live photo (for instant verification) 

  5. Mobile Number linked to Aadhaar (for OTP verification) 

Step-by-Step Process to Get ₹30,000 Immediately 

Follow these simple steps to get the amount disbursed directly into your account: 

  1. Choose a Trusted App 

Pick one from KreditBee, MoneyTap, PaySense, etc., based on reviews and eligibility. 

  1. Download the App 

Install from Google Play Store or Apple App Store. Ensure you download the official app only. 

  1. Register and Fill Details 

Enter your name, PAN, employment, income, and other details. 

  1. Upload Documents 

Upload soft copies or photos of your PAN, Aadhaar, salary slip, and bank statement. 

  1. Complete e-KYC or Video KYC 

Some platforms require you to complete KYC over video for faster approval. 

  1. Select ₹30,000 as Your Loan Amount 

Choose tenure (typically 3–12 months) and review interest rate and processing fee. 

  1. Get Instant Approval & Disbursal 

Once approved, the loan is credited to your bank account—sometimes within 10 minutes! 

EMI Example for ₹30,000 Loan 

Let’s say you borrow ₹30,000 at 24% interest for 6 months: 

Component 

Value 

Loan Amount 

₹30,000 

Tenure 

6 months 

Monthly EMI 

₹5,356 approx. 

Interest Amount 

₹2,135 

Total Payable 

₹32,135 approx. 

Processing Fee 

₹300–₹600 (varies by app) 

Benefits of Instant Loan Apps 

1. Quick Disbursal (Within Minutes) 

Most instant loan apps credit the loan amount directly to your bank account within 10 to 30 minutes, making them ideal for emergency needs. 

2. 100% Digital Process 

You can apply, upload documents, and get approval all through your smartphone—no need to visit a bank or submit physical papers. 

3. Minimal Documentation 

Typically, only basic KYC documents are needed—Aadhaar, PAN, bank statement, and sometimes income proof or salary slip. 

4. Available for Low CIBIL or New Borrowers 

Some apps approve loans even if you have a low or no credit score, making them accessible to first-time users. 

5. Flexible Loan Amounts & Tenure 

You can borrow as low as ₹1,000 and up to ₹5 lakhs with repayment tenure ranging from 3 to 24 months. 

6. Transparent Charges 

Most apps clearly show the interest rate, processing fee, and EMI before disbursal—no hidden fees. 

7. Safe and Regulated 

Trusted apps operate under RBI guidelines or through registered NBFCs, ensuring secure transactions and data protection. 

8. Pre-approved Offers 

Repeat users often get pre-approved loan limits for faster access to funds. 

9. Ideal for Students & Freelancers 

Apps like mPokket or KreditBee cater to non-salaried individuals with minimal eligibility. 

Things to Watch Out For 

  • High Interest Rates – Compared to bank loans, instant loans can have 18–36% p.a. interest. 

  • Timely Repayment Is Crucial – Missing an EMI will affect your credit score. 

  • Read All Terms – Especially about prepayment charges and processing fees. 

Final Thoughts 

Getting ₹30,000 immediately is no longer a stressful task. With the help of India’s top instant loan apps, anyone with a stable income and basic documentation can get the amount transferred within minutes to hours. Whether you're a salaried individual, self-employed, or a student, there's a suitable platform for you. 

Choose your app wisely, understand the repayment terms, and always borrow within your capacity. Loans can be lifesavers when used responsibly.