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Services such as EarlySalary and Moneyview makes use of your bank transactions as way to gauge your capacity to repay the loan.
EarlySalary for example, checks your eligibiltiy based on the fixed deposits and the monthly average balance for last 6 months. And based on the balance maintained and your salary account it decides how much you can be eligible for the early salary loan.
Moneyview has many options for checking your capacity for loan. They take a look at your fixed deposits, your debit and credit card history based on the bank accounts attached with aadhar and PAN.
Apart from these two options. Some platform for online loans also check your properties that can be online documented. For example if you own flat or the house, it can be mentioned in the loan application and that can be used as a collateral.
Some platforms also check for the NSDL and Karvy data for your mutual fund and the equity investment to offer you loan. And they even offer lesser interest if your investment is higher so that if failed they can recover from that as a collateral.
Another recent addition is gold which is being introduced by ICICI and few other online loan companies. These companies are offering postpay loan features through many other payment processors like paytm and phonepe.