Jonojivan

Loans · Recharge · Bill Payments

Loans Made Simple.
Recharge Made Easy.

Apply for loans, recharge your mobile and pay your everyday bills from one simple platform.

Loans

Find the Right Loan for Your Needs

Transparent rates, flexible tenures and a fully digital application.

Explore loans →

Offers for You

View all →
  • ₹30 OFFRecharge

    Flat ₹30 off on your first recharge

    Valid on prepaid mobile recharges of ₹199 and above for new users.

    Valid till 31 Dec 2026

    Recharge Now
  • 5% BACKCashback

    5% cashback on electricity bills

    Get up to ₹75 cashback when you pay your electricity bill using UPI.

    Valid till 30 Nov 2026

    Pay Bill
  • ₹50 BACKCashback

    ₹50 cashback on DTH recharge

    Recharge any DTH account for ₹300 or more and get ₹50 cashback.

    Valid till 31 Oct 2026

    Recharge DTH

How it works

Your loan in 5 simple steps

  1. 01

    Check Eligibility

    Answer a few questions to see how much you could borrow.

  2. 02

    Apply Online

    Fill a short step-by-step application form.

  3. 03

    Submit Documents

    Upload KYC and income proof securely.

  4. 04

    Verification

    Our team reviews and verifies your details.

  5. 05

    Loan Processing

    On approval, funds are processed to your bank account.

Bill & recharge categories
9+
Bill & recharge categories
Operators & billers
100+
Operators & billers
Personal loans up to
₹25L
Personal loans up to
Recharge availability
24×7
Recharge availability

Frequently asked questions

Quick answers to common questions about recharges, bills and loans.

All FAQs →
How can I recharge my mobile?

Go to Recharge → Mobile, enter your 10-digit number, confirm the operator and circle, pick a plan and pay. Your recharge is usually completed within seconds.

Which mobile operators are supported?

We support all major operators including Jio, Airtel, Vi, BSNL and MTNL for both prepaid and postpaid connections.

Which DTH providers are supported?

Tata Play, Airtel Digital TV, Dish TV, d2h and Sun Direct are supported. Just enter your Subscriber ID / Customer ID to recharge.

My recharge failed but money was deducted. What now?

Don’t worry. Failed recharges are automatically refunded to your original payment method, typically within 3–5 working days.

How do I apply for a loan?

Choose Personal or Business Loan, check your eligibility, then complete the step-by-step application. You can upload documents online.

Ready to get started?

Recharge in seconds or start your loan application today.

Menu