Understand how tickets are categorised, verified, and drawn under a cryptographically secure audit trail.
Six simple stages from registration to relief payout.
Fill out the registration form with your active PAN card, mobile number, bank name, loan account number, outstanding loan amount, and start date. Fraud prevention filters check for duplicate registrations in real-time.
The engine immediately validates that your loan is at least 6 months old and is currently active. If both conditions are satisfied, you pass the eligibility gate.
You can optionally upload copies of your EMI Schedule or Bank Sanction Letter. Depending on your submissions, your verification score is calculated as Bronze, Silver, or Gold. While not mandatory to enter the draw, higher verification status increases relief payout speed and prioritises your ticket for speedier processing.
Once eligibility is established, the platform generates your unique ticket ID (e.g. DFS-2026-000001) linked to an SVG QR Code containing verification hooks, and lists it inside your secure dashboard.
To enroll your ticket in the periodic draws, purchase draw entries securely via our integrated payment gateway. The fee is calculated dynamically based on your outstanding loan balance (₹1,000 per ₹300,000 outstanding).
On the 15th and last day of every month, our secure draw engine operates. It selects a winning ticket for each group using a cryptographically secure random number generator and posts the audit logs publicly.
To keep distribution equitable, tickets are grouped into different pools based on the original loan size.
Micro loans, agricultural supports, and consumer durables.
Two-wheeler loans, minor business and startup supports.
Education loans, gold loans, and MSME capital.
Car loans, vehicle upgrades, and small properties.
Home loans, large working capital and major property loans.
Each drawn winner is randomly assigned one of three levels of relief based on verified outstanding profiles.
The relief fund covers the entire outstanding principal amount of the loan, completely clearing the borrower of debt with the bank.
The relief fund covers 12 consecutive months of EMI payments, transferring funds directly to the linked loan account every month.
The relief fund covers 6 consecutive months of EMI payments, offering short-term relief during periods of temporary unemployment or crop failure.
Are you an NGO, Corporative CSR Partner, or individual donor? Support borrowers by contributing to our loan relief pools. Help us expand our assistance reach.
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