Claim Guide: How to Utilize "EMI Kavach" During Financial Crisis

We understand that financial crises bring mental stress. Therefore, we have made our claim process 100% digital, paperless, and transparent to ensure your loan and asset safety within 24 to 48 working hours.

1

Step 1: File Your Claim Request

Visit our official website emikavach.online, log in with your registered mobile number, select "File a Claim" on your dashboard, and provide your loan account details along with the reason for distress.

2

Step 2: Upload Required Documents

No physical paperwork or courier is needed. Capture clear photos via your smartphone and upload authentic digital documents directly through the secure portal.

3

Step 3: Direct Lender Payout (NEFT/IMPS)

Following digital verification by our legal and tech teams, the approved claim amount is electronically transferred directly to your active loan account with your Bank or NBFC.

Mandatory & Legal Document Checklist (100% Digital)

  • In Case of Job Loss / Layoff: Official employer-issued layoff/termination letter, email confirmation, and updated past 3 months EPFO/PF statement.
  • For Gig Workers (Delivery & Ride Partners): Platform app login history screenshot for the past 15 days and a valid medical certificate from a registered physician.
  • In Case of Medical Emergency / Accident: Hospital Discharge Summary or a certified 7–15 days bed-rest medical certificate signed by an authorized doctor.
  • Recent Loan Statement: Latest statement from your lender (Bank/NBFC) clearly reflecting outstanding interest and principal dues.

Frequently Asked Questions (Claim FAQs)

Q. How long does it take for a claim to be processed and approved?

Ans: Once all valid documents are successfully uploaded, our verification team processes and approves claims within 24 to 48 working hours.

Q. Can I receive the claim payout in cash or in my personal savings bank account?

Ans: No. To prevent misuse, fraud, and comply with legal frameworks, claim disbursements are remitted directly to the lender/NBFC where your loan is active, ensuring your pledged gold or asset is protected from auction.

Q. Is a claim applicable if I voluntarily resign from my job?

Ans: No. This safeguard policy exclusively covers involuntary crises (such as corporate layoffs, sudden accidents, or severe medical incapacitation). Voluntary resignation is strictly ineligible.

Legal Disclaimer: EMI Kavach is a financial protection and legal awareness platform, not a direct lending institution or insurer. All claim settlements are governed by partner financial institution guidelines.