--- title: 'True Balance Personal Loan 2026: Full Malayalam Review' source: 'https://youtube.com/watch?v=AXHxLtQHkbg' video_id: 'AXHxLtQHkbg' date: 2026-07-31 duration_sec: 220 --- # True Balance Personal Loan 2026: Full Malayalam Review > Source: [True Balance Personal Loan 2026: Full Malayalam Review](https://youtube.com/watch?v=AXHxLtQHkbg) ## Summary This video provides a detailed review of the True Balance personal loan app, explaining its features, interest rates, eligibility requirements, and safety precautions for users. Presented in Malayalam, it also discusses the broader business model of instant loan apps and offers financial planning advice. ### Key Points - **Introduction to True Balance** [00:03] — The host Vineesh Roni introduces the True Balance app as a cool and useful application for personal loans. - **Safety checks before using loan apps** [00:18] — Advises ensuring the app is RBI approved, reading comments and user reviews, checking download counts, reading the loan agreement carefully, and reviewing app permissions for contacts and gallery. - **Business model of instant loan apps** [00:46] — Explains that these apps offer no-collateral loans, which is why interest rates are comparatively higher. - **Interest rates and paperwork** [01:00] — Normal interest rates range from 12% to 36% annually, and there is no annual paperwork burden; simple documents like Aadhaar, PAN, and a bank account are enough. - **Loan amounts and types** [01:24] — Loans can be obtained from Rs. 5,000 to Rs. 1 lakh; in Kerala, there are two types of loans, likely a startup loan and a cash loan. - **True Balance app features** [01:54] — The app is available on the Play Store and App Store; users can request a loan in moments and receive money to their account immediately; only a smartphone is required. - **Interest and processing fees** [02:21] — The app charges about 2.4% per month (which works out to roughly 28.8% per year, within the stated 12–36% range) and processing fees that include GST. - **Additional benefits** [02:36] — True Balance offers secure loans, insurance facilities, discount coupons, and card-based reward systems that accumulate with use. - **Conclusion and financial advice** [03:06] — The host emphasizes that proper financial planning is the path to prosperity and that instant loan apps are very useful in daily life when used responsibly. ## Transcript Hello, I am Vineesh Roni. app for a long time. It's a cool app . It's an app that's . You have to start with the . If you click the bell button next to it, you will receive a notification on . make sure the app is RBI approved. You should read the comments . Similarly, you should look at how many people have Similarly, you should read the loan agreement carefully . I should check to see if there is a contact number gallery or contacts . You should After considering all these things, you can take out a loan. These personal instant loan apps are not a big problem. What is this business model? Let's understand. . No collateral. That is, ED Jamia is interest rate will be comparatively higher. The normal interest rate ranges from 12 to 36% and there is no annual paperwork. . Some people are asking about simple things like Aadhaar card, PAN card, and . Just provide a bank account. provide a bank account. Kerala, there are two types of loans. applying from Kerala, the You will get a cash loan for the same amount you get at startup. A loan is a loan that can be obtained from Rs. 5,000 to Rs. 1 lakh . So True Balance. It 's a firm I've known for a while. True Balance is an app available on the Play Store, which Limited app and take out a loan? can download the app from the Play Store or the App Store. . You can request a loan in just a few moments account immediately. That's all. Just a smart phone is enough. Nothing else is needed. That's the advantage. is 2.4 percent per month, which comes annually, not per month. That is, as I said, normally, it is 12 to 36% per year. When we calculate it, 36% per year. When we calculate it, that processing fee also includes GST. If you problem. There are no big problems. bank. Now support schemes True They provide secure loans. The loan has insurance facilities. There comes to subsidy schemes, there are some discount coupons and cards few systems within it that we get less and less of as we take them. The important thing to remember is that proper financial planning is a path to prosperity. That's what Normaly says. Start using True Balance. Take out a loan from the app. The video winds up, saying only, "Get your things done." Instant loan apps are not a big they are very useful in our lives. So, if you don't know anything about them, friends, give me a video. If you are watching this video for the first time, don't forget to subscribe to the channel and leave your comments and suggestions in the comment box. Like the video here. Tomorrow Like the video here. Tomorrow Kaaba