India's only loan protection program that actively monitors your EMI health and steps in before you miss a payment. ARIA watches your loan so you don't have to.
Most borrowers don't know they're about to become an NPA until it's too late. By the time the bank flags you, the damage is done — credit score crashes, future loans become impossible, and legal action begins.
Equity Shield is the only product in India that actively prevents this — not fixes it after the fact.
🛡️ Equity Shield prevents all of this — by stepping in 30 days before any of it starts.
Take any loan — personal, home, or business — through FLOCRED. Equity Shield is automatically available.
ARIA checks your EMI-to-income ratio, payment history, and financial signals every 30 days. Silently. In the background.
If ARIA detects risk, she sends you a WhatsApp alert 30 days before your EMI is in danger. Options explained clearly.
FLOCRED's team contacts your lender immediately — restructuring, moratorium, or rate revision. Your CIBIL stays clean.
Free for all loans sourced through FLOCRED. Our team will contact you within 24 hours.
Free · No paperwork · Response within 24 hours
Yes, completely free for all loans sourced through FLOCRED. There is no monthly fee, no enrolment fee, and no hidden charges. FLOCRED's business model is commission from lenders — your protection costs you nothing.
Equity Shield's full monitoring is available for FLOCRED-sourced loans. If you have an existing loan elsewhere, our team can still help with restructuring advice and lender negotiations as a paid service. Contact us to discuss.
ARIA uses the profile information you shared at loan origination — income, employment, existing EMIs — and cross-references it with your self-reported updates. She doesn't access your bank account directly. The monitoring is based on your financial profile and payment pattern signals.
An account is classified as a Non-Performing Asset (NPA) when EMI payments are overdue for 90+ days. Equity Shield's early warning triggers at 30 days of risk detection — well before the 90-day NPA threshold.