EmiGrow connects you with government-licensed recruitment companies. You pay nothing to EmiGrow. You meet only verified employers. And when you are selected, EmiGrow’s NBFC partner provides the loan to cover your pre-departure costs — paid to you when you collect your documents, repaid from your Gulf salary at fair rates.
Complete your registration with Aadhaar, passport (if held), and trade skill details. Create a 60–90 second video showing your work and skills — your application to every licensed RA on EmiGrow looking for workers like you.
Government-licensed Recruiting Agents discover your profile on the EmiGrow platform. These are companies registered under the Emigration Act with the Ministry of External Affairs. Their licence numbers and PoE permissions are visible on every job they offer.
If an RA wants to interview you for a specific Gulf job, EmiGrow arranges the interview at their office. Your travel and food allowance is paid for through EmiGrow. You pay nothing for the interview.
If selected by the RA and the Gulf employer, you receive a verified job offer with full salary, contract terms, and employer details. You decide whether to accept.
If you accept the offer, you apply for Migration Finance through the EmiGrow app. The NBFC partner reviews your application based on your confirmed job offer and standard underwriting. Approval typically comes within 24–48 hours, with full disclosure of interest rate, EMI, total cost, and repayment schedule. The loan is approved and reserved in your name, but funds are not yet disbursed.
When the RA notifies you to come collect your departure documents (visa-stamped passport, contract, ticket), you visit the RA’s office. At that moment, the NBFC disburses the loan directly to your bank account. You pay the RA’s service charge from these funds, collect your documents, and use the remaining amount for final passport-related fees, new clothes and suitcase, and cash to carry for your first weeks in the Gulf.
Your visa, your contract, your protections — all handled through government-approved channels by the licensed RA. You repay the Migration Finance loan over 9–12 months from your Gulf salary at fair regulated rates.
EmiGrow’s Migration Finance is structured so the loan amount reaches your bank account at the exact moment you need it — when you are at the RA’s office collecting your documents and about to pay the service charge.
Disbursement happens hours before you pay the RA, not weeks before, so you don’t face the social and family pressures that can come when money sits in a bank account.
Interest does not accrue during the weeks of visa processing. Repayment timing matches your earning timing in the Gulf.
Zero rupees to EmiGrow. Fair, regulated financing for the migration costs. EmiGrow does not charge workers any fee for using the platform — not for registration, video profiles, interviews, or platform services. The only payments involved in your migration are:
If anyone — sub-agent, individual recruiter, intermediary — asks you for money outside this transparent structure, do not pay. Report it to grievance@emigrow.in.
Yes. EmiGrow earns from licensed RAs and from BC commission paid by the NBFC partner. You never pay EmiGrow directly. The Migration Finance loan is a separate regulated lending product from an NBFC, not a fee paid to EmiGrow.
Every job on EmiGrow is from a government-licensed RA with a valid PoE Interview Permission for that specific employer. Sub-agents typically operate without licences and may offer jobs that do not actually exist.
Up to ₹50,000, depending on your specific job offer and circumstances. The loan covers the RA service charge plus your passport, medical, and personal pre-departure expenses.
The loan is approved on the basis of your confirmed job offer (usually 24–48 hours after you apply). The actual disbursement happens only when the RA calls you to collect your departure documents, so funds reach you at the exact moment you need them.
The Migration Finance loan obligations continue, but the NBFC partner has structured hardship procedures including restructuring, extended tenure, and reduced EMI. Grievance and hardship channels are available to support workers facing genuine difficulty.