Introduction
Unexpected expenses can arise at any moment, and finding 20,000 rupees urgently without a salary can seem daunting. But don’t worry—there are multiple ways to secure quick cash legally and safely. Whether it’s through short-term loans, side hustles, or selling unused items, you have options. Let’s explore the best ways to get 20,000 rupees fast!
1. Borrowing Money from Friends and Family
Why This Works
- No interest rates
- Flexible repayment terms
- Instant availability
How to Approach It
- Be honest about your situation
- Clearly outline repayment terms
- Offer a small token of appreciation
2. Taking a Personal Loan from a Loan App
Best Loan Apps for Quick Cash
- KreditBee
- mPokket
- MoneyTap
- Navi Loan App
Things to Keep in Mind
- Check the interest rates
- Read the terms and conditions
- Ensure timely repayment to avoid penalties
3. Using a Credit Card Cash Advance
How It Works
- Withdraw cash directly from your credit card
- Instant availability at ATMs
Pros & Cons
✅ Quick cash access
✅ No documentation required
❌ High-interest rates
❌ Additional withdrawal fees
4. Selling Unused Items Online
Platforms to Sell On
- OLX
- Facebook Marketplace
- Quikr
Best Items to Sell
- Old smartphones
- Electronics
- Furniture
- Branded clothes
5. Freelancing or Gig Work
Best Platforms to Get Work Fast
- Fiverr
- Upwork
- Freelancer
- PeoplePerHour
Popular Services to Offer
- Graphic design
- Writing & proofreading
- Data entry
- Virtual assistance
6. Pawn or Sell Gold and Jewelry
Where to Sell/Pawn Gold?
- Local jewelers
- Pawn shops
- Online gold buyers
Things to Remember
- Compare multiple buyers for the best rate
- Ensure proper documentation
- Only sell if absolutely necessary
7. Rent Out a Spare Room or Property
Where to List?
- Airbnb
- OYO Life
- Local classified ads
How Much Can You Earn?
- Depending on location, you could earn 5,000-15,000 rupees instantly as an advance payment
8. Drive for Ride-Sharing Apps
Apps to Register On
- Uber
- Ola
- Rapido (for bike rides)
Earnings Per Day
- Can earn between 1,000-3,000 rupees daily
9. Participate in Online Surveys and Tasks
Best Websites to Use
- Swagbucks
- Toluna
- Google Opinion Rewards
How Much Can You Earn?
- 200-1,000 rupees per day
10. Offer Tutoring Services
Platforms to Teach On
- Vedantu
- Chegg
- UrbanPro
Subjects in Demand
- Mathematics
- Science
- English
- Computer skills
11. Rent Out Your Bike or Car
Best Platforms to Rent Vehicles
- Drivezy
- Zoomcar
- Bounce
12. Doing Odd Jobs Locally
Examples of Quick Jobs
- Babysitting
- Pet walking
- House cleaning
- Gardening
13. Crowdfunding or Asking for Help
Where to Raise Money?
- Ketto
- GoFundMe
- ImpactGuru
14. Cashing in Investments
- Withdraw from fixed deposits (FDs)
- Redeem mutual funds
- Liquidate stocks
15. Government Assistance or Schemes
- PM Jan Dhan Yojana (for emergency funds)
- MUDRA loans (for small business loans)
- State welfare programs
Conclusion
Getting 20,000 rupees urgently without a salary is challenging but not impossible. You can use quick loan apps, sell items, take up short-term gigs, or even borrow from friends. Choose the safest and most suitable method for your needs and ensure that any borrowed money is repaid responsibly. Emergencies happen, but smart financial planning can help you stay prepared.
FAQs
1. Can I get a 20,000 rupee loan without a salary slip?
Yes, many instant loan apps like KreditBee and MoneyTap offer loans without salary slips but require other financial proof like bank statements.
2. What is the fastest way to get 20,000 rupees?
The quickest way is through a credit card cash advance or selling high-value items online.
3. Are there any government schemes that can help?
Yes, schemes like PM Jan Dhan Yojana and MUDRA loans may provide financial assistance.
4. Can I borrow from a bank without proof of income?
It’s difficult, but some banks may offer secured loans against collateral like gold or FDs.
5. How can I make 20,000 rupees legally in a day?
Freelancing, selling gold, or renting out a vehicle/property can help you reach this goal quickly.