You need to visit the FreeCharge EMI section on the latest android app and:
1) Enter your personal info.
2) Enter Bank details where you want to take money
3) Set up Auto EMI Repayment
4) Upload Identity and Address proof documents

Eligibility Criteria:
1) Must be Indian with a valid permanent account number (PAN)
2) Age 22-55
3) ID proof – Aadhaar, Driving License or Passport Proof
4) Current Address proof – Aadhaar, Utility bills (Electricity/Gas bill), Telephone Postpaid, Internet connection or Rental Agreement