Chota Mota is a free Android application designed to provide users with a straightforward way to borrow cash for everyday expenses. Available in select cities in India, this app allows users to apply for loans ranging from ₹1,000 to ₹10,000 based on their repayment history. The application process is simple, requiring users to submit identification and bank details to receive funds directly in their account within a week. Repayment can be made at any time before the due date, and users can choose to pay in full or in installments.

The app emphasizes a stress-free borrowing experience, with no collateral or CIBIL scores needed for approval. It offers flexibility in borrowing, allowing for repeat loans without limits, and rewards timely repayments by increasing the credit limit. Currently, the app supports multiple languages including Hindi, Marathi, and English, with plans for more languages in the future.