Sutras

Following is the list of questions that people have about MoneyView. Hopefully you can find your question too in the list.

How Do I Manage My Cash Withdrawals/Cash In Hand?
For cash transactions, use the cash management feature (main menu from the top left top corner and select cash).You can add a cash transaction by selecting the + sign in blue at the bottom of the app. You can select the ‘income’ option (radio button) from cash management to indicate incoming cash.
For ATM withdrawals, the app should pick up the transaction from the SMS message. Now when you spend this cash, you can assign your spend from cash management again but this time select ‘spend’.

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Is my information safe with MoneyView?
MoneyView takes user privacy or security very seriously and have built multiple layers of privacy or security protection:
The app never gets access to sensitive information that can access your account – MoneyView only get partial account numbers as sent by banks in the SMS (never full acct #s), don’t read OTP and never have access to your banking login details.
Data is encrypted, and for your eyes only.
Option for users to add a PIN on the app for added protection.

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How Can I Change My Billing Cycle For Credit Card/Other Bills?
To change the billing cycle for your credit card/other bills, please go to the Main Menu (top left corner) from the home screen, select Bills, and select Bill Settings (top right corner), select the credit card/bill that you want to change the billing cycle for. In the edit biller screen you will see the billing cycle.

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My SMS Is Not Getting Processed By The App. What Should I Do?
You can send an email at feedback@moneyview.in.

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How To Manually Add A Transaction?
You can manually add a transaction in your account. Click on the blue ‘+’ sign at the bottom of the main screen, select the account you want to add the transaction to and then enter the details. You can set it to be credit, debit, or a refund transaction.

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How To Perform A Complete Backup And Restore?
To perform a backup: Go to the Main Menu (from the top left corner), go to Settings, and then go to Backup Now, enter the PIN (this is the same PIN used to access the app), you will see the cloud backup instructions (please read through them). Click ‘Confirm’.
Please go to the Main Menu now and scroll all the way to the bottom and make sure that the backup was done ( it should give you the date). This back is saved to the cloud now.
To perform a restore: Install the app from the Play Store.
Select ‘Restore from Backup’ (the option in blue), enter the email id and passcode/PIN and hit restore. The app will start restoring from backup. The old backup data will be loaded. Please ensure all your data is loaded.

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How To Create A New Biller?
Navigate to Bills from the Main Menu, and please select the big purple ‘+’ sign at the bottom to add a new biller. Select ‘Bill Type’ and click OK. Select a biller and enter all the details and save the changes.

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How To Create A New Bank Account?
Please go to the Main Menu (top left corner) and select Accounts. Click on the ‘+’ sign at the bottom right corner and add the bank. Enter the details, save the changes made. You can also add a debit card from here if you wish.

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How Can I Add A New Biller/Bank That Is Not Listed In The List Provided In The App?
You can send a email at feedback@moneyview.in
if you would like to add banks that are not supported in the app.

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Is This App Not Available In India, I Just Relocated To India?
Please check your gmail settings and ensure it’s set for India. This app is available in India on Android mobile phones (version 4.0 and up).
Sometimes, Gmail may still treat the account as an outside account if it was opened outside India. In that case, you need to create another gmail account in India, and use that account on the Play Store to download the app. Once the app is downloaded you can use your old gmail as the account id at the time of registration.

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How To Delete A Bank Account?
For system generated accounts: MoneyView has the provision for you to hide accounts and its corresponding transactions. Hide account is similar to delete account, with the exception you still have the option to access the hidden account in case you want to do so later.
To hide accounts, go to Accounts (top right corner, rupee icon), Account Settings (top right corner, settings icon), select the account you would like to hide and select the option to ‘hide account and transactions’. For manually created accounts: You can delete the account.

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How To Edit And Delete Manually Created Categories?
To edit categories that you have created, select the category and at the bottom you should see ‘Edit selected category’ and then select ‘Pick color’ at the top right corner.
To delete category, keep the category pressed down and the trash bin should appear to delete the category. Go to ‘More Categories’ and then select the category to delete. It’s a little cumbersome at this time and MoneyView is working on this to make a better process for the users to delete.

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How To Reset The App And Start Afresh?
If you would like to start fresh on the app, please uninstall or reinstall the app. When reinstalling select ‘Create New Account’ in blue and select your existing email account (the one used to create the account). Your old backup (data) will not be loaded.
Alternatively, you could also pick a new email id and start fresh on the app.
But in either case, you will also have to delete all the old SMS messages otherwise all transactional messages will be scanned and reflected in the app again.

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How will I contact MoneyView Customer Service?
You can call 080 4569 2002 or send an email to loans@moneyview.in

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Following is the list of questions that people have about Credy. Hopefully you can find your question too in the list.

What is the eligibility for a loan?
Following is the eligibility criteria:
• Salaried employee with a monthly salary of at least Rs. 20,000
• Receiving salary credits to the bank account.
• Applying from Bangalore, Chennai, Pune, Mumbai or Hyderabad.

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I am not a salaried employee. Can I still apply for a loan?
We currently do not give loans to non-salaried applicants. However, you can ask a close acquaintance who is salaried to take a loan on their name.

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What is the loan amount I am eligible for?
We give loans upto ₹ 1 lakh. The sanctioned loan amount depends on your financial and credit history information.

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Which cities are you operational in?
For personal loans, we are currently operational in Bangalore, Chennai, Pune, Mumbai, and Hyderabad.

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What are the steps involved to get a loan?
The steps involved are:

1. Loan application.
2. Upload bank statements or link net banking.
3. KYC verification at the residence.
4. Loan disbursal.

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How much time does it take to get money in the account?
Loan sanction is instant on the website or app. After that we verify the information from submitted documents. Once approved, money is disbursed in 48 working hours.

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I recently changed my job, can I apply?
You need to receive at least one salary credit from the new company. Along with that, we would see past salary credits and new payslip.

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What documents do I need to provide?
You need to provide the last 6 month statement of your salary account. Payslips, rent agreement and closure certificate of previous loans may be asked by the credit officer on a case-by-case basis.

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What are the repayment options? Is there an auto-debit feature?
You can pay your EMI via our payment gateway. Click here to pay your EMI now. You can get off upto ₹25 for payments done before the due date. We collect NACH slips from borrowers, once that is approved, the EMI would be auto debited from your bank account on the EMI date.

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What happens if I am late on payment?
Late payments are taken seriously. We will send reminders before the EMI date so that you don’t miss out on payment. If auto-debit is dishonored due to insufficient funds, we will send a notice to settle the payment immediately. We will call, visit the residence and if even after repeated reminders, the payment is not made, we will take further legal action.

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What are the minimum and maximum loan payment duration?
Minimum loan repayment duration is 3 months and maximum loan repayment duration currently is 12 months.

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Can I change EMI dates for when the loan amount has been disbursed?
Due on change in salary dates, EMI dates can be shifted by upto 3 days. You can send a mail to loanofficer@credy.in requesting a change in EMI dates with reason.

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I want to share Credy with friends. Is there a referral bonus?
Yes, you can earn upto ₹250 for every successful referral.

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How do I talk to someone on the phone?
You can call Credy at 080 4680 5616. You can also send an email at support@credy.in

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The SnapMint FAQs are simple and provide access to the most commonly asked “help” topics.
Below are the answers to the questions frequently asked about SnapMint.

What is SnapMint?
SnapMint is an Online Shopping destination. SnapMint made it possible for customers to buy on EMI installments without credit cards. Shoppers buy Mobiles, Electronics, Appliances and various other items using our simple 5-minute Online process. Most products on SnapMint are available at No-cost EMIs for 3-month plans. Many products are also available for a down payment of Rs 99 only.

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What documents do I need to shop on SnapMint with EMI?
All you need is your PAN card number and Aadhar card information to start shopping on SnapMint. Proof of income for which you can use Net Banking. This can also be provided by uploading your Bank Statements for the last 3 months in PDF format. All documents are submitted online, straight from your smartphone.

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What products can I buy from SnapMint?
You can buy Mobiles, Laptops, Electronics, TVs, Home Appliances, Furniture and more from SnapMint. You can also purchase vouchers for shopping from Amazon, Flipkart, Jabong & Lifestyle.

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What EMI plans does SnapMint offer?
We offer 3, 6 and 9 month EMI plans for shopping. And there are no hidden charges.

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Do I need a Cibil Score / Credit Card / Debit Card to shop at SnapMint?
No, you don’t need a Cibil Score, Credit Card or Debit Card. Just your PAN card number, Aadhar card and Income Proof to shop on SnapMint and pay with EMIs.

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How long does EMI shopping on SnapMint take?
If you have all your documents ready, the entire shopping process will take just 5 minutes from your smartphone. Approval for your EMI plan after submitting documents is immediate.

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How do I repay my monthly EMIs?
As a part of your EMI application, you need to submit your bank details to create your NACH/ECS mandate. By virtue of the NACH mandate, your bank will auto-debit your EMI and remit the same to us.

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What is unique about EMI shopping on SnapMint?
It’s instant. You don’t have to wait for days to know if your EMI application has been approved. You don’t need a credit card or previous credit history. SnapMint offers flexible EMI options. You will not incur any hidden charges.

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What are the interest rates associated with SnapMint?
SnapMint offers no cost EMI to consumers. The promotional offers are provided by our merchant partners. The availability of no cost EMI may not be available for all tenures. You will be able to view your EMI plans once you register with SnapMint.

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What are other fees and charges associated with SnapMint?
SnapMint may sometimes charge you a processing fee. This again varies from merchant to merchant and product to product. However, such fees are displayed when you choose a payment plan. There are no hidden charges associated with SnapMint EMIs. Delivering transparent and fair financing option is one of SnapMint founding principles.

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How do I submit my NACH mandate to you?
Once you make the down payment, you will receive a copy of your NACH mandate via email which you need to sign and upload it. Following options are available for you to provide with an NACH mandate:
Option 1- Take a clear print out and scan/take a picture of the document and email it at care@snapmint.com or WhatsApp. Do not use flash. The documents is auto read so ensure a clear scan/ picture
Option 2 – Arrange for a pickup in next 24-48 hours from your residence. This facility is currently available only in Mumbai, Delhi NCR, Bangalore, Pune, Surat, Vadodara, Ahmedabad.

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What is your down payment refund policy?
In case due to any circumstances, SnapMint is unable to process your EMI application, your down payment will be refunded in full including any processing fees. The refund will be reflected in your account within 5-7 working days.

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What is Perfios ?
Perfios is a partner to over 50 banks for securely accessing your bank statements. Neither Perfios nor SnapMint store your credentials.

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I am unable to upload the bank statements on Perfios What should i do?
In case you are having difficulties uploading your bank statements on Perfios, please email your bank statement on care@snapmint.com. Your approval in this case may take 1 working day.

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How to use vouchers to buy on websites?
Open the email received on the registered email id from care@snapmint.com with below subject: Voucher link for your purchase with SnapMint
Click on the avail voucher button. You will be redirected to you a page with the message below :
You will receive your voucher in your mailbox from Amazon/Flipkart in 30mins.
At the time of purchase, go to the website, apply this code on the payment gateway in the gift card section.
Flipkart Payment Page: “Payment Options” & Click on “Gift Card” & Apply Coupon Code
Amazon payment page: “Select a payment method” & “Gift Cards, Vouchers & Promotional Codes”
Please Note : Do Not Double Click on Avail Voucher button.
After 30mins in case you couldn’t find the mail please search by the word “Woohoo”.(Amazon Voucher) & “Gift Card” (Flipkart Voucher)

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KrazyBee FAQs are bold, functional and simple in approach.
Here are some of the frequently asked questions about KrazyBee.

What is KrazyBee?
KrazyBee is a platform that helps college students in some cities in India to purchase anything online via a flexible monthly payment plan. Currently, the students do not have any convenient option to independently make a purchase on installments.

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Who can use KrazyBee?
Any college going student above the age of 18 from one of KrazyBee listed colleges can make a purchase from KrazyBee.

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In which cities are KrazyBee EMIs available?
KrazyBee has offices in Bangalore, Pune, Mumbai, Hyderabad, Mysore and Vellore.

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How do I know whether my college is listed with KrazyBee or not?
During the creation of your profile, you can check if your college is listed or not.

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What if my college is not partnered with KrazyBee?
You may contact KrazyBee in that case, and will help you get your college registered with us at the earliest.

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How can I avail my KrazyBee loan?
The stepwise process is as below:

1. Register yourself on the KrazyBee website.
2. Complete your profile by filling in additional details about yourself.
3. Upload your KYC documents.
4. Place your order.
5. Wait for your profile to be verified based on the information that you have provided in step #2 and #3. The verification process involves a Physical Verification by your Campus Manager as well as getting a call from the verification team about your details. This takes anything between 24 and 72 hrs.
6. Once your profile verification is done and approved by the team and system, your order will be approved and you can make the downpayment of your order.
7. Once the down payment has been received, your order will be processed within 24-48 hrs and you will get an intimation of your product purchase on your phone and email.
8. If it is a PayTM purchase, your order amount will be directly transferred to your wallet linked to your registered mobile number.
9. Before the delivery of your product, you will be asked to sign a Loan Facility Agreement which indicates that a credit line has been extended to you.
10. You can now enjoy your product and make your EMI payments on time to avail enhanced credit limit and lower interest rates on subsequent purchase.
11. For subsequent orders approval, verification is not done, rather it depends on payment history as well as your credit available in your account.

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How do I register myself?
Browser App: You can register into our website by clicking on the “REGISTER” link in the top right corner. You will be asked for your name, mobile number and email. A one time password (OTP) will be sent to your registered mobile number which needs to be entered along with the password to complete the registration process.
Android App: Alternately, you can go to https://play.google.com/store/apps/details?id=com.krazybee.customer to install the KrazyBee android app. Once installed, click on the Menu icon and click on the “Register” link. Fill the details on the page and click on the REGISTER button.

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How do I complete my profile?
Browser App: Once you have logged in, hover over your name to get a menu. Click on My Profile option to go to the required page. Complete the 4 tabs – Personal, College, Address and Reference to complete your profile.
Android App: Once you have logged in, click on the Menu icon and then click on the Profile link. You will be directed to an app screen which questions about yourself. Complete the questions on each page and click on the Next button till you get to the last page. Click on the Finish button and your profile should be saved in our system.

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What are the KYC documents that you can submit?
KrazyBee needs scanned copies of 2 types of documents:

1. ID Proof: College ID card (front and back)
2. Address Proof: Aadhaar Card, Voter’s ID card, Passport or Driving License (front and back) Along with this, upload your selfie too. Please note that you need to scan the originals and not photocopies for the verification process.

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I do not have my college ID. What should I do?
If you do not have your college ID card, you need to upload your latest marks card and your latest fees paid receipt or your bonafide certificate from the college.

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How do I place my orders?
You can place orders in 2 ways:
(a) Browse through our catalog of products on your browser or your app and order the product like in any ecommerce store.
(b) Browser through your favorite ecommerce store and use that to buy products on the KrazyBee website.

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I get an error – “Oops! EMI option is not available for this product”. What to do?
You need to order a product whose value is more than Rs. 1499 and less than Rs. 99999. Any product whose cost is less than that will get this error message.

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Who is a Campus Manager?
Campus Manager is a student from your college who works part time for KrazyBee. He is your best friend in answering all your questions and quell any apprehension that you may have about taking the loan. In addition, the Campus Manager will get in touch with you for doing your Physical Verification or signing of your documents.

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Why do you perform a physical verification?
Physical verification is performed to make sure that you are a student from your college, and a citizen of India.

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What are the basic documents I need to provide to perform my physical verification?
The documents that you have uploaded as a part of your KYC document submission needs to be physically verified.
They are:

1. ID Proof: College ID card (front and back)
2. Address Proof: Aadhaar Card, Voter’s ID card, Passport or Driving License (front and back)
   Please note that the originals need to be verified and not xerox copies. Do carry the originals with you for physical verification.

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What if the product received is damaged / non functional?
Issue should be reported to the Customer support team within 48 hours of delivery of the product, upon successful verification of the issue returns / replacement will be initiated on the partner’s website. However, if the issue is reported after 48 hours, please get in touch with the partner’s website directly. After the replacement time in the partner’s website (usually 8-10 days), you need to get to the brand’s service center to get the issue rectified as the product will be under warranty.

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How can I track my product?
If the order is placed from Flipkart, Amazon, Snapdeal, PayTM, the tracking details will be available in my orders once the order is shipped, for other websites the expected timeline will be available in order comments.

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When will I get my Amazon gift card(s)?
Amazon gift cards will be sent on the same day for all the orders which are paid till 3:30PM (Monday to Friday). Orders paid after 3:30PM will get the gift cards on the next working day by 1:00PM. Orders paid after 3:30PM on Friday will get the gift cards by Monday 1:00PM. For other websites gift cards will be sent within 24 hours after down payment is received (Except Sunday).

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What are the payments options available?
You can use any of these options across the 2 payment gateways available in the website:
Razor Pay: Debit Card, Net Banking or Wallets like PayU Money, Freecharge, Airtel Money, Ola Money and Oxigen wallet.
PayU: Debit Card, Net Banking, UPI or Wallets like PayU Money, Freecharge, Airtel Money, Ola Money, Oxigen wallet, Payzapp and MobiKwik.

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What is the maximum transaction limit of PayTM wallet recharge?
You can use a maximum of Rs. 2000 in a month.

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What are the different EMI plans you have?
There are 4 EMI plans that are available currently, i.e. 3-months, 6-months, 9-months and 12-months.

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How do I get to know my monthly payment value & schedule?
While choosing your purchase, you are given an option to choose your monthly payment plan (EMI value and number of months). The due date for the EMIs for orders from now on is 5th of every month. However, some of your older orders may have different EMI dates. To get the EMI payment information for each order in the website, hover on your profile pic and click on the Installments section. You should see all the orders for which your EMIs are pending. Click on any of the orders to get to know the details on your installment summary. In the Android App, click on the “Orders” section from the menu and then click on the specific order row to know more about your EMI details.

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Money got deducted from my account but it does not reflect on the system. Why?
There can be times because of network issues or issues from the payment gateway side that the money gets debited from your account but it does not get accepted by the payment gateway. In that case, you should get your money back within 7 working days. If you do not still get your money back to your account, get in touch via email at info@krazybee.com with screenshots to help you.

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I am trying hard to make the payment but it has been failing. Why?
There can be times because of network issues or issues from the payment gateway side that the payment does not go through. In that case, select the secondary payment gateway and try again. You can also try using another mode instead of the debit card/netbanking like wallets which has a higher probability of success than the bank payment gateways.

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How do I get a confirmation about the payment(s) I make each month?
You shall get an SMS on your registered mobile number as soon as you make the payment and the same shall reflect in your registered account as well. You may contact KrazyBee in case you do not receive the same within 24 hours.

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What if I delay my payment(s)?
You shall have to pay a penalty of Rs. 10 for each day’s delay.

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How do I reach out to you in case of any doubts or queries?
The easiest way is to chat on the website or the app. You can also send an email to info@krazybee.com to get detailed information. You can also get in touch over the phone on 080-44292222. Finally, if you need any one to help you out personally, you can always reach out to the KrazyBee Campus Manager within your college to know more. Their details will be available to you by hovering on your profile pic and clicking on the “”Loan Facility”” tab. Please note that this feature is not available on the Android App and is available only after you complete your profile.

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Hope you find answers to your questions from the above.

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PaySense FAQs are well-organized, categorized and directly accessible for you.
Here are some of the frequently asked questions about PaySense.

I am unable to receive OTP on my Mobile to sign my loan application form?
Ensure that the number used by you on the application is linked to your Aadhar to receive the OTP. If it is not linked, you will have to opt out of the Instant loan process and go through the normal Process by clicking on the option ‘Send me documents via courier’. Under the courier process, your application will be processed in 3 to 4 working days.

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What documents do I need for an instant loan?
You need to submit your Aadhar Card, e-bank statement, selfie, current address proof for approval. In certain cases for additional verification, the team would require your salary slips too. You will be intimated about the same via email and also on the App.

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What is the list of Address Proof documents PaySense requires?
The following documents as valid proof of address:
Aadhaar front + Aadhaar back
Passport Front + Passport Back
Voter ID Front + Voter ID Back
Rent Agreement + Landlords Electricity Bill
Mobile Postpaid Bill (not more than 3 months old)
Last 3 months bank E-Statements
Landline Bill (not more than 3 months old)
Gas bill (not more than 3 months old)
Water bill (not more than 3 months old)
Passbook (first page) + Latest Transactions in Passbook
Electricity Bill (not more than 3 months old)

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When will money get disbursed?
After receiving the hard copy documents from your end, PaySense will do a manual verification of the details submitted by you. The whole process will take around 3-4 working days to disburse the amount. If you still have not received any communication you reach on the app (Help center) or via support@gopaysense.com.

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Why is the amount on my NACH higher than my loan amount?
With PaySense you can take multiple loans with only 1 approval. The amount on the NACH is your maximum approved amount so that you can take multiple loans without having to do paperwork every time.

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My Documents are collected but status is not updated yet. Why?
If you have signed and submitted all the documents to the courier and still there is no status changed in the app after 48 hours of submission. There might be chances some documents are incorrect or incomplete, the courier will contact you again for the same. If you still have not received any communication you reach on the app (Help center) or via support@gopaysense.com.

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What is Partial month interest (Pre-EMI)?
Let’s assume the EMI date is on the 5th of the month. If your loan is disbursed on 26th May, then it would be unfair to start your EMI payments on 5th June. Instead, the first EMI was made on 5th July. However, the funds are available to you for an extra 11 days (26th May to 5th June), the interest for these extra days is called Partial month interest.

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How do I know my loan disbursal status?
After you sign your loan agreement, the loan amount will be disbursed to your bank account after verification of the details submitted by you. You will be notified about your loan disbursal through SMS, email and App.

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How can I change my loan amount?
You can only change your loan amount if you have not submitted your loan application yet. On the loan application summary screen, you will be able to see your selected EMI plan. Just click on the ‘Edit’ beside it to select a new plan.

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Why was my application declined?
The Loan Application to PaySense can be declined for a variety of reasons. Some of the major areas that PaySense check are:
Monthly capacity for repayments
Current obligations in terms of other loans or expenses
Credit History
Valid Loan Documents
Valid Employment and Salary Details
There are thousands of other parameters that are taken into consideration while calculating the eligibility. If unable to successfully establish the eligibility for a customer, they will be declined for a period of 60 days after which they may reapply again.

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How to make EMI payment?
During loan application, you sign on Auto debit form (NACH) which allows PaySense to deduct EMIs directly from your bank account. The form has to be approved by your bank before the money from your account.
Depending on your NACH status, you can pay your EMI by one of the following methods :
NACH Active: If your bank has approved the NACH, EMI amount gets deducted from your bank account on EMI due date. You should keep sufficient balance in your registered bank account for the EMI payment from a day prior to the EMI due date, to avoid late payment and penal charges.
NACH In Process or Rejected: If your NACH status is in process or rejected, you can make the payment through the payment gateway.
You can tap the ‘Pay Now’ button on PaySense App or can directly go to http://www.gopaysense.com/pay to see your due amount and make the payment. You can make the payment using a debit card or net banking. There will be an extra payment gateway charge for using gateway services by PayU.
Once the payment has been made, it will take 4-5 working days to settle your payment against your loan.

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My Payment status is not updated. Why?
It takes 3-5 working days to settle your EMI payments against your loan. This happens because it takes time for your money to reach our account after the payment is made.

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How can I fully repay(foreclose) my loan?
Due to the payments cycle, PaySense has stopped taking foreclosure requests. To foreclose the loan, minimum 6 EMI should be paid and updated in the App.

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What happens if I pay late? How do timely payments help?
You have to pay Late Payment Charges and Penal Charges if you pay late:
Late Payment Charges: You will be charged a late payment charge of Rs 500 + 18% GST = Rs. 590 if you do not pay your EMI on time.
The charge is applicable in following cases:

1. Your EMI is not cleared through NACH auto-debit because you did not have sufficient money in your bank account
2. You do not pay the EMI through PaySense App or website on time.
   Penal Charges: You will be charged a penalty interest on the overdue amount if you pay late. This penalty amount increases every day.
   If you pay very late, you will not be able to apply for another loan with PaySense.
   Late payments are also reported to CIBIL, which lead to a decrease in your credit score and affect your ability to get loans with other banks and loan providers. On the other hand, making a payment on time improves your credit score and will allow you to apply for more loans.

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How will I contact PaySense Customer Service?
PaySense does not have any customer service number.
If you have a question about PaySense Customer Service or have an issue to report, you can send an email at support@gopaysense.com.
Address:
Jaivilla Dev Shakti
49 Tilak Road, Navyug Colony,
Santacruz West, Mumbai, 400054
Maharashtra, India

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Cashbean FAQs provides access to the most commonly questions asked.
Here are some of the frequently asked questions about Cashbean.

How does Cashbean work?
The process of getting credit through Cashbean is quick as the process is entirely online with no physical work. To get a loan through Cashbean, one needs to follow the following steps:
Checking eligibility: You need to create an account with Cashbean to get credit. Once you download the app, you will be required to give some permissions and basic information based on which the app will calculate your eligibility.
Filling details: After successfully checking the eligibility criterion, you will need to fill in all the necessary details to get the credit.
Providing bank details: You need to submit your bank accounts details for the disbursement of credit to your account.
Getting loan: The amount of credit will then be directly transferred to your bank accounts.

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What is Eligibility Criteria of Cashbean?
To apply for credit from the application, one needs to meet the minimal documents and eligibility criteria. Unlike any other loan, it does not require any credit history to avail of the loan.
Age of the borrower: Any Indian citizen who falls in the age bracket of 21 to 56 years can get the credit.
Loan Amount: It provides credit in the range of ₹ 1,500 to ₹ 60,000.
Tenure: The credit is provided for a tenure of 3 Months to 12 Months.
Income: To avail credit from Cashbean, a citizen must have a regular income of ₹ 15,000.
Credit score: Getting credit from Cashbean is easy as you don’t require any credit history to avail of the credit.

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What are the Documents required for Cashbean Personal Loan?
The disbursement of the loan is fast and requires a minimum of documents as compared to other loans. These are the documents that you need to submit for the loan.
Photo Identity proof: PAN Card.
Permanent address proof: Aadhar card / Voter card / Utility bill / Driving license or Passport.
Your selfie.
Latest salary slips.

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How do I repay my Cashbean loan?
The credit taken through Cashbean loan can be repaid through multiple modes like Debit card, UPI, Netbanking, and wallet.

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Is Cashbean a safe site?
The data shared by Cashbean is transferred to the lenders with the consent of borrowers over a secure connection.

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How can I get a salary in advance?
Cashbean provides salary advances to working professionals for overcoming any financial constraint. It offers advances with a limit of ₹ 1,500 to ₹ 60,000 at zero credit history.

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What happens if you don’t pay Cashbean?
When dues are not paid for more than 90 days. After this, the bank will have to issue you a ’60 day notice’ under SARFAESI Act. In this notice period, the loan defaulter can payback the dues and close the case. Issue Public Notice: In case of Auto loan, the collateral will be like car, bike etc.

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What is the interest rate of Cashbean?
Cashbean offers affordable and convenient personal loans to salaried employees at an attractive rate of 2.75%.

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How do I repay my Cashbean loan?
Register yourself on the app with basic details like your name, number, address and bank details. The app will then ask you to enter the loan amount and duration. The cash loan amount ranges from Rs. 1,500 to Rs. 60,000.

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How do I contact Cashbean Customer Service?
Cashbean has a dedicated customer care support line. If you are not satisfied with the services provided by the application, you can contact the customer support line.
You can either raise your concern or complaint on customer service email cashbean.help@pcfinancial.in or can directly reach out to Cashbean at 1800-5728-088.
You can also contact at the registered office address
Building RZ-2, Pole No-3, G/F,
Near HDFC Bank, Kapashera,
New Delhi-110037

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Hope this helps!
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The FAQs section of EarlySalary are functional, easy to skim through, and categorized for use.
Below are the answers to the questions frequently asked about EarlySalary.

What is the minimum Salary required to get Personal Loan?
Minimum salary of ₹20,000 per month is required to get a personal loan if you are a salaried professional and living in Tier 2 & Tier 3 cities, while ₹22,000 per month is required if living in Tier 1 cities.

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How to apply for Personal Loan?
Apply via any of the two ways to get a personal loan online:

1. Sign-up from EarlySalary website & complete the application. However, to transfer money to your bank account, please download the app.
2. Download the EarlySalary app from App/Play Store & complete your application.

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What are the documents required for Personal Loan?
As per the RBI guidelines below documents are accepted for personal loan:
PAN Card
KYC Document (any one of the following):
-Aadhaar Card
-Driving License
– Passport
– Voter’s ID
Selfie
Last 3 months’ Bank Statement for salary account
For few customers, we also ask for:
Last 3-months’ salary slips
Current Address Proof (any one of the following):
– Electricity bill
– Gas bill
– Postpaid phone bill
– Bank statement
– Employment letter

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What are the benefits of applying for a Laptop loan from EarlySalary?
Apply & instantly purchase your favorite laptop with EarlySalary with the following benefits:
– Instant loans up to ₹ 2 lakh
– Cash transfer to your bank account in minutes
– Flexible repayment tenure up to 12 months
– No prepayment charges, pay interest only on the amount used
– Advance salary loans at 24%-30% p.a. translating to 2% – 2.5% a month
Unlike standard loan procedures, instant cash loans from EarlySalary are approved and disbursed faster, with minimum hassle and paperwork, and with the least questions asked and zero human intervention.

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What is the minimum salary required to get an auto loan?
Minimum salary of ₹15,000 per month is required to get a Auto loan if you are a salaried professional and living in Tier 2 & Tier 3 cities, while ₹18,000 per month is required if you are living in Tier 1 cities.

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How can I buy an Air Conditioner on EMI?
You can avail an instant loan from EarlySalary to purchase an AC on easy EMIs. Unlike standard loan procedures, these loans are approved and disbursed faster, with minimum hassle and paperwork, and with no questions asked.
EarlySalary has a flexible repayment tenure of up to 12 months.
You can opt from the following tenure options to repay your loan.
1) 3 EMI
2) 6 EMI
3) 12 EMI

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What are the benefits of applying for an advance salary through EarlySalary?
One app which solves all your financial needs

1. Instant Salary Advance – Get salary advance up to ₹ 2,00,000 starting at just ₹ 9/day (for ₹ 10,000). Pay only for the no. of days you use the money. We do not charge for prepayment
2. Shop – Use your EarlySalary limit to shop at Amazon, Big Bazaar, Flipkart and pay in low cost 3/6 months EMIs
3. Travel Now Pay Later – Use your EarlySalary limit to book your travel on MakeMytrip and pay in low cost 3 EMIs & 6 EMIs
4. Education Fees on EMI – Pay your kids school fees or your skill upgradation fees on EMI. Enjoy 0 cost EMIs with Pearson, Topper, Extramarks, VLCC, Aptech and many more brands.

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How long will it take to get my two Wheeler Loan?
If you meet all our criteria then you will get to know your approval limit and will be able to get cash in your account in 10 minutes via our app.

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Can I apply for a loan for a wedding?
Yes, with EarlySalary instant cash loans you can plan your dream wedding. Wedding loans are approved and disbursed faster, with minimum hassle and paperwork, and with the least questions asked and zero human intervention. Eligibility for wedding loans depends on your employment, bureau score and payroll records.

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Can i avail Kitchen Appliances even with low Cibil Score?
Unlike traditional banks, EarlySalary uses thousands of new age data points to determine your eligibility to use our services through our proprietary Social Worth Score.
Using the Social Worth Score, we lend to those even without a credit score, or without a good credit score.

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Why is regular monitoring of Credit Score important?
Regularly checking your credit report helps you detect any errors that your report may have. Also, monitoring your credit score would help you track the changes to the score. All of us should try and build our credit score over time through responsible credit behavior, like ensuring we pay our EMIs and credit card outstanding in full before the due date.

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How will I contact EarlySalary Customer Service?
You can contact Customer care at 020 67639797 or send an email to care@earlysalary.com between Monday to Friday(9am-7pm)
and Saturday(10am-2PM)
Address:
EarlySalary
Office no. 404, The Chambers, (Samrat Chowk)
Clover Park, Near Ganpati Chowk,
Viman Nagar, Pune,
Maharashtra 411014.

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The FAQs section of CASHe is descriptive, scaled back and concise.
Below are the answers to the questions frequently asked about CASHe.

What loan products does CASHe offer?
CASHe offers loans ranging from Rs 9,000 to Rs 300,000 payable over a period of 62, 90, 180, 270 days and 1 year product.

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Who can apply for a loan with CASHe?
Any Indian citizen residing in India, above the age of 18, with a proof of current employment, earning a monthly salary of 15,000 and above, a bank account, a Facebook or Google or a LinkedIn account and valid identity and address proof can use the CASHe app to avail loans.

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Why are my social media accounts accessed?
CASHe is simply assisting Lender to try and get a picture of who you are using industry standard access levels in terms of your network, contacts and activity. Relax, because under no circumstances will your information be shared with third parties, nor will CASHe retrieve personal data without your consent. Please refer our Privacy Policy.

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How much cash can I borrow from CASHe?
With multiple loan options now available on tap, you can now opt to borrow personal loans starting as low as Rs 9,000 to a maximum of Rs 300,000 with a repayment period of 62, 90, 180, 270 and 1 year.

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What documents are required for applying for a Personal Loan from CASHe?
Just upload these 4 basic documents and you can get yourself credit approved with CASHe
Photo Identity Proof – PAN card
Latest salary slip
Aadhar Card
Permanent Address Proof – Any one (1): Passport/Driving License/Voter’s Identity Card or Utility Bills i.e. Electric/landline phone bill/ Gas Bill (not more than 2 months old) If Current Address is different from Permanent Address, then additionally: Utility Bill- Electric/landline phone bill/ Gas Bill of current address (not more than 2 months old), Leave & License Agreement/Rent Agreement
Latest statement of your Bank Account, showing your salary credit.
You need to upload your selfie as proof of your photograph.

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What are my eligibility criteria?
For 62 Day loans, you can avail loan amounts up to 60% of your net take home salary.
For the 90-day loan, you can avail a loan amount upto 110% of your net take home salary.
For the 180-day loan plan, you can avail loan amount up to 210% of your net take home salary.
For 270-Day loans, you can avail loan amounts up to 310% of your net take home salary.
For the 1 year loan plan, you can avail loan amount up to 400% of your net take home salary.

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My loan application didn’t get approved. Why?
If you haven’t uploaded the required documents, furnished false information, lack a job or the means to repay, or your profile does not include the qualities required of a user of CASHe app, or if unable to verify your information, your application could be rejected and the same shall be communicated to you. This isn’t a reflection on your credibility, it’s simply that your profile does not fit as per our algorithm. Better luck next time.

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Does CASHe charge any processing fee for the loans taken?
For 62 day loan product: A flat Rs.1000 or 3% on the loan amount whichever is higher as processing fees.
For 90 day loan product: A flat Rs.1000 or 3% on the loan amount whichever is higher as processing fees.
For 180 day plan:
A flat Rs.1000 or 3% on the loan amount whichever is higher as processing fees.
For 270 day plan:
A Rs.1000 or 3% on the loan amount whichever is higher as processing fees.
For 1 Year Plan :
A Rs.1000 or 3% of the principal amount whichever is higher as processing fees.

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What is your Rate of Interest on the loans I take?
The rate of interest of 62 Day is calculated 3% per month on loan amount.
For the 90-day loan, CASHe charges a flat 2.75% interest or per month. A 7-day interest-free grace period will be offered for repayment of your dues at the end of every paying month. However, any subsequent delays would incur a 3% flat interest fee (including the 7-day grace period) on subsequent weeks thereafter.
For the 180-day loan, CASHe charges a flat 3% interest / per month. A 7-day interest- free grace period will be offered for repayment of your dues at the end of every paying month.
For a 270-day loan the rate of Interest is 3% per Month on loan amount.
For 1 year the rate of Interest is 3% per Month on loan amount.

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How fast will I get my loan?
Your loan is generally transferred instantly as soon as all your documents are verified. In order to process your loan quickly, you can upload the necessary documents in the necessary formats and make sure they are clear and legible.

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How do I repay the Loan availed from CASHe?
CASHe accepts payments through NEFT/IMPS/UPI only.
Enter your CASHe CLN# as an account number in the field called Account number and choose Account name as Bhanix Finance and Investment Ltd. The IFSC code is KKBK0000958. Virtual payment address(VPA) ID for UPI repayments is cashe@kotak.
Please make sure that you enter the above information correctly while transferring funds. You can write to support@cashe.co.in if you need further assistance.

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Can I refer to my friends? What are my benefits?
The CASHeHi5 offer lets you refer to as many friends as you can provided they are salaried. Each successful referral gets you Rs 500 and your referred friend get a 50% off on the processing fee when they apply for a loan from CASHe.

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What is the CASHe Crown Rewards Program and how do I enroll myself with it?
The CASHe Crown Rewards Program awards you with an option to either lower your loan interest rates or increase the loan eligibility amount based on your loan repayment history with CASHe. These categories in this program namely;
CASHe Silver
CASHe Gold
CASHe Platinum
CASHe Diamond
CASHe Silver: You will be automatically slotted in CASHe Silver as a new registered customer. Based on your future loan repayments with CASHe, you will progress to the next categories subject to successful loan repayment amount that matches the minimum criteria set for each program.
CASHe Gold: You will be slotted in CASHe Gold with prompt repayment value of Rs. 3,00,000. CASHe Gold allows you to enjoy the following benefits regardless of the type of loan you have availed from CASHe.
Following are the loan-based interest charges for the CASHe Gold category.
Benefits you can enjoy
Interest rate reduced from 1.75% to 1.65
CASHe 90 – Interest rate reduced from 8.25% to 8.10%
CASHe 180 – Interest rate reduced from 18% to 17.70%
CASHe Platinum: You will be slotted in CASHe Platinum with prompt repayment value of Rs. 6,00,000. CASHe Platinum allows you to enjoy the following benefits regardless of the type of loan you have availed from CASHe. As a CASHe Platinum Customer, these are the benefits you can enjoy.
CASHe 90 – Interest rate reduced from 8.25% to 7.95%
CASHe 180 – Interest rate reduced from 18% to 17.40%
CASHe Diamond: You will be slotted in CASHe Diamond with prompt repayment value of Rs. 10,00,000. CASHe Diamond allows you to enjoy the following benefits regardless of the type of loan you have availed from CASHe. As a CASHe Diamond customer, these are the benefits you can enjoy.
CASHe 90 – Interest rate reduced from 8.25% to 7.65%
CASHe 180 – Interest rate reduced from 18% to 16.80%

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What is the CASHe EMI MCard?
The CASHe emi MCard is brought to you by CASHe and Mswipe, India’s leading mobile Point-of -Sale (POS) payment services provider. This co-branded pre-approved EMI card lets you shop for amounts up to Rs 10,000 on your purchases made at any merchant or online store which has a Mswipe terminal or is a registered Mswipe merchant.

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How does the CASHe EMI MCard work?
You can make multiple transactions in a day not exceeding Rs 10,000. All this transactions for the day will be converted into a single loan on which the equated monthly instalment-based repayment plan will be set by CASHe. There will be no transactional or processing fee on making the purchase for the cardholder. Once the purchase is made within the assigned credit limit, you can make the instalment payments directly to CASHe. You can further track the equated monthly instalment payment plan on the CASHe app itself.

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What is CASHe BuddyTransfer?
The CASHe BuddyTransfer is a unique feature where you can now authorize transfer of funds directly from your CASHe app to your friends or your family members in your phone contact list.

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How does CASHe BuddyTransfer work?
It’s simple. In order to transfer funds to your friends, you need to first select your desired loan product from the ‘Get CASHe’ screen. Once you have requested for a loan, you will then get an option to choose a transfer option where you have the choice to transfer the fund or your requested loan amount to a PayTM account or ‘Transfer to your friend’. Choose Transfer your friend option and select up to 5 people from your phone contact list to whom you wish to send the money. Choose the desired amount you wish to transfer to each of your contacts and confirm the details in the following screen. That’s it. Once you confirm, and your loan request is approved ,we will initiate the transfer on your behalf to the selected recipients.

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How many friends can I choose to transfer the money and how much can I transfer per to each of them?
You can choose up to 5 friends from your phone contact list and choose to send a maximum of Rs 2,000 per contact.

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Can I transfer the fund to a non-CASHe user?
Definitely. The money can be transferred to a CASHe or a non-CASHe user. If in case you have authorized to transfer money to a non-CASHe user, an intimation will be sent to the user through SMS informing him that you have initiated a fund transfer to him. This message will also have a link to download the CASHe app from the play store. Once he downloads the link and installs the CASHe app on his phone ,he can receive the money into his bank account.

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What if my friend doesn’t download the app to receive the money sent by me?
The money that you have authorized to transfer to your friend will have a 3-day waiting period in which he can download the app and complete the registration details to claim the money. If your friend fails to download the app or doesn’t complete the registration formalities, CASHe will inform you of an unsuccessful transfer and will send the money right back into your bank account.

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How will I contact CASHe Customer Service?
You can send an email at support@cashe.co.in

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The FAQs section of KreditBee is simple, scaled back, and concise.
Below are the answers to the questions frequently asked about KreditBee.

Who can apply for a loan in KreditBee?
Any Indian individual above the age of 21 years, who is salaried or has a monthly source of income may apply for a Personal Loan through the KreditBee Platform.

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What is the advantage of availing a personal loan through KreditBee over a personal directly from a bank?
It usually takes anywhere from 4 – 7 days to avail a Personal Loan from a bank, which also requires a lot of documentation and frequent visits to the branch office. However, the KreditBee Personal Loan process is entirely online, and it hardly takes 15 minutes for the entire process depending on your information. The amount is transferred directly to your bank account, available for use anytime and anywhere as per your convenience.

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Which locations can you apply for a loan through KreditBee?
KreditBee is a digital platform and is available across all cities in India.

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What are the documents I must use for the Personal Loan?
Each user who applies for a personal loan will be required to submit two kinds of document:
PAN: We collect your PAN details to check your Credit Score and other financial parameters;
Proof of Address and Identity: You may provide us with a copy of your Aadhaar or Masked e-Aadhaar or Passport or Voter ID.
Each user must mandatorily submit their PAN card along with one of the documents mentioned above as Identity and Address Proof. Please note that submission of Aadhaar is voluntary and you may submit any one of the other alternatives provided above.

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I do not have a Facebook or Google account, can i still use the KreditBee App?
No, a Facebook or Google account is mandatory for signing up on KreditBee.

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How long does it typically take for me to complete my profile on KreditBee and avail a Flexi or Personal Loan for Salaried?
For Flexi Personal loans, the amount may be disbursed into the specified bank account within 15 minutes provided all the documents and details are correct and in-order.
For Personal loans for salaried, the disbursal may take up to 3 working days provided all the documents and details are correct and in-order.

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Is there any way in which i can apply for a loan incase my mobile number is not linked to Aadhaar Card?
Yes. There are two options provided for the purposes of signing of legal documentation;
Registered Mobile OTP based digital signing and e-signing using Aadhaar. For the first option your mobile number need not be linked with your Aadhaar Card. However, the first option may not be available to all users immediately.

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Is it possible to get the loan amount transferred to a joint bank account?
Yes, it is possible to get the loan amount transferred to a bank account jointly held by you. However, you should be the primary account holder of that joint bank account.

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I am facing technical issues during profile completion. What do I do?
Send a video with the issue flow or screenshot, along with your registered phone number and mobile device model name on help@kreditbee.in , and will reach out to you at the earliest.

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My profession is not listed, what should I do?
If your profession is not listed, please drop us an email on help@kreditbee.in and we will add the profession to the list.

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Why am i not eligible for a loan of a higher amount, when the maximum disbursal amount as per KreditBee is 2 Lakh?
To begin with, every customer is allocated a maximum disbursal limit up to which he or she can avail loans on KreditBee as the parameters decided by our lending partners. With regular loan applications from KreditBee along with timely repayments, there is a good possibility that the maximum disbursal limit increases with time. However, this also depends on other factors like your monthly salary, credit score, and a host of other data points that we get from you when you create your profile. While making timely repayments increases the probability of enhancing your maximum disbursal amount, it does not guarantee the same.

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Is it necessary to install the KreditBee App to apply for a loan?
Yes, you need to install the KreditBee app on your mobile phone to apply for a Personal Loan.

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Are there any hidden fee components that you charge?
No. All the charges are transparent and communicated to the user upfront.

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How do I get to know my monthly repayment schedule?
You can find it by logging into the app. The repayment can range between 2 months (minimum of 62 days) to 15 months from the Loan Disbursal Date depending on the loan availed by you.

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Is KreditBee connected with any credit agencies?
All the KreditBee partnered NBFCs and Banks have collaborated with the four Credit Information Companies, and they send the repayment history of all KreditBee customers after each quarter to these companies.

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How can I repay my loan?
You can repay your loan by heading over to the Repayments section and making an online payment. We support payments via Net Banking, Debit Card, UPI, PayTM Wallet and Bank Transfer. Use the Bank Transfer option to avoid convenience charges.

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Can I repay the loan before the due date?
Yes, you can repay your loan anytime you wish to do so, even before the repayment date.

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What happens if I do not repay on time?
Penalty charges will be applied for everyday that the loan is overdue. Your Credit score will be updated as a defaulter with credit rating agencies (CIBIL, CRIF High Mark etc.) which will make it difficult for you to take loans with any bank or financial institution in the future. Companies also check an individual’s credit score and may not offer you employment if your credit score is bad.

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What are the interest charges on the loans that I avail with Kreditbee?
For our monthly tenure Flexi Personal Loan product, the annualized interest rate varies between 18-29.95%.
For our Personal Loan for Salaried product, the annualized interest rate varies between 15-29.95%.
For our E-voucher loans, the annualized interest rate varies between 0-24%.

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What are the processing fee charges on loans taken?
For Flexi Personal Loan monthly tenure loan products – Processing fee varies from Rs. 85 up to Rs. 1,250 flat
For Personal Loan for Salaried loan product (Loan amount from Rs. 10,000 to Rs. 2,00,000) – Processing fees ranges from Rs. 500 to up to 6% of the Loan amount
For E-voucher loans – Processing fees ranges from Rs. 0 to up to 5% of the Loan amount.
These charges are indicative and may change based on your profile.

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What is the Agreement fee and why is it being charged?
Agreement fee is a one time fee for every loan charged due to the cost KreditBee incurs on the digital signing of the Loan Agreement.

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When will I get my Referral Points?
First, your friend should use your Referral Code and sign up on the KreditBee App.
Once your friend completes his/her profile and the profile is approved, you will get 50 KreditBee Points and your friend will get 30 points.
Once your friend avails his or her first loan, you will get 50 KreditBee Points and your friend will get 30 points.

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Is there a maximum limit to the number of Points that i can have?
Yes. You can have a maximum of 500 Points at any given point of time. However, there is no restriction on earning more than 500 Points if you keep utilizing them. If you have accumulated the maximum number of 500 Points, then you must first utilize some of them by availing a Loan before you can earn more Points.

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Is KreditBee related to KrazyBee?
KreditBee and KrazyBee belong to the same entity named Finnovation Tech Solutions Private Limited. While KreditBee is targeted at Salaried and Self-employed professionals, KrazyBee is targeted at College-going students.

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Are the transactions on KreditBee safe?
Yes, the transactions are secured via a 128-bit SSL encryption.

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Which partners does KreditBee support for shopping on EMI?
KreditBee supports Flipkart, Amazon, Myntra and Jabong, MakeMyTrip, Nykaa with many more on the way!

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When i shop for products on KreditBee, will i get the actual product?
No, you will receive an E-voucher on EMI from KreditBee which you can use to purchase the actual product.

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How can I apply for an E-Voucher on KreditBee?
You can apply for an E-voucher in several ways.
i) Provide the Product name and price for which you want to get an E-voucher.
ii) Select from our featured products for which you will receive an E-voucher of the selected product price.
iii) Copy and paste the product link from Flipkart or Amazon on KreditBee to auto fill the product name and price.

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How for i use an E-Voucher?
You can directly load the E-voucher from KreditBee app to your shopping account.
Just click on the load button on the KreditBee app next to each voucher and login to your shopping account on the partners app or website.
In the popup that is displayed, click Yes to load the voucher directly into your account.
Repeat this for each voucher.
While shopping, select Gift Card checkout or payment via Gift Card to complete the purchase.

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Is there any expiry date for the E-Voucher?
Yes, the E-vouchers expire in 1 year from the date they are issued. Use the vouchers before they expire.

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What is KreditBee Credit Risk Score(KCRS) used for?
KCRS is used internally by KreditBee to define your credit limit, interest rate. On the basis of this score, your creditworthiness is evaluated by KreditBee.

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How do I understand my KCRS?
This score ranges from 900 to 1800. The higher your score the better your loan terms are likely to be.

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My KCRS is low. Will I still get a loan?
Yes, you may still be eligible to avail a loan as this is one of the many parameters based on which our credit underwriting system BeeHive depends upon to decide your credit worthiness.

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How do I contact KreditBee Customer service?
You can call 080-44292200 or send an email to
KreditBee at help@KreditBee.in, Office Address: The Royal Stone Park,
No. 100, Above Honda Showroom,
Pai Layout, Bennigana Halli,
Bengaluru, Karnataka India – 560008

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The IndiaLends FAQs are simple and provide access to the most commonly asked “help” topics.
Below are the answers to the questions frequently asked about IndiaLends.

How much can I borrow and for how long?
You can get personal loans starting from Rs. 25,000 up to Rs. 50 Lacs for 1 to 5 years.

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Can I repay my loan early?
You can pay off your loan amount either by full prepayment or part prepayment of your loan.

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How does IndiaLends assess my credit worthiness and how long does this take?
The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc. The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.

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Why was my application rejected?
Personal loans can be used for various reasons. So, before you go to another bank to apply for a loan, take the time to analyze why your personal loan application was rejected. Here are a few personal loan rejection reasons that you should be aware of-
You have too many outstanding loans:
Every lender is going to check your debt to income ratio before sanctioning your loan. If you have availed multiple loans in the past which you are still repaying then there is a chance that your personal loan application might be rejected. If you are spending about 40% of your income or more on repaying existing loans you can almost be certain that your loan application will be rejected. You should pay off some of your debts first as a high debt to income ratio is sure to raise a red flag.
Your salary is below the bank’s threshold amount:
Every bank has a minimum income requirement and if your income is below that number your personal loan application will be rejected. Each lender has a different minimum monthly income cap so make sure your income is above this requirement before submitting your personal loan application. A sufficient income is an indicator that you have enough funds to repay the loan and so the minimum income requirement is one of the major factors taken into consideration by any lender.
Your credit history is not convincing:
Each lender has a minimum credit score that you need to have in order to qualify for a loan. Credit card defaults, late payments, or defaulting on monthly payments of loans and so on will reflect badly on your credit report. Before you apply for a loan find out where your credit stands and the minimum credit required to apply for a personal loan. Do not apply if your credit score doesn’t meet the lender’s minimum credit as you might be rejected outright.
You have a history of switching jobs frequently:
Financial institutions lend money to those who they think would be able to repay the loan. A stable job means a stable income, making the applicant a lot more trustworthy than a person who is likely to quit his job before he has repaid the loan. Most banks only lend you money if you have been in your current job for more than six months.
You work in a private company:
Your employer also comes under the scanner when you apply for a loan. If you are working in a private company that is not in the bank’s list of preferred companies, then your loan application can be rejected.
Sending multiple applications to different banks:
You might have sent out loan applications to different banks. Each time you apply for a loan, a hard inquiry is made which is recorded in your credit report. Financial institutions identify candidates who apply for multiple loans as risky candidates and do not sanction loans to such candidates. Avoid applying for multiple loans and research on loans that you are eligible for and are capable of repaying before applying for a loan.
Errors in your personal loan application:
Make sure you double check the details on your loan application because a mistake on your application may result in rejection. To apply for a personal loan you would need to provide documents on your work history and source of income. If you fail to provide such information, you run the risk of having your application rejected. Even if you are self-employed and taking a personal loan for business you would have to provide supporting documents. This is done to prove you have a regular source of income.

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What happens in the case of a missed payment or non-payment by a borrower?
If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower. The borrower’s credit file will also get impacted which will restrict him or her to get credit in the future. Legal action may also be taken against the borrower.

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How will you disburse the loan amount?
Digitization has revolutionized the lending platform. Nowadays, a customer just needs to fill in an application, provide the necessary documents and in no time, the loan is disbursed to his/her bank account.

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Is it a good idea to get a personal loan?
Personal loans can be an ideal solution during a financial crisis. Be it wedding expenses, home renovation or medical emergency, a personal loan can be your solution to meet the immediate financial requirements as they are easy-to-get, fast in disbursal and require no collateral.

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What is the best personal loan?
The best personal loan differs from borrower to borrower’s credit profile. A credit profile includes the credit score, monthly income, employer, employment type and others. All the above factors are considered to find the best personal loan.

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What is the eligibility for personal loan?
The eligibility criteria for a personal loan are given below:
Between the age of 18-21 years and 60-65 years
Must be salaried or self-employed.
Credit score of 750+ with a good credit history.
Minimum monthly income of ₹15000 for non-metro cities and ₹20,000 for metro cities.
Should be employed at the current organization for at least 6 or 12 months or business tenure of at least 3 years (continuous).

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Are personal loans good for your credit?
Personal loans play an important role in deciding your credit score. The effect of missing a personal loan EMI can be adverse on your credit score. One of the reasons for the same is because personal loans are unsecured in nature.

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How long does it take to get approved for a personal loan?
Due to digitization, personal loan approval has become instant. However, the disbursal could take a period of 5-7 days due to the documentation process.

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What is the best personal loan to get?
There is no such thing as the best personal loan. Every borrower needs to find the lender that best suits his/her needs. In order to do that, you can either compare the different lenders offline or apply at platforms such as IndiaLends who help you select the lender as per your requirements.

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Can you pay off a personal loan early?
Of course you can pay off a personal loan early. This is known as prepayment of a personal loan. However, this could attract a specific amount as penalty which would differ from lender-to-lender.

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What is the average interest rate on a personal loan?
The interest rate on a personal loan ranges from 10.75% – 35% which differs from lender to lender.

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What do banks look at when applying for a personal loan?
The banks consider the following factors when looking at a personal loan application:

1. Age
2. Monthly Income
3. Credit Score
4. Credit History
5. Documents

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Who has the best personal loan rates?
The best personal loan interest rates depend on the credit profile of a customer. In order to get the best rates, a customer must have a good credit score, consistent source of income, should be salaried or self-employed.

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Which bank gives the lowest interest rate for personal loan?
Currently, YES Bank offers personal loans starting from 10.75%. However, the interest rates can be different for customers based on their credit profile.

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What is the minimum salary for a personal loan?
The minimum salary to get a personal loan is ₹15,000 for non-metro cities and ₹20,000 for metro cities.

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How can I get a personal loan from Bajaj Finance?
To get a personal loan from Bajaj Finance, you can apply at their official website or apply at IndiaLends for easy approval and fast disbursal.

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How do I contact IndiaLends Customer service?
You can send an email to support@indialends.com
Address:
31A, Udyog Vihar, Sector 18, Gurugram,
Haryana – 122015.

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The Nira FAQs are simple and provide access to the most commonly asked “help” topics.
Below are the answers to the questions frequently asked about Nira.

What is the eligibility criteria to apply for credit with NIRA?
To successfully apply for credit, you must be an Indian citizen and 21-55 years of age. You will be working for a minimum of 6 months and earn a salary of Rs 12,000 or higher per month.

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What are the required documents to apply?
Only your most recent payslip and bank statements for the last 3 months. These can be submitted on NIRA’s app via net-banking or PDF upload.

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I do not have one or more documents required. What do I do?
You contact the support team at support@nirafinance.com or you can also message them on WhatsApp (9591196740). They will assist you in completing your application.

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What CIBIL score do you require?
If you have a CIBIL score, you need a minimum score of 681 in order to be eligible for credit from NIRA. If you are new to credit, your CIBIL score should be -1 or 3, 4 and 5.

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I do not have netbanking. How else can I provide the bank statements?
Having netbanking is NOT mandatory. You can also upload the unlocked PDF copies of your bank statement for the last consecutive six months.

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In which cities do you operate?
We accept applications from all over India including cities such as Bangalore, Hyderabad, Delhi, Noida, Gurgaon, Mumbai, Chennai, Pune, Kolkata & Indore.

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What is a Line of Credit?
Think of it like a digital credit card. You are assigned a limit, and you can use it at your discretion. The difference is that your repayments will be in the form of monthly EMIs.

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What will my limit be?
Nira will assign you a limit of between Rs. 5,000 and Rs. 1 lakh. Your limit is based on our assessment of the amount of debt that you can sustainably service.

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How many loans can I take out?
You can take as many loans as you want, as long as you are within your limit. There is a minimum loan size of Rs. 5,000 for drawdowns.

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What loan tenures are available?
When you make a draw down from your credit line, you can select tenors of between 3 and 12 months in 1 month increments. i.e. 3m, 4m, 5m,….., 12m.

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How do I apply to NIRA for a loan?
The application process is simple. Fill in the required details on either Nira App or website to get your in-principle decision. Once you’ve qualified for credit you can go ahead and upload the required documents. You’ll get a final approval once your documents have been verified. As soon as you complete your KYC, you will be able to use your line of credit.

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What is my application status?
You can see the status of your application at any time on your NIRA app. If you have any further questions please reach out to the team on support@nirafinance.com or message your registered email ID on WhatsApp (9591196740).

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How long does it take for a loan application to be approved?
The in-principle approval would be shown on the app instantly once the application is completed. The final approval will be given as soon as all the documents are uploaded and collected (if applicable to your application). You can expect to complete this step in 2-48 hours.

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Once approved, how long does it take for the money to come into my account?
After the final approval and completing the auto-debit setup, you can submit a draw request on your credit line any time, and the money will come into your account within 2-24 hours. Money will come into your account faster on subsequent draws. If you make a draw request over the weekend, the money will be credited to your account on the following Monday.

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How to cancel my loan application?
After confirming ‘Avail Credit’ and setting up the mandate, if you want, you can cancel the loan before it is disbursed into your bank a/c. You can write to us at support@nirafinance.com if you wish to cancel. You need to mention ‘Loan Cancel’ in the subject line.

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The amount in NACH form is more than my EMI. How is this amount calculated?
The amount in the NACH form is the total amount lent to you by Nira. However, the recurring payments will be for the EMI amount shown to you on the App.

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Which documents do I need to handover, and to whom?
In case you are submitting NACH auto-debit mandate, you’ll be required to sign and handover two printed copies of the mandate to Nira courier partner.

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What are the payment modes available?
There are two modes of payment. You can either pay with the auto-debit instruction which was set up during the time of loan application or you can pay using the app via netbanking/debit card. For the auto-debit, ensure that you have sufficient funds in your account on EMI due date.

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Are there any hidden fees/charges?
There are no additional fees beyond processing fee if your payments are made on time. In case you are late, a late payment fee will apply. If you prepay your loan during the first three months, prepayment penalties will be applied.

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What happens if I delay payments?
There will be an auto-debit mandate return charge levied on your bank account from your bank. Also, you will incur late payment fees for any delayed payments. The late payment fee will increase if you delay the period. Unlike the utility bill payments, delays in EMI payment incur high late payment charges.

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Will I be charged extra if I wish to delay payments?
Yes, there will be an auto-debit mandate return charge levied on your bank account from your bank. Also, you will incur a late payment fee for any delayed payments. Unlike the utility bill payments, delays in EMI payment incur high late payment charges.

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Can I prepay my loan?
Yes. There will be charges if you prepay within 3 months, no charges thereafter. If you prepay within 3 months, then you will be required to pay 2.5% of the amount that you prepay as penalty. For comparison, the prepayment charges on personal loans from banks range from 2%-5%.

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Can I change the tenure of the loan after the loan is disbursed?
Unfortunately, changing the tenure will not be possible once the loan is disbursed.

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How can I change the due date?
Unfortunately, it is not possible to change the due date of an EMI payment.

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What are the interest rates?
Your interest rate will be a function of your credit score on our proprietary model. The higher your score, the lower your interest rate. Our interest rates will vary from 2.0% to 3.0% per month, or 24% to 36% per year (annual percentage rate or APR). As an example of our loan charges, on a loan of Rs.20000 for 6 months at 24% APR, you’ll pay Rs. 3571 as monthly EMI and Rs21,957 in total which includes Rs.450+GST as processing fee. Please see the next question for more details on processing fee.

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What is a processing fee and why is it charged?
There will be a processing fee of a minimum of Rs.350 + GST and a maximum of 2.0% of loan amount on your first loan. This is to cover the costs of on-boarding including document collections, verifications, and payment setup.

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What are the charges for delayed payments?
Please note that delayed payments resulting from auto-debit bounce will result in a penalty of up to Rs.500 from your own bank. Additionally, a bounce fee of Rs.100 will be levied by
Nira partner funder.

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Is it safe to apply with NIRA?
Yes, absolutely. NIRA is a private limited company registered under RoC-Bangalore. We partner with Federal Bank, which is one of the biggest private banks in India to offer you credit. It takes utmost care about Customer’s data security and privacy against internal and external threats. If you have any specific concerns, you can write at
support+safety@nirafinance.com, or send your message on WhatsApp (9591196740).

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Using my netbanking credentials to submit the bank statements, is it safe?
Yes, when you do a netbanking login, you provide NIRA with a read-only access to fetch your bank statement. Your netbanking credentials are never stored on NIRA or any external servers. The netbanking login is simply a convenient alternative to manually uploading your six months of bank statements.

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How do I delete my account?
You can delete your account at any time from the Settings section within the Main Menu on the NIRA app. A person from the operations team will connect with you to make sure that all except the mandatorily required information by the bank and the RBI will be deleted. Please note that if you have loan amounts outstanding, you would not be able to delete your account.

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What is the NIRA referral program?
NIRA’s referral program encourages existing customers to bring new people in need of personal loans on board to help the Nira community grow. If you’ve already taken a loan from Nira in the past, you (the referrer) automatically become eligible to refer a friend (the referee) to NIRA. Once your friend qualifies for a loan, he earns Rs. 150/- off on the processing fee while you earn Rs. 150/- off on the processing fee of your next loan with Nira.

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How do I refer a friend?
Open the NIRA app and head over to the drop down menu.
Select “Rewards & Referrals” from the menu.
You’ll be guided to a page with an option to share a referral code link with your contacts.
Select a contact you’d like to refer and then choose your preferred mode of sharing the referral code. Hit “share” and you’re done!

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Can I refer someone if I haven’t applied for a loan with NIRA?
Yes, you can refer your friends to NIRA even if you haven’t applied for a loan with Nira. However, your discount will only apply on the second and subsequent loans with NIRA.

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How do I check my reward balance?
Select “Rewards & Referrals” from the dropdown menu in the app. Click on “My Discounts” (the gift box icon on the top left corner). You should be able to view your referral rewards balance here.

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When does my referral reward expire?
Referral rewards will remain valid up to 12 months from the date of activation so be sure to use them up within a year!

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How can I pay my EMI?
You’ll be setting up an auto-debit instruction at the time of applying to NIRA. If the mandate is successfully registered, just make sure that you maintain sufficient funds in your bank account on every EMI due date. The EMIs will be automatically deducted. If for some reason, the auto-debit isn’t processed, we’ll notify you via SMS, email and app notifications. In this case, you can pay via the PAY NOW option in the NIRA app.

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How do I contact Nira Customer Service?
You can contact Support via email at support@nirafinance.com
or you can also message them on WhatsApp (9591196740)
between 10 am – 7 pm.
Address:
NIRA, 2nd floor,
UrbanVault Indiranagar
2024, 16th Main Rd
HAL 2nd Stage, Kodihalli
Bengaluru, Karnataka 560008

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Hope these FAQs were helpful to you!
Still have questions? Talk to an assistant here https://m.me/vanillasutra.

The LoanTap FAQs are bold, functional and simple in approach
Below are the answers to the questions frequently asked about LoanTap

My CIBIL score is bad, am I eligible for loan?
LoanTap is based on a machined credit process where the customer’s multiple data points are thoroughly checked. Loan application can be considered if your profile qualifies as per underwriting parameters.

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What rate of interest will apply for loan from LoanTap?
Rate of interest and repayment methodology depends on the type of loan availed. Customer interface is transparent. LoanTap provides complete details on loan schemes at the time of application as well as at the time of signing loan agreement.

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Are LoanTap’s loan facilities available in my city?
Our products are available in cities where LoanTap is operational. Currently we are providing our products in Bangalore, Hyderabad, Chennai, Coimbatore, Mumbai, Pune, Ahmedabad, Vadodara, Raipur, Bhopal, Indore, Jaipur, Delhi-NCR and Chandigarh locations.

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How much time will it take to get my credit evaluation done?
It normally takes from 8 – 24 hours depending upon the information furnished.

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What documents are required for processing my loan application?
Documents required for processing loan application are-
PAN
Address proof
3 months’ pay slips
6 months’ salary account statement
However, the requirement may decrease or increase depending on the customer’s individual profile and the nature of the loan.

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How long will it take for processing and disbursement of personal loan?
LoanTap has a very quick and efficient underwriting system which ensures that delivery to you on time. It usually takes from 24 hrs to 36 working hours; provided all documentation and credit checks are in place.

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Why should I provide cheques from my bank account for getting a loan?
As part of LoanTap risk policy, LoanTap will collect a couple of security cheques. These are kept for only security purposes and cancelled once the loan is finished. However, LoanTap uses them only in case the customer makes any defaults towards the loan.

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Do I need to pay anything for my loan processing? How much are your loan processing charges?
LoanTap provides complete details of Fee and Interest at the time of loan application itself and subsequently at the time of loan agreement. A one-time processing fee will be charged which is equal to 2% plus applicable Taxes, of the sanctioned loan amount. However, the one time processing fee ratio is different for some of the products. No other fee needs to be paid. All details regarding your loan are shared with you as a part of loan agreement as well. In case the loan is not sanctioned, no processing fees will be charge.

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Do I need to pay processing fee charges for availing loan or it would be deducted?
Loan processing fee would be deducted from gross loan amount at the time of disbursement.

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After signing a loan agreement how much time will it take for disbursement?
After signing of agreement, one working day; provided all documentation and checks are in place.

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How will I pay my instalments?
EMI gets auto debited from your bank account every month on the due date – as mentioned in the loan agreement. As part of the disbursement requirement, a copy of the NACH form will be collected from you. NACH form authorizes LoanTap to present EMI into your bank account every month.

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Can I cancel my loan after signing an agreement or after availing disbursement?
You can cancel your loan offer within 3 days of signing the loan agreement. Entire disbursed amount needs to be transferred back into the partner NBFC account.

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Is insurance mandatory with a loan?
No, availing insurance is not mandatory but completely at your discretion. You may decide whether to avail insurance or not.

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Will EMI get auto debited from my account? On which date?
Yes. EMI gets auto debited from your bank account every month on the due date as mentioned in the loan agreement. As part of the disbursement requirement, a copy of the NACH form from you. NACH form authorizes LoanTap to present EMI into your bank account every month.

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How will I get to know about the disbursement process and updates?
Once your loan is approved, LoanTap operations team will contact you via phone and email. You will get to know all details in the discussion and documentation that ensues post loan approval.

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What happens if I am unable to pay interest/EMI on time?
Customer needs to pay interest/EMI as applicable on the due date. Failure to service monthly obligation timely might impact customer in following manner:
Adversely affect your credit rating and score (reporting to bureaus like, Crif, CIBIL). This will have an impact on other credit facilities availed from other NBFCs /Banks and in case of any future borrowing requirements.
Bounce and penal charges start getting applied on overdue amounts. Customers will need to pay a higher amount to clear outstanding dues.
LoanTap will initiate legal recourse depending on the performance of loan.
LoanTap may initiate any other action as also mentioned in the loan agreement signed by you.

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How do I log in into “my account”?
Go to http://www.loantap.in and click on ‘My Account’ tab, you will be asked to verify your registered email id by an OTP sent on your email ID. By using your registered email ID and OTP you can access complete loan details.

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Do I have an option to pre-close a loan?
Yes, you can prepay the loan facility post 6 months of disbursement. No foreclosure charges applicable post 6 months of loan completion, however within 6 months you can prepay your loan with minimal charges.

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Do you offer a top up loan facility on existing loans?
You can apply for top up loans once you have paid 6 EMI on the existing loan from the inhouse NBFC. Loan sanction is based on fresh documents and eligibility checks.

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Can I make higher payments towards my loan outstanding? Any charges applicable?
Yes, you can make higher payments towards your loan. No charges for higher payments or foreclosure are applicable post 6 months. Within 6 months you can make part payments or foreclosure-with minimal charges applicable.

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How do i contact LoanTap Customer Service?
You can contact LoanTap Support at 788 804 0000 or send email at info@loantap.in.
Corporate Office Address:
Hermes Waves Office No:103
Central Avenue Road
Kalyaninagar, Pune:411006

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Hope these FAQs were helpful to you!
Still have questions? Talk to an assistant here https://m.me/vanillasutra.