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Get instant personal loans from ?50000 to ?5 lakh to fit all your needs and dreams
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Easy to manage EMI plans with reminders and auto-debit features so that you don¡¯t miss out on timely payments
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Testimonials
Team
Ashish Joshi
Director
Geetika Manucha
Director
Saurabh Srivastava
DirectorF.A.Q
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Minimum and Maximum period for repayment
Minimum-12 Months and maximum-60 Months.
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Maximum Annual Percentage Rate (APR), which generally includes the interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law
- Axis Bank-12%-24%
- Icici Bank-10.5%-19%
- Fullerton-11.99%-36%
Axis Bank-
Repayment instruction / Instrument return charges
Rs.500/- per instance of dishonor of cheque /SI/ECS/NACH debit instruction + GST as applicable
Swap charges (Cheque/Instrument)
Rs.500/- per instance + GST as applicable
Penal Interest
@ 24% per annum i.e. 2% per month on the overdue installment.
Duplicate statement issuance charges
Rs.250/- per instance per set + GST as applicable.
Duplicate Amortization schedule issuance charges
Rs.250/- per instance per set + GST as applicable.
Re-Issuance of photocopy of loan agreement/documents
Rs.250/- per instance per set + GST as applicable.
Credit Information Companies (CICs) Report Issuance Charges
Rs. 50/- per instance per set + GST as applicable.
Duplicate NOC
Rs. 500/- per instance per set + GST as applicable.
Stamp Duty Charges
As per State Stamp Act
Foreclosure/ Part Prepayment Charges
Foreclosure charged on loan oustanding, pre-payment charged on amount of part payment
5% for 0 to 12 months
4% for 13 to 24 months
3% for 25 to 36 months
2% for greater than 36 months
ICICI Bank-
Type of credit facility
Interest Rate and Charges Applicable
Personal Loan Interest Rates
10.5% to 19% per annum
Loan Processing Charges / Origination Charges (Non-Refundable)
Upto 2.25% of loan amount plus GST
Prepayment Charges
5% on principal outstanding plus GST
Additional Interest on late payment
24% per annum
Repayment Mode Swap Charges
? 500/- per transaction plus GST
Loan Cancellation Charges
? 3000/- plus GST
^EMI Bounce Charges
? 400/- per bounce plus GST
Fullerton-
FUEL TYPE APPLICABLE CHARGES Delayed EMI Payment Interest
( per month of delay, every month)
As stated under additional interest charge**
Collection of Cheque/Cash
(per collection)
NIL
Cheque /ECS/NACH dishonoured Charges
(per dishonour of cheque/ECS/NACH per presentation)
300
Swap Charges- for replacement of Post-dated cheques to ECS
(per instance)
500
Swap Charges- for replacement of ECS to ECS
(per instance)
500
Loan Cancellation charges
(loan cancelled before first EMI)
5,000
Processing Fees
Between 0% - 6% of the Loan Amount
*Foreclosure charges/ pre-payment penalties shall not be charged on all floating rate term loans sanctioned to individual borrowers
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Personal loans require repayment in full in 60 days or less from the date the loan is issued. This policy applies to advertisers who offer loans directly, lead generators, and those who connect consumers with third-party lenders.
To repay in equated monthly instalments(EMI) i.e.every month as per the approved tenure(12-60 Months)