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Rates & Charges
How is APR determined?
Annual percentage rate (APR) is determined based on your credit score, the amount you wish to borrow and your steady income. Generally, a good CIBIL score calls for a low APR while a poor CIBIL score means high APR. But we have a fixed APR which is the same for all.
Working of Our Rates & Fees
APR reflects the true cost of borrowing money. It includes the annual interest rate, a nominal processing fee and other miscellaneous expenses. APR is usually lower than your credit card interest rate. APR is the actual annual cost of your loan that helps you compare various loan offers from different lenders. We have a fixed APR @ 33.6% per annum.
Monthly Payment Example
| Tenure | Loan Amount | Interest Rate | Admin Fees | APR | Amount Deposite | EMI | Total Interest |
| 12 Months | Rs.1,00,000 | 2% | Rs.1000 | 24% | Rs. 99000 | Rs. 9456 | Rs.13472 |
Documents Required Eligibility Criteria
DOCUMENTS REQUIRED
- Indian resident
- Salaried Employee
- Above 21 years of age
- Savings Bank Account Holder
- Fair CIBIL Score
- Valid Documents
DOCUMENTS REQUIRED
- Completely filled personal loan application. Indian resident
- PAN Card
- Residence proof – Passport, Driving Licence, Voter ID, Postpaid/Landline Bill, Utility Bills (Electricity/Water/Gas).
- Bank statements for the last 3 months of salary account.
- Salary Slips of last 6 months.