Protopfin loan app
2 May, 2025 By rahulrani90
ProtopFin Loan App Review 2025: Is It a 7-Day Fake Loan App Scam?

In the digital lending era, instant loan apps promise quick cash with minimal hassle, but not all are trustworthy. ProtopFin Loan App has gained attention for its bold claims of seamless, transparent, and secure loans. However, recent customer reviews and investigations reveal a darker side, labeling it a 7-day fake loan app with high interest rates, hidden charges, and questionable practices. This ProtopFin Loan App review dives deep into its features, customer complaints, red flags, and why it was removed from the Play Store. With 1500 words of detailed analysis, we’ll cover all searchable keywords to help you make an informed decision and rank this article at the top. Let’s explore whether ProtopFin is a legitimate lender or a fraudulent loan app scam.

Protopfin loan app
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What Is ProtopFin Loan App?

ProtopFin is a digital loan facilitation platform operated by Protop Consultancy Services Private Limited. It claims to connect users with JADS Services Private Limited, an RBI-registered NBFC, offering personal loans ranging from ₹2,000 to ₹60,000 with tenures of 90 to 120 days. The app markets itself as a quick loan app with a seamless, transparent, and secure borrowing experience, boasting a 4.3-star rating and 50,000 downloads on the Play Store before its removal.

However, a closer look at user experiences, such as a scathing review by Raunak Alam on March 15, 2025, paints a different picture. Raunak called ProtopFin a “total fraud app”, alleging that for a ₹1,000 loan, only ₹617 was credited to his account, with a ₹1,006 repayment due in just 7 days. This discrepancy, coupled with hidden fees and lack of transparency, raises serious doubts about its legitimacy. The app’s removal from the Google Play Store further fuels suspicions of it being a fake loan app.

Why Was ProtopFin Removed from the Play Store?

The Google Play Store has strict policies for loan apps, prohibiting those with short-term loans (less than 60 days) or exorbitant interest rates. ProtopFin’s 7-day loan terms and high charges likely violated these guidelines, leading to its removal. Additionally, user complaints about fake ratings, hidden deductions, and harassment may have prompted Google to act. This aligns with Google’s 2023 crackdown on SpyLoan apps, which removed 17 fraudulent apps with over 12 million downloads for similar deceptive practices.

The removal is a red flag for users searching for safe loan apps in India. It suggests that ProtopFin failed to comply with RBI regulations or Google’s policies, reinforcing claims that it’s a 7-day fake loan app designed to trap vulnerable borrowers with high interest rates and short repayment periods.

ProtopFin Loan App: Features and Claims

Before diving into the controversies, let’s examine what ProtopFin claims to offer:

  • Loan Amount: ₹2,000 to ₹60,000
  • Tenure: 90 to 120 days (though users report 7-day loans)
  • Interest Rates: Not clearly disclosed in the app’s description
  • Processing Fees: Claimed to be transparent but users report hidden charges
  • Eligibility: Basic KYC documents like Aadhaar, PAN, and bank details
  • NBFC Partner: JADS Services Private Limited (RBI-registered, but verification needed)
  • App Rating: 4.3 stars with 50,000 downloads (suspected to be fake)

While these features sound appealing, customer reviews and analysis reveal discrepancies, such as short-term loans, high deductions, and lack of transparency, which are hallmarks of fake loan apps in India.

Customer Complaints: The Shocking Truth

The most damning evidence against ProtopFin comes from user reviews, particularly Raunak Alam’s experience. Here’s a breakdown of his complaint:

  • Loan Amount: Applied for ₹1,000, received only ₹617
  • Deductions: ₹383 was deducted upfront without prior disclosure
  • Repayment: ₹1,006 due in 7 days, implying an exorbitant interest rate
  • Transparency: No clear details on deductions or charges before loan disbursal
  • Rating: Called the app “wahiyat” (terrible) and warned others to avoid it

Raunak’s review highlights hidden fees, short repayment terms, and misleading practices, which are common tactics of fraudulent loan apps. Other users have echoed similar sentiments, reporting harassment through calls, texts, and threats when unable to repay on time. These patterns align with characteristics of SpyLoan apps, which collect sensitive data and blackmail users.

Red Flags of ProtopFin Loan App

Here are the key warning signs that ProtopFin may be a fake loan app:

  1. Hidden Fees: Significant upfront deductions (e.g., ₹383 on a ₹1,000 loan) not disclosed beforehand.
  2. High Interest Rates: The 7-day repayment of ₹1,006 for a ₹617 loan suggests an APR far exceeding RBI caps (typically 36% for personal loans).
  3. Short-Term Loans: Despite claiming 90-120 day tenures, users report 7-day loans, violating Google’s policy.
  4. Fake Ratings: The 4.3-star rating may be manipulated, as seen in other scam apps with inflated reviews.
  5. Lack of RBI Verification: While ProtopFin claims to partner with JADS Services, users must verify this NBFC’s registration on the RBI website.
  6. Harassment Tactics: Users report aggressive recovery methods, including threats and contact list access, a common trait of fake loan apps.
  7. Play Store Removal: Its removal from the Google Play Store indicates non-compliance with lending regulations.

These red flags make ProtopFin a risky choice for anyone seeking an instant loan app in India.

How ProtopFin Compares to Other Fake Loan Apps

ProtopFin’s practices mirror those of other fraudulent loan apps identified in India, such as Agile Loan, Angel Loan, and Quick Cash. These apps often:

  • Promise instant loans with no credit checks or minimal documentation
  • Charge exorbitant interest rates (sometimes over 50% for 7 days)
  • Deduct upfront fees before disbursing funds
  • Use harassment tactics like calling contacts or sending fake legal notices
  • Lack RBI registration or transparency about terms

Unlike RBI-approved loan apps like Fibe, Hero FinCorp, or Bajaj Finserv, which offer transparent terms, competitive interest rates (9-36% APR), and longer tenures, ProtopFin’s 7-day loan scam targets vulnerable borrowers, trapping them in a debt cycle.

How to Identify a Fake Loan App Like ProtopFin

To avoid falling prey to apps like ProtopFin, watch for these signs:

  1. RBI Registration: Verify the app’s NBFC or bank partner on the RBI website (sachet.rbi.org.in).
  2. Transparent Terms: Genuine apps provide clear details on interest rates, fees, and repayment terms upfront.
  3. User Reviews: Check for patterns of complaints about hidden charges, harassment, or short-term loans.
  4. Permissions: Avoid apps requesting unnecessary access to contacts, photos, or messages.
  5. Upfront Fees: Legitimate lenders deduct fees after loan approval, not before disbursal.
  6. Play Store Presence: Apps removed from the Google Play Store are often fraudulent.

By following these tips, you can steer clear of fake loan apps in India and choose safe loan apps like NoBroker Insta Cash or MoneyView.

What to Do If You’ve Used ProtopFin

If you’ve already borrowed from ProtopFin or suspect you’ve been scammed:

  1. Stop Payments: Avoid paying additional fees or repaying if the app is fraudulent.
  2. Secure Your Data: Change passwords and monitor your bank accounts for unauthorized transactions.
  3. Report to Authorities: File a complaint with the RBI Sachet portal, cybercrime portal, or local police.
  4. Check CIBIL: Fake apps can’t report to credit bureaus, but verify your CIBIL score to ensure no damage.
  5. Warn Others: Share your experience on social media or review platforms to alert potential victims.

Why You Should Avoid ProtopFin Loan App

ProtopFin’s 7-day loan scam, high interest rates, hidden charges, and Play Store removal make it an unreliable and risky choice. Its practices align with fake loan apps that exploit borrowers with urgent financial needs. Instead, opt for RBI-registered loan apps like Fibe, Hero FinCorp, or Bajaj Finserv, which offer transparent loans, competitive rates, and longer repayment terms.

With no obligation to repay a fraudulent loan app, users can protect their finances by avoiding ProtopFin and reporting its activities. Stay cautious, verify lenders, and prioritize safe instant loan apps for your financial needs.

FAQs About ProtopFin Loan App

Q1: Is ProtopFin Loan App safe to use?
A: No, ProtopFin is considered a fake loan app due to its hidden fees, high interest rates, 7-day loan terms, and Play Store removal. User complaints and lack of transparency further confirm its risks.

Q2: Why was ProtopFin removed from the Play Store?
A: ProtopFin likely violated Google Play Store policies by offering 7-day loans and charging exorbitant interest rates, leading to its removal. User complaints about fraudulent practices may have also contributed.

Q3: Does ProtopFin charge high interest rates?
A: Yes, user reviews indicate high interest rates, with a ₹1,000 loan requiring ₹1,006 repayment in 7 days, implying an APR far above RBI caps.

Q4: Is ProtopFin registered with the RBI?
A: ProtopFin claims to partner with JADS Services, an RBI-registered NBFC, but users must verify this on the RBI website. Lack of clear documentation raises doubts.

Q5: What should I do if I’ve taken a loan from ProtopFin?
A: Stop payments, secure your bank accounts, report the app to the RBI Sachet portal or cybercrime authorities, and check your CIBIL score for any impact.

Q6: Are there safe alternatives to ProtopFin?
A: Yes, opt for RBI-approved loan apps like Fibe, Hero FinCorp, Bajaj Finserv, or NoBroker Insta Cash, which offer transparent terms and competitive rates.

Conclusion

The ProtopFin Loan App markets itself as a quick loan solution, but its 7-day fake loan scam, high interest rates, hidden charges, and Play Store removal expose it as a fraudulent app. User reviews, such as Raunak Alam’s, highlight its lack of transparency and harassment tactics, making it a risky choice for borrowers. By choosing RBI-registered loan apps and following our tips to identify fake loan apps, you can protect your finances and avoid scams. Stay informed, verify lenders, and borrow responsibly to ensure a safe loan experience in 2025.!

ramfincorp loan app review
30 Apr, 2025 By rahulrani90
Ramfincorp Loan App Review 2025: A Deep Dive into Reality

Let’s talk about the Ramfincorp Loan App – a name that’s been floating around lately, especially if you’re someone looking for quick loans in India. At first glance, it promises fast cash with a flashy interface, but does it really deliver? I decided to dig deeper, and trust me, what I found isn’t pretty. From sky-high interest rates to questionable practices, here’s the unfiltered truth about Ramfincorp in 2025, complete with real customer experiences and a hard look at their loan process.

The Loan Process: What They Show You

Ramfincorp markets itself as a savior for those in urgent need of money. Their app interface looks polished, and they dangle the carrot of “instant loan approvals” to lure you in. Take a look at this screenshot I came across:

Ramfincorp Loan Approval Screenshot

In this example, a user was approved for ₹12,500, but after a processing fee and GST of ₹2,455, the final amount credited was ₹10,045. The repayment amount? A whopping ₹16,250, due in just 32 days on May 28, 2025. That’s a massive jump – almost 62% more than what you actually get in hand! They also throw in a timer (2h:25m:6s in the screenshot) to pressure you into accepting the offer quickly, labeling it as a “special offer only for you.” Sounds tempting, but let’s see what users have to say.

Customer Experiences: The Real Story

I scoured recent reviews from April 2025 to get a sense of what actual users think about Ramfincorp, and the feedback is overwhelmingly negative. Here’s what people are saying:

  • K Mohan (April 27, 2025): “Please don’t install this app. Huge interest rates, even taking more number of times they are not increasing the limit. They are approving amount only ₹5800 and repayment amount is ₹8800, so total interest is 50%.” (19 people found this helpful)
    Mohan’s experience echoes the screenshot – the interest rates are absurdly high, and the loan limit doesn’t budge even for repeat users.
  • Gopal Pandey (April 28, 2025): “Very worst app. After each EMI paid on time, they have sent 34 days delay on EMI payment. My CIBIL has decreased by 86 points.” (6 people found this helpful)
    Gopal’s story is alarming. Timely EMI payments should boost your credit score, not tank it. This suggests Ramfincorp might be mishandling payment reporting, which can have serious consequences for your financial health.
  • Jaya Kumar (April 28, 2025): “Loan amount not credited in my account, but EMI 1st month debited in my bank account. Guys, be very careful, try to avoid this app.” (4 people found this helpful)
    Jaya’s experience raises red flags about the app’s reliability. If the loan isn’t credited but EMIs are deducted, that’s a major operational failure – or worse, a scam.
  • Mansoor Ahmad (April 27, 2025): “45, very bad and 3rd class app.” (12 people found this helpful)
    Mansoor’s review is short but speaks volumes about the app’s quality – or lack thereof.
  • Mahto, RR (April 26, 2025): “Very bad app 😕 log in nahi ho raha hai.” (27 people found this helpful)
    If you can’t even log in to manage your loan, how can you trust this app with your money?
  • Sunil Machhi (April 27, 2025): “Is this a fraud application? No person in this company should take any loan.” (9 people found this helpful)
    Sunil’s question is one many users seem to be asking. The lack of transparency and poor service make fraud a real concern.
  • Shailesh Meena (April 29, 2025): “Please never take loan from this application, this is a complete fraud application. The reason is behind fraud, for example, you take ₹10,000 loan from this application, you will receive only ₹8,650, then you need to pay after 30 days ₹12,450. It’s mean one month interest amount is around ₹4,000, literally this is insane interest rate. How Reserve Bank of India allows this application for loan requirement? Please dear Google Play Store, remove this application, they sell our important data to other fraudsters.” (1 person found this helpful)
    Shailesh’s detailed review highlights the predatory interest rates and raises a serious concern about data privacy. If they’re selling user data, that’s a massive breach of trust.

The Reality Check: Is Ramfincorp Worth It?

Let’s break this down. The app charges exorbitant interest rates – often 50% or more within a month, as seen in the screenshot and user reviews. That’s predatory lending at its finest. On top of that, there are reports of technical glitches (failed logins, non-credited loans), incorrect EMI reporting that damages your CIBIL score, and even potential data privacy violations. The customer reviews paint a picture of an app that’s not just unreliable but potentially fraudulent.

The Reserve Bank of India has been cracking down on such apps, but somehow, Ramfincorp is still operational in 2025. My advice? Steer clear. There are plenty of legitimate lending options out there that won’t charge you an arm and a leg or risk your personal data. If you’re desperate for a loan, look for RBI-regulated apps or traditional banks with transparent terms.

Final Verdict

Ramfincorp Loan App in 2025 is a hard pass. High interest rates, poor customer service, and serious operational issues make it a risky choice. The user reviews are a wake-up call – this app might do more harm than good. Save yourself the headache and look elsewhere for your financial needs.

oan App Review 2025: Uncovering high interest rates, fraud concerns, and poor user experiences. Read real customer reviews and see why you should avoid this app.

Searchable Keywords: Ramfincorp loan app review, Ramfincorp 2025, high interest rates loan app, Ramfincorp fraud, loan app customer reviews, predatory lending India, RBI loan app regulations

Searchable Keywords:Ramfincorp Loan App Review 2025: A Deep Dive into Reality

Let’s talk about the Ramfincorp Loan App – a name that’s been floating around lately, especially if you’re someone looking for quick loans in India. At first glance, it promises fast cash with a flashy interface, but does it really deliver? I decided to dig deeper, and trust me, what I found isn’t pretty. From sky-high interest rates to questionable practices, here’s the unfiltered truth about Ramfincorp in 2025, complete with real customer experiences and a hard look at their loan process.

The Loan Process: What They Show You

Ramfincorp markets itself as a savior for those in urgent need of money. Their app interface looks polished, and they dangle the carrot of “instant loan approvals” to lure you in. Take a look at this screenshot I came across:

Ramfincorp Loan Approval Screenshot

In this example, a user was approved for ₹12,500, but after a processing fee and GST of ₹2,455, the final amount credited was ₹10,045. The repayment amount? A whopping ₹16,250, due in just 32 days on May 28, 2025. That’s a massive jump – almost 62% more than what you actually get in hand! They also throw in a timer (2h:25m:6s in the screenshot) to pressure you into accepting the offer quickly, labeling it as a “special offer only for you.” Sounds tempting, but let’s see what users have to say.

apply 50,000 loan urgently 100% approval

Customer Experiences: The Real Story

I scoured recent reviews from April 2025 to get a sense of what actual users think about Ramfincorp, and the feedback is overwhelmingly negative. Here’s what people are saying:

  • K Mohan (April 27, 2025): “Please don’t install this app. Huge interest rates, even taking more number of times they are not increasing the limit. They are approving amount only ₹5800 and repayment amount is ₹8800, so total interest is 50%.” (19 people found this helpful)
    Mohan’s experience echoes the screenshot – the interest rates are absurdly high, and the loan limit doesn’t budge even for repeat users.
  • Gopal Pandey (April 28, 2025): “Very worst app. After each EMI paid on time, they have sent 34 days delay on EMI payment. My CIBIL has decreased by 86 points.” (6 people found this helpful)
    Gopal’s story is alarming. Timely EMI payments should boost your credit score, not tank it. This suggests Ramfincorp might be mishandling payment reporting, which can have serious consequences for your financial health.
  • Jaya Kumar (April 28, 2025): “Loan amount not credited in my account, but EMI 1st month debited in my bank account. Guys, be very careful, try to avoid this app.” (4 people found this helpful)
    Jaya’s experience raises red flags about the app’s reliability. If the loan isn’t credited but EMIs are deducted, that’s a major operational failure – or worse, a scam.
  • Mansoor Ahmad (April 27, 2025): “45, very bad and 3rd class app.” (12 people found this helpful)
    Mansoor’s review is short but speaks volumes about the app’s quality – or lack thereof.
  • Mahto, RR (April 26, 2025): “Very bad app 😕 log in nahi ho raha hai.” (27 people found this helpful)
    If you can’t even log in to manage your loan, how can you trust this app with your money?
  • Sunil Machhi (April 27, 2025): “Is this a fraud application? No person in this company should take any loan.” (9 people found this helpful)
    Sunil’s question is one many users seem to be asking. The lack of transparency and poor service make fraud a real concern.
  • Shailesh Meena (April 29, 2025): “Please never take loan from this application, this is a complete fraud application. The reason is behind fraud, for example, you take ₹10,000 loan from this application, you will receive only ₹8,650, then you need to pay after 30 days ₹12,450. It’s mean one month interest amount is around ₹4,000, literally this is insane interest rate. How Reserve Bank of India allows this application for loan requirement? Please dear Google Play Store, remove this application, they sell our important data to other fraudsters.” (1 person found this helpful)
    Shailesh’s detailed review highlights the predatory interest rates and raises a serious concern about data privacy. If they’re selling user data, that’s a massive breach of trust.

The Reality Check: Is Ramfincorp Worth It?

Let’s break this down. The app charges exorbitant interest rates – often 50% or more within a month, as seen in the screenshot and user reviews. That’s predatory lending at its finest. On top of that, there are reports of technical glitches (failed logins, non-credited loans), incorrect EMI reporting that damages your CIBIL score, and even potential data privacy violations. The customer reviews paint a picture of an app that’s not just unreliable but potentially fraudulent.

The Reserve Bank of India has been cracking down on such apps, but somehow, Ramfincorp is still operational in 2025. My advice? Steer clear. There are plenty of legitimate lending options out there that won’t charge you an arm and a leg or risk your personal data. If you’re desperate for a loan, look for RBI-regulated apps or traditional banks with transparent terms.

Final Verdict

Ramfincorp Loan App in 2025 is a hard pass. High interest rates, poor customer service, and serious operational issues make it a risky choice. The user reviews are a wake-up call – this app might do more harm than good. Save yourself the headache and look elsewhere for your financial needs.

ramfincorp

28 Apr, 2025 By rahulrani90
PayRupik Loan App Review: Is It the Right Choice for Instant Personal Loans?

Looking for a quick and reliable solution to meet your urgent financial needs? PayRupik, an instant personal loan app, claims to be your “best friend” for hassle-free borrowing. In this SEO-friendly review, we’ll dive into PayRupik’s features, eligibility, loan details, customer feedback, and whether it lives up to its promises. Let’s explore if PayRupik is the right online loan app for you.

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What is PayRupik?

PayRupik is an online instant personal loan platform by Sayyam Investments Pvt Ltd, a registered NBFC under the RBI. Trusted by over 5 million users, it offers quick cash loans ranging from ₹1,000 to ₹20,000 with a fully digital process. PayRupik emphasizes transparency, speed, and security, disbursing funds directly to your bank account in as little as 15 minutes.

Key Features of PayRupik:

  • Loan Amount: ₹1,000 to ₹20,000
  • Loan Tenure: 91 days to 365 days
  • Interest Rate: Up to 35% APR
  • Processing Fee: ₹80 to ₹2,000 (plus 18% GST)
  • 100% Online Process: No paperwork, fully digital application
  • Security: Data transferred via secure HTTPS connection
  • Disbursal Time: Funds credited within 15 minutes

How Does PayRupik Work?

PayRupik’s process is designed to be fast and user-friendly. Here’s how to get started:

  1. Download the App: Install the PayRupik app from the Google Play Store or Apple App Store.
  2. Create an Account: Sign up with basic details.
  3. Upload KYC Documents: Submit ID proof, address proof, and PAN card.
  4. Apply for a Loan: Choose your loan amount and tenure, and get instant approval.
  5. Receive Funds: Approved loans are disbursed to your bank account within minutes.

Eligibility Criteria:

  • Indian citizen
  • Age: 18+ years
  • Steady monthly income
  • Minimum annual household income: ₹3,00,000

PayRupik Loan Example

To understand the costs, let’s look at a representative example provided by PayRupik:

  • Loan Amount: ₹6,000
  • Tenure: 120 days
  • Interest Rate: 25% per annum
  • Interest Payable: ₹493
  • Processing Fee: ₹100
  • GST (18%): ₹18
  • Total Repayment: ₹6,611
  • APR: 30.97%

This breakdown highlights PayRupik’s transparency in displaying all charges upfront, helping users make informed decisions.

Parupik loan

Why Choose PayRupik?

PayRupik markets itself as a reliable and efficient loan app with several benefits:

  • Transparency: As an RBI-registered NBFC, PayRupik ensures clear terms and no hidden charges.
  • Instant Disbursal: Get funds in your account within 15 minutes, ideal for emergencies.
  • No Paperwork: The 100% online process eliminates the need for physical documents.
  • Data Security: Your personal information is protected with secure HTTPS encryption.
  • Flexible Tenure: Choose repayment periods from 91 days to 1 year.

Customer Reviews: What Are Users Saying?

While PayRupik boasts impressive features, customer reviews reveal mixed experiences. Here’s a summary of feedback from users:

Positive Feedback:

  • Quick Disbursal: Users like Ansh Panjwani appreciate the app’s fast loan disbursal process, making it convenient for urgent needs.
  • User-Friendly App: The digital application process is straightforward and efficient for many.

Negative Feedback:

  • Poor Customer Service: Multiple users, including Surendra Kumar and MUSHTHAQ KT, report unprofessional and unresponsive customer support. Issues like login problems and EMI repayment remain unresolved.
  • High Interest Rates: Nirbhay Shukla and others criticize the high interest rates and steep late fees, which can negatively impact CIBIL scores.
  • Loan Rejections: Surendra Kumar notes frequent loan rejections without clear reasons, even for users with timely repayments.
  • Harassment for Repayments: Users complain about excessive calls and harassment before repayment due dates.
  • Delayed or Failed Disbursals: Meta Tron highlights instances where confirmed loans were not credited, with no support from the team.

Common Complaints:

  • Unresponsive customer care (email: service@payrupikloan.in, phone: 0224-8930118)
  • High interest rates and fees
  • Technical issues with the app, such as login failures
  • Aggressive collection practices

Pros and Cons of PayRupik

Pros:

  • Fast and easy loan application process
  • Instant disbursal within 15 minutes
  • Transparent fee structure
  • Secure data handling
  • RBI-registered NBFC for credibility

Cons:

  • High interest rates (up to 35% APR)
  • Poor customer service responsiveness
  • Frequent loan rejections without explanation
  • Technical glitches in the app
  • Aggressive repayment reminders

Is PayRupik Safe and Legit?

Yes, PayRupik is a legitimate loan app operated by Sayyam Investments Pvt Ltd, an RBI-registered NBFC. It uses secure HTTPS connections to protect user data and complies with Indian financial regulations. However, user reviews suggest caution due to high interest rates, poor customer support, and aggressive repayment practices.

Should You Use PayRupik?

PayRupik is a viable option for those needing quick cash loans with minimal paperwork, especially for small amounts (₹1,000–₹20,000). Its fast disbursal and transparent terms are strong points. However, high interest rates, unreliable customer support, and negative user experiences raise red flags.

Our Recommendation:

  • Consider PayRupik if you need an instant loan and can repay on time to avoid late fees and CIBIL score impacts.
  • Explore Alternatives like Cred, MoneyTap, or KreditBee, which may offer better customer service and lower rates.
  • Read Terms Carefully: Understand the interest rates, fees, and repayment schedule before applying.

Contact PayRupik

For queries or support, reach out to:

  • Email: service@payrupikloan.in
  • Phone: 0224-8930118
  • Address: Agyathuri, Chamajali, Amingaon Guwahati, Kamrup, Assam 781031
Apply 200,000₹ loan instantly on aadhar card

Final Verdict

PayRupik offers a convenient solution for instant personal loans, but its high interest rates, poor customer service, and technical issues may outweigh the benefits for some users. Weigh the pros and cons, read user reviews, and compare with other loan apps before deciding.

Have you used PayRupik? Share your experience in the comments below to help others make an informed choice!

2 Apr, 2025 By rahulrani90
35 Best Instant Personal Loan Apps in India for Quick Cash in 2025

In today’s fast-moving world, financial emergencies don’t wait for anyone. Whether it’s a medical bill, a sudden trip, or a home repair, instant personal loan apps have become a lifesaver for millions in India. These digital platforms offer quick approvals, minimal paperwork, and funds credited to your account in minutes. With so many options available, choosing the right one can feel overwhelming. That’s why we’ve curated a list of the 35 best instant personal loan apps in India for 2025, blending convenience, affordability, and reliability. Let’s dive into the top picks that can help you tackle your financial needs with ease!

35 Best Instant Personal Loan App in india

Why Choose Instant Personal Loan Apps?

Instant loan apps have revolutionized borrowing in India by offering:

  • Speedy Approvals: Get funds in as little as 5 minutes.
  • No Collateral: Most apps provide unsecured loans.
  • Digital Process: Apply from anywhere, anytime, with minimal documentation.
  • Flexible Repayment: Choose tenures that suit your budget.

Now, let’s explore the top 35 apps that stand out in 2025 for their features, interest rates, and user-friendly experiences.

Top 35 Instant Personal Loan Apps in India

1. Moneyview

A trusted name in digital lending, Moneyview offers loans with a seamless online process.

  • Loan Amount: ₹5,000 – ₹10 Lakh
  • Interest Rate: Starts at 10% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Quick disbursal and affordable EMIs.

2. Bajaj Finserv

Known for its variety, Bajaj Finserv provides flexi loans and term loans with competitive rates.

  • Loan Amount: Up to ₹40 Lakh
  • Interest Rate: 10% – 32% p.a.
  • Tenure: Up to 96 months
  • Why Choose?: High loan limits and flexible repayment options.

3. IDFC First Bank

A user-friendly app perfect for salaried individuals seeking hassle-free loans.

  • Loan Amount: Up to ₹1 Crore
  • Interest Rate: Starts at 10.99% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Transparent process and fast approvals.

4. FlexSalary

Based in Hyderabad, FlexSalary is ideal for quick cash needs with easy EMIs.

  • Loan Amount: Up to ₹3 Lakh
  • Interest Rate: 18% – 30% p.a.
  • Tenure: 10 – 36 months
  • Why Choose?: No hidden fees and instant disbursal.

5. Navi

A digital-first lender, Navi promises loans in minutes with a simple interface.

  • Loan Amount: Up to ₹20 Lakh
  • Interest Rate: Starts at 9.9% p.a.
  • Tenure: Flexible based on eligibility
  • Why Choose?: Fully digital and rapid fund transfer.

6. IndiaLends

A premium app offering instant loans and credit score insights.

  • Loan Amount: Varies by profile
  • Interest Rate: Starts at 10.25% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Funds within 24 hours and low rates.

7. Hero FinCorp

Perfect for emergencies, this app offers a smooth, paperless experience.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Varies by eligibility
  • Tenure: Flexible options
  • Why Choose?: User-friendly and quick processing.

8. StashFin

Founded by financial experts, StashFin caters to small and large loan needs.

  • Loan Amount: ₹1,000 – ₹5 Lakh
  • Interest Rate: Starts at 11.99% p.a.
  • Tenure: 3 – 36 months
  • Why Choose?: Fast quotes and digital repayments.

9. LoanTap

A flexible loan app with no prepayment penalties.

  • Loan Amount: Varies by income
  • Interest Rate: Starts at 15% p.a.
  • Tenure: 6 – 60 months
  • Why Choose?: Transparent terms and EMI-free options after 6 months.

10. KreditBee

A popular choice for instant loans with a quick approval process.

  • Loan Amount: ₹1,000 – ₹5 Lakh
  • Interest Rate: 15% – 29.95% p.a.
  • Tenure: 3 – 24 months
  • Why Choose?: Disbursal in 10 minutes.

11. CASHe

A go-to app for salaried individuals needing urgent funds.

  • Loan Amount: ₹1,000 – ₹4 Lakh
  • Interest Rate: Starts at 2.5% p.m.
  • Tenure: Flexible
  • Why Choose?: Low rates and fast approvals.

12. PaySense

Partnered with top NBFCs, PaySense offers loans for various purposes.

  • Loan Amount: ₹5,000 – ₹5 Lakh
  • Interest Rate: 16% – 36% p.a.
  • Tenure: 3 – 60 months
  • Why Choose?: No collateral and easy application.

13. Trustpaisa Loan

A versatile app with competitive rates and multiple loan options.

  • Loan Amount: Up to ₹1 Lakh
  • Interest Rate: Starts at 35.99% p.a.
  • Tenure: Up to 12 months
  • Why Choose?: Instant disbursal and no hidden charges.
  • Who can Apply : Salaried and Self Employed Both

14. NIRA

Great for salaried professionals seeking a line of credit.

  • Loan Amount: ₹10,000 – ₹1 Lakh
  • Interest Rate: Varies by amount
  • Tenure: 3 – 12 months
  • Why Choose?: Quick and flexible credit line.
  • only for salaried

15. mPokket

Ideal for students and young professionals needing small loans.

  • Loan Amount: ₹500 – ₹30,000
  • Interest Rate: Starts at 2% p.m.
  • Tenure: Up to 3 months
  • Why Choose?: Minimal eligibility criteria.
  • students,salaried,self employed all

16. Tata Capital

A reliable NBFC offering instant loans with attractive rates.

  • Loan Amount: Up to ₹35 Lakh
  • Interest Rate: Starts at 10.99% p.a.
  • Tenure: Up to 72 months
  • Why Choose?: Secure and fast processing.

17. Fibe (EarlySalary)

A favorite for young earners with quick disbursal.

  • Loan Amount: ₹5,000 – ₹5 Lakh
  • Interest Rate: Starts at 16% p.a.
  • Tenure: Up to 24 months
  • Why Choose?: No prepayment charges.

18. InstaMoney

A fast loan app designed to ease financial stress.

  • Loan Amount: ₹5,000 – ₹50,000
  • Interest Rate: 24% – 48% p.a.
  • Tenure: Short-term options
  • Why Choose?: Disbursal in 2 hours.

19. SMFG India Credit

Affordable loans for salaried and self-employed individuals.

  • Loan Amount: Varies by eligibility
  • Interest Rate: Starts at 12% p.a.
  • Tenure: Flexible
  • Why Choose?: Tailored loan plans.

20. MoneyTap

A credit line app with instant access to funds.

  • Loan Amount: ₹3,000 – ₹5 Lakh
  • Interest Rate: 13% – 24% p.a.
  • Tenure: Up to 36 months
  • Why Choose?: Pay interest only on what you use.

21. LazyPay

A PayU-backed app for instant loans and BNPL options.

  • Loan Amount: Up to ₹1 Lakh
  • Interest Rate: Varies
  • Tenure: Flexible
  • Why Choose?: Easy repayments and quick access.

22. RupeeRedee

A speedy app for small, urgent loans.

  • Loan Amount: Up to ₹25,000
  • Interest Rate: Starts at 30% p.a.
  • Tenure: Up to 12 months
  • Why Choose?: Funds in 10 minutes.

23. Kissht

A strong player offering loans via BankSathi.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: Starts at 14% p.a.
  • Tenure: Up to 24 months
  • Why Choose?: No pre-closure fees.

24. Prefr

A digital loan app with competitive rates.

  • Loan Amount: Up to ₹3 Lakh
  • Interest Rate: Starts at 12% p.a.
  • Tenure: 12 – 48 months
  • Why Choose?: Simple and fast process.

25. InCred

A hassle-free app for salaried and self-employed borrowers.

  • Loan Amount: Up to ₹7.5 Lakh
  • Interest Rate: Starts at 15% p.a.
  • Tenure: 12 – 60 months
  • Why Choose?: Customizable loan add-ons.

26. RapidRupee

Perfect for small loans with no credit score requirement.

  • Loan Amount: Up to ₹20,000
  • Interest Rate: 12% – 36% p.a.
  • Tenure: Up to 12 months
  • Why Choose?: Funds in 30 minutes.

27. True Balance

A financial inclusion-focused app for quick loans.

  • Loan Amount: Up to ₹50,000
  • Interest Rate: Starts at 2.4% p.m.
  • Tenure: Flexible
  • Why Choose?: Minimal paperwork.

28. Home Credit

Offers loans with easy EMIs for all income groups.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 24% p.a.
  • Tenure: Up to 48 months
  • Why Choose?: Wide eligibility.

29. Paytm Loans

A popular app integrating payments and loans.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: 2.5% – 30% p.a.
  • Tenure: Varies
  • Why Choose?: Seamless app experience.

30. Credy

A quick loan app for salaried individuals.

  • Loan Amount: Up to ₹1 Lakh
  • Interest Rate: Starts at 1% p.m.
  • Tenure: Up to 12 months
  • Why Choose?: Simple and fast.

31. ZestMoney

A BNPL and loan app for instant credit.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: Varies
  • Tenure: Up to 24 months
  • Why Choose?: No-cost EMI options.

32. Slice

A modern app for young borrowers with a credit line.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 12% p.a.
  • Tenure: Flexible
  • Why Choose?: Rewards for timely payments.

33. Privo

An RBI-regulated app for instant loans.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 10% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Secure and fast disbursal.

34. NoBroker InstaCash

A unique app tied to rental services with quick loans.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 12% p.a.
  • Tenure: Up to 36 months
  • Why Choose?: Multi-purpose funding.

35. VIVA Money

India’s first line-of-credit loan app with 0% interest options.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: 0% – 36% p.a.
  • Tenure: Up to 51 days interest-free
  • Why Choose?: Innovative credit line.

How to Choose the Best Instant Loan App?

With so many options, here’s how to pick the right one:

  1. Interest Rates: Compare rates to find the most affordable option.
  2. Loan Amount: Ensure the app meets your funding needs.
  3. Repayment Tenure: Opt for flexibility that fits your budget.
  4. Eligibility: Check age, income, and credit score requirements.
  5. Reviews: Look for user feedback on reliability and service.

Final Thoughts

Instant personal loan apps in India have made borrowing faster and more accessible than ever. Whether you need a small sum like ₹5,000 or a larger amount like ₹40 Lakh, there’s an app for every need in 2025. From Moneyview’s affordability to VIVA Money’s innovative credit line, these 35 apps offer a mix of speed, convenience, and flexibility. Before applying, assess your financial situation and choose an app that aligns with your repayment capacity. Ready to get started? Download one of these top apps today and take control of your finances!

Get Loan From Zero Cibil App

24 Feb, 2025 By rahulrani90
Prime Lend Loan App Review 2025: A Closer Look at This 7-Day Fake Loan App

In the fast-evolving world of digital lending, apps like Prime Lend have emerged, promising quick and easy loans to users in need. With a polished description and claims of partnering with RBI-registered NBFCs like Premjee Truck Finance Co. Pvt. Ltd., Prime Lend markets itself as a legitimate platform. However, a deeper investigation reveals that Prime Lend is not what it seems. Despite its professional facade, it operates as a high-charge 7-day fake loan app, luring unsuspecting users into a trap of exorbitant fees and short repayment timelines. In this Prime Lend Loan App review for 2025, we’ll expose the reality behind its claims and highlight why you should steer clear of this deceptive service.

Prime Lend Loan App
Prime Lend Loan App

What Is Prime Lend Loan App?

Prime Lend presents itself as a platform that connects users with Non-Banking Financial Companies (NBFCs) rather than directly lending money. According to its description, it collaborates exclusively with Premjee Truck Finance Co. Pvt. Ltd., an RBI-registered NBFC, to ensure “safety and transparency.” The app boasts features like transparent fees, a 100% online application process, and a smooth web experience, with loan amounts ranging from ₹3,000 to ₹100,000 and terms between 120 to 365 days. On the surface, it appears to be a credible option for borrowers seeking quick financial assistance.

However, the reality diverges sharply from this polished narrative. Prime Lend is, in fact, a 7-day fake loan app notorious for its predatory practices. Despite its claims of longer loan terms, users report being pressured into repaying loans within just 7 days, coupled with hidden high charges that far exceed the advertised rates.

Prime Lend Loan App Features: What They Claim vs. Reality

Let’s break down the features Prime Lend promotes and compare them to what users actually experience:

1.Loan Term: 120 to 365 Days or Just 7 Days?

  • Claim: Prime Lend states that its loan terms range from 120 to 365 days, offering flexibility to borrowers.
  • Reality: Numerous users have reported that Prime Lend operates as a high-charge 7-day loan app. After approval, borrowers are given a mere 7-day repayment window, contradicting the advertised terms and creating immense pressure to repay quickly.

2. Loan Amount: ₹3,000 – ₹100,000

Claim: The app promises loans between ₹3,000 and ₹100,000 to cater to various financial needs.

Reality: While smaller amounts like ₹3,000 or ₹20,000 are disbursed, users often receive far less than requested, with the shortfall attributed to undisclosed upfront fees

3. Transparent Fees and Low Processing Costs

  • Claim: Prime Lend highlights a processing fee of just 1% and a maximum APR of 24%, emphasizing transparency.
  • Reality: The app hides additional charges, including exorbitant interest rates and GST fees that inflate the total repayment amount significantly. For a ₹20,000 loan, users might end up paying well over ₹25,000 in just 7 days—far from transparent or affordable.

Partnership with RBI-Registered NBFC

  • Claim: Prime Lend claims to partner with Premjee Truck Finance Co. Pvt. Ltd., an RBI-registered NBFC, to assure legitimacy.
  • Reality: There’s little evidence to substantiate this partnership. Many fake loan apps use the names of legitimate NBFCs to gain trust, but the actual operations do not align with RBI regulations, especially with the predatory 7-day repayment cycle and undisclosed charges

How Prime Lend Lures Users: The Trap of a Fake Loan App

Prime Lend’s description is carefully crafted to mimic legitimate loan apps. By mentioning an RBI-registered NBFC and offering seemingly reasonable terms like a 1% processing fee and a maximum APR of 24%, it appeals to borrowers desperate for quick cash. However, once users sign up, they encounter the hallmarks of a 7-day fake loan app:

  • Short Repayment Period: Instead of 120–365 days, loans must be repaid in 7 days, catching borrowers off guard.
  • High Charges: Hidden fees and inflated interest rates make the loan far more expensive than advertised.
  • Harassment Tactics: Users who fail to repay within the short timeframe report receiving threatening messages or calls, a common trait of fraudulent apps.
  • Data Misuse: Many fake loan apps, including Prime Lend, request excessive permissions (e.g., access to contacts and photos), raising concerns about privacy violations.

For example, the app provides a sample calculation for a ₹20,000 loan with a 180-day term, totaling ₹22,360 after fees and interest. In reality, users borrowing ₹20,000 might face a repayment demand of ₹25,000 or more within just 7 days, exposing the high-charge 7-day loan app nature of Prime Lend.

Why Prime Lend Is a High-Charge 7-Day Fake Loan App

Here’s why Prime Lend doesn’t hold up as a legitimate lending platform:

  • Mismatch in Loan Terms: Legitimate RBI-regulated NBFCs do not impose 7-day repayment terms for personal loans of this nature. The advertised 120–365 days is a bait-and-switch tactic.
  • Unregulated Practices: The high charges and lack of transparency violate RBI guidelines, which mandate clear disclosure of all fees and fair lending practices.
  • Lack of Verifiable Contact: The email provided (mail@affortabletech.com) is generic and unresponsive, a red flag for fake apps lacking genuine customer support.
  • User Complaints: Online reviews and forums in 2025 increasingly label Prime Lend as a scam, with borrowers citing unexpected charges and aggressive recovery tactics.

How to Spot and Avoid Fake Loan Apps Like Prime Lend

To protect yourself from apps like Prime Lend, follow these tips:

  • Check RBI Registration: Verify the NBFC’s credentials on the official RBI website. If the app’s practices don’t align with the NBFC’s standards, it’s likely a scam.
  • Read Reviews: Look for user feedback on platforms like Google Play Store or X to identify red flags.Avoid
  • Unrealistic Promises: Be wary of apps promising instant loans with no documentation or unusually low fees.
  • Examine Permissions: If an app requests access to your contacts or media files, it’s a potential data theft risk.
  • Demand Transparency: Legitimate lenders provide a clear loan agreement upfront, not after disbursement.

Prime Lend Loan App Review 2025: Final Verdict

In this Prime Lend Loan App review for 2025, it’s clear that despite its professional marketing, Prime Lend is a high-charge 7-day fake loan app designed to exploit vulnerable borrowers. The discrepancy between its advertised terms (120–365 days, 24% APR) and its actual practices (7-day repayment, hidden fees) reveals its deceptive nature. While it claims to partner with Premjee Truck Finance Co. Pvt. Ltd., the lack of evidence and predatory tactics suggest it’s operating outside regulatory norms.

If you’re seeking a legitimate loan, opt for apps partnered with well-known, RBI-registered NBFCs or banks, such as MoneyTap, KreditBee, or PaySense, which offer transparent terms and fair practices. Avoid Prime Lend at all costs—it’s a financial trap masquerading as a solution.

know more : Top 10 NBFC Loan App in India
Prime lend Direct Link 🔗🖇️
24 Dec, 2024 By rahulrani90
KamakshiMoney Loan App: Your Partner for Small Financial Needs

In today’s fast-paced world, not every financial requirement demands a hefty loan. Sometimes, a small amount is all you need to tackle unexpected expenses, pay utility bills, or buy that gadget you’ve been eyeing. That’s where KamakshiMoney Loan App steps in as the ideal solution.With a streamlined process designed for convenience, the app offers quick and hassle-free access to small loans.

Kamakshi Money Loan App
kamakshi loan app

Forget the lengthy paperwork – KamakshiMoney ensures minimal documentation and swift approvals so you can get the funds you need right when you need them. Whether it’s a sudden emergency or a planned purchase, this app is tailored to meet your financial needs efficiently.

RATES & CHARGES

  • Minimum loan amount – Rs 5,000 /-Maximum loan amount – Rs 2,00,000 /-
  • Tenure – 92 Days to 365 Days.
  • Processing Fee – @ 2% of loan amount*
  • No pre – Closure ChargesNo Prepayment Charges.
  • APR (Annual Percentage Rate) – @ 15% to 31%
  • Cheque Bounce Charges – Rs. 1000/-
Apply Now in Kamakshi Money

Is Kamakshi Money App NBFC Registered?

KamakshiMoney is digital platform and lending partners of AVA Finance Pvt. Ltd.(NBFC) that facilities its users to avail financial credit from AVA Finance Pvt Ltd. So We Can That It is NBFC Registered Personal Loan App Which Provides Small Loan Amounts

26 Oct, 2024 By rahulrani90
Sabka Loan App Review : Sabka Loan Apply Process 2024

हेलो दोस्तों क्या आप लोग भी Sabka Loan App से लोन अप्लाई करना चाहते है तो जानेंगे पहले की ये लोन एप्लीकेशन अच्छी है या बेकार है तो इस पोस्ट को आप लोग पूरा पढ़े

  • Sabka Loan कितना लोन देती है
  • Sabka Loan App ,NBFC कौन सी है
  • Sabka Loan Apply Process
  • Sabka Loan Customer Review
  • Sabka Loan App Customer Support

Sabka Loan App Basic Details

  • इस लोन ऐप की रेटिंग 4.2 स्टार की है एंड डाउनलोड 5 हजार है
  • इस लोन ऐप से आप 5000₹ से लेकर 1 लाख तक का पर्सनल लोन अप्लाई कर सकते है
  • ये लोन ऐप का ब्याज दर 36% तक का है
  • ये लोन ऐप एक NBFC रजिस्टर्ड हैं इसके nbfc का नाम है महाशक्ति फाइनेंस
Apply O CIBIL Personal Loan

सबका लोन ऐप Eligibility Criteria

  • आपके पास आधार कार्ड और पैन कार्ड होना चाहिए
  • 3 महीने का बैंक स्टेटमेंट लगेगा
  • एक्टिव बैंक अकाउंट होना चाहिए
  • सिबिल स्कोर 600 से ऊपर होना चाहिए
  • इस साइट्स से ही लोन अप्लाई करें

Sabka Loan App Charges

  • प्रोसेसिंग फीस 5% तक लग सकती है लोन। Amount की
  • ब्याज दर 36% तक ली जा सकती है सालाना

Sabka Loan App Real or Fake ?

दोस्तों यह एक बिल्कुल नई लोन एपलीकेशन है इस ऐप के अभी 5000 डाउनलोड ही हुए हैं लेकिन आने वाले समय में हमें पता चलेगा कि ये ऐप अच्छी है या बुरी है

SABKA LOAN Apply Link
20 Oct, 2024 By ravita pal
Yuva Personal Loan App से लोन कैसे ले Review 2024

Yuva is an instant personal loan app provided by RBI registered NBFC – YUVARAJ FINANCE PRIVATE LIMITED our goal is to convey a sence of youthful energy, dynamism, and forward thinking

Yuva personal loan app से लोन कैसे ले Review 2024
Yuva personal loan app
  1. Details and representative cost calculation :
  • Loan amount : up to 20,000 rs.
  • Repayment period : 61 – 365 days
  • Interest rate : 36% per annum
  • Fees : start at 99 rs.
  • Maximum annual percentage Rate : 97%

For example of the loan amount is 10,000 rs. With a repayment period of 93 days ( three installment in 31 days each) the interest is 36% per annum with a one time processing fee of 699 rs. The total cost of the loan will be 10,000 rs. 36% 93/365 (intrest) + 699 rs. (All fees applicable) = 917 rs + 699 rs = 1,616 rs. The total amount to be paid is 10,000 rs. + 1,616 rs. = 11,616 rs. So a monthly payment is 11,616 rs. 3 = 3,872 rs.

2. Eligibility rules for personal loan :

  • Indian adult citizen
  • valid pan card
  • Aadhar verification via digilocker
  • Monthly household income > 25,000 rs. And the annual income > 3,00,000 rs.
  • valid bank account details

3. Data Protection :

  • we comply with regulation rules and industry standards being the member of face ( fintech association for consumer empowerment )
  • Your data is encrypted, securely stored and can be requested to delete
  • We don’t transfer data to third parties
  • Yuva app does not ask for sensitive permission
  • For more details visit data safety section

4. Main features of yuva instant loan app :

  • Competitive products
  • easy to get user interface and modern design
  • Optimized process with minimum steps and information required
  • Various loan repayment options (UPI, wallet, card )
  • 24/7 customer support (Email, helpline, whatsapp chat)

5. Yuva Loan App Provides :

  • No hidden or upfront fees
  • Only necessary documentation
  • Fast decision
  • New to credit customers can be also considered
  • Higher loan amounts for repeat clients

How it works :

  • Register with phone number
  • Pick affordable loan amount and term
  • provide data for loan application and verify KYC
  • Recieve decision and sign loan agreement in case of positive one
  • Right away get money in your bank account

7. Any questions :

Please check app support section.

Worst ! Main reason behind single is loan money is not credited but loans is started and the notification already came for loan payment it had been more than 24 hours now but my loan sanctioned amount didn’t credited to my bank account I called coustomer support they assured me that loan amount will be credited to you with in few hours but it didn’t credited

Again I am trying to contact yuva customer care but now it’s not connecting to customer service it’s is ending call by itself

2 Jul, 2024 By ravita pal
Kosh Instant Loan App Loan review 2024:

Kosh Instant Loan App Review : kosh is a digital group loan app designed by Adhikosh Financial advisory Pvt Ltd (a delhi-headquartered Din tech company). We work with RBI registered NBFCs to provide group loans of upto Rs. 2 Lakhs at affordable interest rates as directe cash transfer. Kosh has partnered with NBFCs, licensed by the reserve Bank of India (RBI) and is totally secure.repay your loans conveniently through flexible EMI option and improve your CIBIL score.check your statement of accounts.

Kosh Loan App Review
kosh loan app review

KOSH LOAN APP KEY FEATURES

  • loan amount :Rs 20,000 to Rs 2,00,000
  • minimum annual percentage Rate (APR): 18%
  • maximum APR: 33% (reducing balance)
  • minimum repayment period: 6 months
  • maximum repayment period:12months
  • processing Fees: 2% (max ru.2000 incl GST)
  • prepayment Fees: Nil

Kosh App Charges Representation

  • Amount borrowed (principal) =ru.20000/-
  • interest rate (APR)=18%-33%
  • tenure =10 months
  • processing Fee= ru.400
  • Amount disbursed =19,600
  • your EMI amount =2315 (sample monthly payment based on PMT method)
  • interest amount=2315×10-20000=3150(sample interest calculation)
  • total cost of loan (including all applications fees ) =processing fee+ interest amount+principal=400+3150+20000=23550

Features OF KOSH LOAN APP

  • upto Rs 2 , 00,000 limit
  • instant money transfer to bank account
  • 100% paperless process
  • minimal documentation
  • flexible loan and EMI amount option
  • instant eligibility check

ELIGIBILITY quteria

  • applicant must be a indian citizen
  • age below 65 years
  • age above 20 years

DOCUMENT REQUIRMENT

  • pan number for cibil score check
  • Aadhaar number for address verification
  • salary slip / Employment for income verification

HOW TO Apply KOSH LOAN APP

  • install kosh loan app
  • register using your mobile number
  • add your group members for group loan
  • Fill your basic details to check your loan eligibility
  • choose the loan and EMI amount of your choice
  • complete the KYC with selfie and Aadhaar
  • Enter bank details for money transfer
  • loan approved and disbursed

Customer Care number of kosh loan app

Reach us at public@getkosh.com for any of your queries.or call at 8826790791

our office address is:

adhikosh financial advisory PVT. LTD.

plot 114, sector 44, gurgaon,

haryana 122003

25 Mar, 2024 By rahulrani90
20,000₹ Urgent Cash Loan For Emergency : Urgent Cash Loan App

if you are looking loan up to 20000 rupees on the basis of Aadhar Card and PAN card then this post is only for you in this post I will tell you a personal loan app which gives you loan instantly without incumb proof salary slip and bank statement this 20,000₹ urgent cash loan is very helpful for your emergency Situations

20,000₹ urgent cash loan
20,000₹ Urgent Cash Loan

Documents Required for urgent Cash Loan

  • you should have Aadhar card for address verification
  • you should have valid PAN card for cibil score check
  • applicant must be your Indian resident
  • applicants should have valid bank account
  • Applicant age must be more than 21 year
  • minimum cibil score 600 ( transunion cibil ) and 650 experiene cibil

Basic Details of 20,000₹ Urgent Cash Loan

  • The minimum loan amount of this loan application is 5000 and maximum loan amount of this is 10 Lakh Rupee
  • this is most rated application in Play Store and app store with 4.7 star rating and 10 million plus download
  • you can borrow loan from this application from 3 months to 60 months

Charges: interest rates , fees

  • Annual Rate of interest from 16% to 48% vary from customer to customer
  • Processing fee from 2% to 8%

How to Apply 20,000₹ Urgent Cash Loan

Apply Here : Get Loan in Bank Account

Fill Some Basic Details in 1 Step

Basic Details for personal loans

total 5 steps process of this loan apps this loan apps is working for both salaried as well self employed

Total 5 step process for this personal loan app
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