Table of Contents
Instant loan app 2023-2024
अगर हम बात करें भारत की तो हमें दिनचर्या के कारण होने वाले खर्चे का पता नहीं रहता कि कब कौन सा खर्चा आ जाए खासकर यह परेशानी ज्यादातर सैलरीड लोगों को होती है क्योंकि कभी-कभी खर्चा बजट से ज्यादा हो जाता है और बात करें कोविड-19 के बाद से तो बहुत बुरी हालत हो चुकी है जिसके कारण आपको कुछ और पैसों की हाथों हाथ जरूरत पड़ जाती है ऐसे में आप किसी से मांगते हैं तो वह आपको जल्दी नहीं दे पाता उसके कई कारण हो सकते हैं या तो रुपए उसके पास उपलब्ध नहीं होते हैं या वह खुद का खर्चा उठाने में नाकाम हो रखे होते हैं उसी के लिए ऐसे कुछ एप्लीकेशन बनाए जाते हैं जिसमें आपको इमरजेंसी जरूरत या जरूरत के हिसाब से जरूरत कब आ जाए इसका पता नहीं होता तो आप इन एप्लीकेशन से इंस्टेंट अप्लाई करके आप पैसे उधार ले सकते हैं और समय सीमा में आप उन्हें ब्याज के साथ वापस दे सकते हैं इससे यह फायदा होता है कि आपको किसी के सामने मांगने की जरूरत नहीं पड़ती और आपका काम भी हो जाता है।
इसी को देखते हुए हम आज बात करेंगे कुछ एप्लीकेशन को जो हमारे द्वारा लिया गया है और काफी कस्टमर के द्वारा सुझाया गया बेस्ट एप्लीकेशन है जो इंस्टेंट आपको लोन उपलब्ध करा सकता है कभी कोई दिक्कत के कारण कुछ देरी हो सकती है मगर ओवरऑल यह आपको इंस्टेंट लोन उपलब्ध कराते हैं ऐसे कोई अगर आप लोन लेते हैं तो आपको यह जरूर देख लेना चाहिए कि जहां से आप लोन ले रहे हैं वह कितना पुराना और कितना विश्वासी एप्लीकेशन है और उसकी जानकारी पूरी ले लेनी चाहिए उसके बाद ही आपको लोन के लिए अप्लाई करनी चाहिए क्योंकि वहां पर आपके कुछ डाक्यूमेंट्स आपको देने होते हैं जिसके बदली आपको वह इंस्टेंट लोन उपलब्ध करा देते हैं ।
कुछ एप्लीकेशन के नाम जहां से आप इंस्टेंट लोन ले सकते हैं-
- KreditBee
- Cashbean
- Money tap
- Dhani
- Nira
Top picks – कुछ इंसटेंट लोन के मुख्य कारण
- Kreditbee- Over all good
- CASHe- Best budget
- Money tap- Low intrest rate
- Paysense- Best instant
- Cash bean – instant
KreditBee – Instant Personal Loan App Online Loan 2023- 2024
इस पर अप्लाई करने के बाद आपको कुछ ही मिनट के अंदर आपको आपका लोन आपके खाते में मिल जाएगा
Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months
कितने प्रकार के लोन क्रेडिटबी से मिल जाते हैं
👉 Flexi Personal Loan – Avail small loans ranging from ₹1,000 to ₹10,000 with short repayment tenures (62 days to 6 months). One requires a PAN Card and address proof to benefit from a flexible loan option.
👉 Personal Loan for Salaried – Avail salary loan options starting from ₹10,000 to ₹2 Lakhs with tenure ranging from 3 to 15 months. All you need is PAN Card, address proof and salary proof to apply for salaried loans.
👉 Online Purchase Loan – KreditBee comes with a Buy Now, Pay Later EMI option. In such loans one avails E-vouchers from KreditBee which can be used to purchase on partner platforms like Flipkart, Amazon, Myntra, Nykaa, Make my trip & more.
Personal Loan for Salaried
Loan amount: ₹ 50,000
Tenure: 12 months
Interest Rate: 20% per annum
Processing Fee: ₹ 1,250 (2.5%)
New customer onboarding Fee: ₹ 200
GST on Processing and Onboarding Fees: ₹ 261
Total Interest: ₹ 5,581
EMI: ₹ 4,632
APR: 23.2%
Loan amount is ₹ 50,000. Disbursed amount is ₹ 48,289.
Total loan repayment amount is ₹ 55,581
Eligibility
1. Applicant should be an Indian resident
2. Above the age of 21 years
3. Should have monthly source of income
How to get started | आप लोन किस तरीके से ले सकते हैं
1. Install KreditBee app
2. Create your account
3. Fill your basic details to check first level eligibility
4. Upload KYC documents – ID, Address Proof & PAN card
5. Avail Loan as bank transfer or E-voucher as per your request
Why KreditBee– क्रेडिटबी से लोन क्यों लेना चाहिए
✔ Instant loan approval: Instant personal loans are approved within 15 minutes from registration to direct bank transfer.
✔ Shopping EMIs: Avail online purchase EMI loans for categories like fashion, electronics, travel, furniture & more.
✔ Transparency with customers: Loans from RBI certified NBFCs/Banks are made available to our customers.
✔ Flexible Interest rate: Varied interests starting from 0% to 29.95% per annum.
Kreditbee – Full Address, contact numer and queries
16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka 560008 India
Mail: help@kreditbee.in
Call: 08044292200
CashBean – Personal Loan by PC Financial 2021
कैशबीन में अप्लाई करने के कुछ ही मिनट बाद आप अपने खाते में पैसे ले सकते हैं
Loan Amount: from Rs 1,500 to Rs 60,000;
Loan Tenure: from 3 to 6 months;
Interest Rate: 0.07% per day (25.55% per annum);
Processing Fee: Ranges from Rs 90 ~ Rs 2,000 for one-time charge, which depends on the loan amount and the application details;
GST: 18% of the Processing Fee in accordance with the policy and laws of India;
APR: Up to 74.2% (Annual Percentage Rate including Interest, Processing Fee and GST)
EXAMPLE
For a 6-month loan of ₹10,000 for 180 days with interest rate @25.55% per annum,
Interest = ₹10,000 * 25.55% / 365 * 180 = ₹1,260;
Processing Fee = ₹620;
GST = ₹620 * 18% = ₹111.6;
The total amount to be paid = Loan Amount + Interest + Processing Fee + GST = ₹10,000 + ₹1,260 + ₹620 + ₹111.6 = ₹11,991.6;
APR = (₹11,991.6 – ₹10,000) / ₹10,000 / 180 * 365 = 40.39%;
CashBean is India’s leading digital lending mobile based personal loans platform. CashBean is a product of P C Financial Services Private Limited, registered under RBI. We aim to meet customer’s financial needs for various requirements ranging from purchase of mobile phones, medical needs, bill payments etc.
कैशबीन से आप किस तरीके से लोन अप्लाई कर सकते है – How it works？
1. Install the CashBean App from the Play Store
2. Register an account
3. Select the product you would like to apply for
4. Fill out the contents, then submit the application
5. After the submission, you may receive a call for verification. The final application result will be shown in the APP and you will be informed by SMS if approved
6. Provide the consent with the loan agreement after the approval
7. After the confirmation of the loan agreement, the approved loan amount will be disbursed in the account and a SMS notification will be sent.
कैशबीन से आपको लोन क्यों लेना चाहिए- Why CashBean?
1. No credit history required
2. Paperless and digital process on your mobile
3. Get 24*7 access to loan anytime, anywhere
4. Efficient Application Review
5. Disburse to your connected account once approved
6. Available Pan India
7. As the credit score grows, the sanctioned amount gradually increases
8. Variety of convenient repayment options
Eligibility
1. Indian Resident
2. 18-56 years old
3. Source of a monthly income
Cashbean – Full address ,Email, contact and details
Customer Service Email: cashbean.help@pcfinancial.in
Customer Service Hot line: 18005728088, 0124-6036666
Address: Building RZ-2, Pole No-3, G/F, Near HDFC Bank, Kapashera, New Delhi-110037COLLAPSE
Money Tap – Credit Line & Loan 2023 – 2024
Money Tap से आप किस तरीके से लोन ले सकते हैं उसकी जानकारी इस प्रकार है
● Borrow any amount/sum of money (starting at ₹3000) from your approved Credit Line (of up to ₹5 Lakh)
● Pay interest only on the amount you use
● Instant personal loan without any risk
● Make UPI transactions from your credit line
● Fully digital, paperless experience
● Select your own flexible EMIs & pay later
● Simple app for money credit & quicker than any Indian bank
For ₹1,00,000 personal loan borrowed for 1 year, with interest rate @13% per annum*, a user would pay:
> Processing fee (@ 2%) = ₹2,000 + GST = ₹2,360
> (Line setup fee of ₹499+GST = ₹588/- to be paid before starting the credit line)
> Interest = ₹7,181
> EMI = ₹8,932
Total amount to pay later after a year = ₹1,10,129/-
*Interest Rate varies based on your risk profile
The maximum Annual Interest Rate can go up to 36% (However, only a fraction of our customers get an interest rate higher than 30% per annum)
Money Tap लोन के लिए आपको कौन से डॉक्यूमेंट की जरूरत पड़ेगी- Documents required
● Aadhaar number
● Identity proof (Driving licence/Voter ID/Passport/Aadhaar/PAN)
● Address proof (Driving licence/Voter ID/Passport/Aadhaar/Utility bills/bank statements)
● Original passport photo/selfie
● You can get a personal loan online on your Aadhaar card. E-sign your application with registered mobile OTP for fast-tracked application
Apply online loan- Money Tap loan
Get an instant personal loan in 3 simple steps:
● Simply log on to the MoneyTap credit line app, enter information such as age, city, PAN, and income, and check your eligibility
● Complete KYC verification, submit documents online
● Transfer money to the bank account from the approved amount
Best student loan
पशु पालन लोन
Dhani -Medicines, Cards, Credit, Payments & Stocks 2023 -2024
धानी एक ऐसा लोन एप्लीकेशन है जो काफी लोगों को इसने बहुत अच्छे लोन उपलब्ध कराए हैं अभी यह मेडिकल सेक्टर में भी काम कर रहा है और स्टॉक के अंदर भी यह काम कर रहा है इसकी पूरी जानकारी देखते हैं
Dhani is a one-stop-shop for all your financial & healthcare needs. You can get yourself an instant card credit limit up to 5,00,000, Free Cashback Card, Free Health Card, DEMAT & Unlimited trading account, an instant doctor consultation, and up to 50% off on medicines. You can also manage all your bill payments, travel bookings and can shop with the Dhani Wallet or RuPay Card. Get ₹2,500 to ₹ 5 lakh @ 0% Interest, payable in 3 months, and available in highly affordable subscription plans starting from ₹ 125!
No-EMI Loan – An interest-free credit line that can be availed at zero processing fees. It offers you the convenience of No-EMIs with only the principal amount to be paid back after 90 days.
अगर आपको जरूरत है इंस्टेंट लोन की तो 5000 तक का लोन धनी आपको उपलब्ध करा देता है इसमें कई तरीके के कार्ड आप बना सकते हैं जो कि आपको कैशबैक में भी काम आते हैं ट्रैवल के लिए काम आते हैं और भी कई प्लेटफार्म उसके लिए अभी धानी कार्य कर रहा है
Personal Loan Example:
For an instant loan of ₹ 5,000:
Interest Rate: 0%
Tenure: 3 months
Subscription Fee: ₹199
Additional Fees: Not Applicable
Total Cost of Loan: ₹ 5,199
Note: Total cost of loan in this illustration is considered basis the customer using the entire ₹2,500 provided as a credit limit within 1 month.
Dhani -Customer Care Team on 0124 6165 722 or email us at support@dhani.com
NIRA-Loan App for Instant Personal Loan Online 2023 – 2024
नीरा एक इंस्टेंट लोन एप है जहां पर आप अप्लाई कर के एक लाख तक का लोन ले सकते हैं आइए जानते हैं
Loan Amount: Rs 5,000 to Rs 1,00,000
Minimum Annual Percentage Rate (APR): 24%, Maximum Annual Percentage Rate: 36% (reducing balance)
Minimum repayment period: 90 days, Maximum repayment period: 24 months
Processing Fees: Max (₹350 + GST, Up to 2%-7% of loan amount plus GST)
Prepayment Fees: 3.0% prepayment amount
Late fee: In case overdue exceeds 30 days, you’ll be charged Rs.500. Maximum late fee charged would be Rs.1000 if overdue exceeds 90 days. Your bank may also levy charges in case of a bounce.
Example
✔ Amount Borrowed (Principal) = ₹14,999/-
✔ Interest Rate (APR) = 36% (on Reducing Principal Balance interest calculation)
✔ Tenure = 6 months
✔ Processing Fee (incl. GST) = ₹826
✔ Amount disbursed = ₹14,173
✔ Your EMI amount = ₹2769 (based on PMT method, sample monthly payment)
✔ Interest amount = ₹2769 x 6 – ₹14999 = ₹1614(sample interest calculation)
✔ Late Fee = ₹0 if paid on time
✔ Total Cost of Loan = Processing Fee + Interest Amount + Late Fee = ₹826 + ₹1614= ₹2440
✔ Principal repayment amount = ₹14,999/- (same as amount borrowed)
✔ Total repayment amount = Principal repayment amount + Interest Amount + Fee = ₹14,999 + ₹1614 + ₹0 = ₹16,613
NIRA ऐप से आपको क्यों लेना चाहिए ?
1. Repay in affordable EMIs of 3 to 24 months
2. Get money in bank account in 24 hrs
Nira loan Eligiblity
1. Salaried with min income of Rs.12,000 per month
2. Age between 22-59 years
Steps for availing an Instant Personal Loan from NIRA :
1. Fill quick application form on our app. Receive loan approval decision on qualification instantly.
2. Once you qualify, upload
3 months bank statements
Most recent payslip
Aadhaar card (you can e-sign your loan agreement in our Aadhar Card Loan App)
PAN card
Selfie
3. Get instant cash in your bank a/c and Money tap away
Nira loan address, contact and emil
support@nirafinance.com.
office is located at – NIRA, 2nd floor, UrbanVault Indiranagar, 2024, 16th Main Rd, HAL 2nd Stage, Kodihalli, Bengaluru, Karnataka 560008
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