Paytm కొత్త సర్వీసులు.. వడ్డీ లేకుండా తక్కువ రుణం..!

కస్టమర్స్ కి గుడ్ న్యూస్ చెప్పింది పేటీఎం. డిజిటల్ పేమెంట్స్, ఫైనాన్షియల్
సర్వీసెస్ ప్లాట్‌ఫామ్ పేటీఎం paytm తాజాగా కొత్త సర్వీసులుని అందుబాటులోకి
తీసుకు వచ్చింది. ఇక దీనికి సంబంధించి పూర్తి వివరాల లోకి వెళితే.

పీటీఎం పోస్ట్‌పెయిడ్ మిని పేరు తో ఈ సరి కొత్త సేవలుని లాంచ్ చేసింది. బై నౌ..
పే లేటర్ సర్వీసులకు ఇవి ఎక్స్‌టెన్షన్ అని చెప్పొచ్చు. అయితే ఈ లోన్ ని ఎలా
ఇస్తారు..?, ఎలా పని చేస్తుంది అనే విషయాలలోకి వెళితే..

పేటీఎం తీసుకు వచ్చిన ఈ కొత్త సర్వీసుల్లో భాగంగా యూజర్లు తక్కువ మొత్తంలో రుణాలు
తక్షణం పొందొచ్చు. ఆదిత్య బిర్లా ఫైనాన్స్‌తో కలిపి పేటీఎం ఈ కొత్త సర్వీసులుని
తీసుకు రావడం జరిగింది.

ప్రస్తుత కరోనా ప్రతికూల పరిస్థితుల్లో ఈ సేవలని పొందడం వలన చాలా మందికి రిలీఫ్
గా ఉంటుంది. అయితే తీసుకున్న రుణాన్ని 30 రోజుల్లోగా తిరిగి చెల్లించాలి. వడ్డీ
ఉండదు.

ఇది ఇలా ఉంటే వార్షిక ఫీజులు, యాక్టివేషన్ చార్జీలు వంటివి కూడా ఉండవు. అంతే
కాదండి ఏ విధమైన కన్వీనియన్స్ ఫీజు కూడా చెల్లించాల్సిన అవసరం లేదు.
పోస్ట్‌పెయిడ్ మిని ద్వారా రూ.250 నుంచి రూ.1000 వరకు లోన్ తీసుకోవచ్చు. పేటీఎం
పోస్ట్‌పెయిడ్ ఇన్‌స్టంట్ క్రెడిట్ (రూ.60 వేల వరకు) ఇది అదనం. అయితే ఎవరైనా
నెలవారీ ఖర్చుల కోసం ఈ పోస్ట్‌పెయిడ్ మిని ద్వారా డబ్బులు పొందొచ్చు.

FAQs For Personal Loan

How can I apply?

We are enabling more and more active Paytm customers to avail Quick and easy
Personal Loan through Paytm! You can check your loan eligibility by searching
for “Personal Loan” on Paytm APP and clicking on the Personal Loan icon

You must be between 25-60 years of age to be approved of the loan .

What is the maximum amount I can borrow?

Personal Loan offers start from as low as Rs. 10,000 and upto 2 lakh. The
maximum amount can differ from person to person.

What are Details required to apply for personal loan? Is it simple?

Yes, it’s simple and application can be completed while sipping Coffee!

1. Start with your KYC and Occupation Details

2. Select Bank Account for Loan Disbursal and EMI Repayment Setup

How is my KYC conducted for Loan through Paytm?

KYC is completed through below steps

1. Using CKYC ID shared by Paytm Payments Bank to the lender upon your consent

2. Identifying CKYC ID basis PAN, and then downloading the KYC Data from
Central KYC Registry (CKYCR).

3. Via Paperless Offline Aadhaar XML

You may also be asked to take a selfie during the loan application and other
digital checks are performed to ascertain the correctness of your identity.

The overall KYC process requires zero documentation and can be finished within
few minutes.

How much interest will be charged?

Interest rate along with applicable EMIs is shown to you during the loan
application before availing the Loan.

Where will Paytm transfer my loan amount?

Your loan would be transferred to your preferred Bank Account that you select
during the loan application, and on which you have enabled the EMI repayment
for EMIs will also be deducted from same Bank Account once loan is active

What are the fees? Why should I pay them? Are there hidden fees?

Standard charges that are applicable are as follows

1. Processing Fee + GST

2. Late Payment Fee – Only in cases of delayed EMI payments

3. Bounce Charges – Only in cases of EMI instalment auto-debit bounce from
linked Bank Account

Amount received in your bank account is after Processing Fee deduction and GST
Invoice for the same will be sent on your preferred e-mail ID.

Who is the Lender offering the Loans through Paytm?

Paytm (One97 Communications Ltd) partners with various lenders to offer loan
services to it’s customers. The lender that is approving the Personal Loan
offer is shown on the Loan Offer screen, Loan Agreement as well as in the Loan
documents clearly.

The Credit Information companies such as CIBIL, Experian will also show the
Personal Loan with the same lender name.

You would have received the T&C document on your registered email address
post activation of your Personal Loan account. The T&C document mentions
the contact details of the lender.

Alternatively, you can find the detailed contact information of our registered
lenders below.

Name – Clix Finance India Private Limited

Phone – 1800 200 9898

Email – hello@clix.capital

Name – Arthimpact Digital Loans Private Limited

Email – help@happyness.net

Name – Hero FinCorp Limited

Email –
customer.care@herofincorp.com

All the Charges and Fees are shown clearly in the Loan Agreement

What happens if I don’t pay back OR miss EMI repayments on the Loan ?

We strongly urge customers to avoid missing their instalment payments.

1. Paytm, on behalf of Lender, will remind you through multiple channels to
make your instalment payment immediately if you have missed. A legal re-course
may also be taken.

2. You will be charged additional interest for Non-payment as per the Loan
agreement, which will increase your Loan balance. Till you pay the additional
balance, your loan will not be considered closed, and will lower your Credit
Score.

3. Paytm may consider to not provide additional loan offers in future.

4. Credit Score such as CIBIL, Experian will also reduce which will create
difficulty for banks to give you even Credit Card or 2-Wheeler or House loan
to you in future.

What documents will be shared with me during the loan and on closure?

Paytm, on behalf of lender, will provide you below documents 24X7 on the
registered e-mail ID

1. Welcome Letter (on loan activation)

2. Loan Agreement (on loan activation)

3. EMI Repayment Schedule (on loan activation)

4. Statement of Loan Account

5. GST Invoices for Charges paid

6. No Objection Certificate (on loan closure)

When would my EMI repayments start after Loan Disbursal? Is Gap Day Interest
applicable to me?

For Loans disbursed before Cut off date (i.e.15 th of month), First EMI date
would start from next month on EMI due date. Loan disbursed after Cut off date
, First EMI date would start from next to next month on EMI due date.

For Loan disbursals between 1st-4th of Month and 16- End of Month, Gap day
interest would be applicable as the interest amount for this period is not
included in scheduled EMIs repayments. An upfront Gap day interest is deducted
from the loan amount at the time of disbursement in these cases.