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About Us

Our Relationship

Paisaintime is a premier brand under the umbrella of Sawalsha Leasing & Finance Private Limited. As a dedicated arm of our parent company, Paisaintime focuses on providing specialized lending solutions tailored to meet the diverse financial needs of individuals and businesses.

About Sawalsha Leasing & Finance Private Limited

Sawalsha Leasing & Finance Private Limited is a trusted name in the financial sector, known for its commitment to innovation, customer-centricity, and integrity. As a leading Non-Banking Financial Company (NBFC) in India, we are dedicated to fostering financial growth and inclusion across the nation.

Paisaintime: A Specialized Lending Solution

Paisaintime represents our commitment to delivering accessible, efficient, and user-friendly financial services. As a specialized brand within the Sawalsha Leasing & Finance family, Paisaintime offers a range of lending solutions designed to cater to the unique requirements of our clients.

Our Commitment

At Sawalsha Leasing & Finance, we are committed to empowering our clients with financial solutions that drive growth and success. Paisaintime is a critical component of this commitment, offering specialized lending services that are both accessible and effective

Together, Sawalsha Leasing & Finance Private Limited and Paisaintime are paving the way for a financially inclusive and prosperous India. Our clients can rely on us for reliable, innovative, and customer-centric financial solutions that help them achieve their financial goals.

Why Us?

We provide the fastest and easiest loan approvals with minimum documentation powered by a team of experienced professionals throughtout the country.

Get your loan in just 4 steps

The money will be in your account after you completed your application and we have carried out our checks.
  1. Apply Loan

    Fastest Loan Approvals

    fill form
  2. eligibility check

    Eligibility Check

    Hassle free mechanism

  3. Document Collection

    Online document collection

    doc check
  4. approval check

    Loan Approval

    Quick loan disbursment

Loan Criteria

The following loan criteria is followed by us.
Loan Amount - ₹40,000 to ₹2,00,000
Interest Rate - Up to 36% per annum
APR - 36% Max
Age - 21 to 55 years
Late payment fee - as applicable ( Charged only, If repayment is delayed )
Processing Fee - Up to 5%
Loan tenure - 90 days to 180 days
Pre-closure charges – As applicable

Sample Loan Calculation

This is an example calculation for a loan of ₹30,000 for 90 days at 30% interest rate.
Loan Amount : ₹30,000 at Interest rate of 30% p.a.
Loan Duration : 3 months
Total loan interest : ₹ 2,250
Processing fees (PF) + GST : ₹ 500 + ₹ 90 = ₹ 590
Total Deductibles : (PF + GST) - ₹ 590
In-Hand Amount: Loan Amount - Total Deductibles = ₹ 30,000 - 590 = ₹ 29,410
Total repayable Amount : (Loan Amount + Interest) - ₹ 32,250
Monthly EMI Repayable : (Loan Amount + Interest / No of EMI’s) - ₹ 10,750
PF + GST are deducted upfront during the loan disbursal.

Blogs

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Why Short-Term Loan Is Better Than Borrowing Money From Others

By Nidhi Sharma

Read Blog
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How CIBIL Score Is Essential For Personal Lending

By Nidhi Sharma

Read Blog
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What Is Digital Lending? 5 Tips To Keep In Mind

By Nidhi Sharma

Read Blog

Testimonials

Here is what our customers have to say about us

Frequently Asked Questions

Is there any registration activity, to begin with, during the Loan process?
What is the maximum amount of loan I can apply for?
By when can I receive a loan if applied for the same?
What do we offer to our customers?

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