• Drop a line

    info@paisaintime.com

  • Call for help

    +91-9986-734-604

  • K.G Marg, Connaught Place

    Delhi 110001 IN

Quick , Easy & Paperless Disbursal

Only KYC and financial documents are required

Any one document along with pan card

Aadhar Card, Passport, Voter id card

Any one of the below documents along with Bank Statement

Salary Slip , ITR

Eligibility

  • Applicant should be an Indian Resident, age between 22 to 55 years.

  • Applicant should have all officially valid identity and address proof.

  • Applicant should have Income source with valid documentary proof.

  • Cibil Should be 700 and above.

Fees & Charges

Processing Fee Up to 5% + GST
Tenure 90 Days to 180 Days (3 Months & 6 Months)
Rate Of Interest 36 % PA
APR 36 % Max.
E Nach Return Rs. 500 +GST
Overdue EMI As applicable
Pre closure As Applicable

Loan Benefits

Loan Model

Loan Criteria


  • 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


  • Loan amount - ₹ 30,000 at interest rate of 30% p.a.

  • Loan Duration - 3 Months

  • Total personal 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.

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