सोमवार, 31 अक्टूबर 2022

Achieve Your Goals With IIFL Personal Loan

Personal Loan
Click to apply 

IIFL Finance customized personal loans are designed around your capital requirements with a hassle-free application process. This quick personal loan can accomplish your plans such as marriage, vacations, home renovation and much more. With IIFL Finance’s best personal loan in India, you do not have to compromise on your bucket list!

IIFL Personal Loan up to 5 Lakh is designed to ensure that you get express disbursal into your account in just a few hours.

IIFL Finance’s personal loan comes with attractive, affordable, and lowest interest rates to help you raise funds instantly. When you apply to get an instant personal loan , it is processed in less than 5 minutes without any extensive documentation. The personal loan EMIs are flexible and allow for better liquidity and easy achievement of set personal goals.


Benefits of IIFL Personal Loan

IIFL Finance’s personal loan is a comprehensive product that offers instant funds up to Rs 5 lakh with a quick disbursal process. The funds can be used to fulfil capital requirements for domestic or international vacations, weddings, buying the latest gadget, pursuing higher education, purchasing a vehicle or even home renovation. As IIFL is one of the leading financial companies in India, their personal loans offer the highest monetary value.


Age
23 years to 65 years*

Employment
Salaried Employees & Self Employed Individulas

‌CIBIL score
750 or higher

Monthly salary
Starting Rs. 22,000, based on your city of residence


IIFL Finance customized personal loans are designed around your capital requirements with a hassle-free application process. This quick personal loan can accomplish your plans such as marriage, vacations, home renovation and much more. With IIFL Finance’s best personal loan in India, you do not have to compromise on your bucket list!

IIFL Personal Loan up to 5 Lakh is designed to ensure that you get express disbursal into your account in just a few hours.

IIFL Finance’s personal loan comes with attractive, affordable, and lowest interest rates to help you raise funds instantly. When you apply to get an instant personal loan , it is processed in less than 5 minutes without any extensive documentation. The personal loan EMIs are flexible and allow for better liquidity and easy achievement of set personal goals.


Personal Loan EMI Calculator

Calculate your EMI and choose the most suitable product for you

EMI CALCULATOR

Loan Amount

₹ 5 K₹ 50 L

Time to Repay (Tenure)

Years

0.25 YEARS3.5 YEARS

Rate of Interest

11.75 %34 %

‌Your EMI Amount

₹ 4,752

‌Total Payment

₹ 57,027

‌Interest Payable

₹ 7,027

APPLY NOW

Benefits of IIFL Personal Loan

IIFL Finance’s personal loan is a comprehensive product that offers instant funds up to Rs 5 lakh with a quick disbursal process. The funds can be used to fulfil capital requirements for domestic or international vacations, weddings, buying the latest gadget, pursuing higher education, purchasing a vehicle or even home renovation. As IIFL is one of the leading financial companies in India, their personal loans offer the highest monetary value.

IIFL Finance Personal Loan FeaturesProduct Features for Personal Loan:


Get Loans ranging from INR 5,000 to INR 5,00,000


100% online loan process - Only PAN, Aadhar & Bank Statement required


Disbursal within 24 hours


Rate of Interest - 11.75% - 33.75%


Minimum tenure is 03 months & maximum tenure is 42 months


Processing Fee is 2% - 4 %


Get a higher loan on successful repayment

Loan Amount: ₹20,000Tenure:180 days (6 months)Interest Charged: ₹ 1,426 (24% per annum)Processing Fee: 590 (2.5% of Loan Amount- 500 + GST @18%= 90)Amount Disbursed- 19,410EMI Amount: ₹ 3,571Loan amount is ₹ 20,000. Disbursed amount is ₹ 19,410. Total loan repayment amount is ₹21,426.

*The annual interest rates and processing fee will vary as per the risk profile of the customers and the selected tenure.

How to apply for a personal loan from IIFL Finance

IIFL’s personal loan application is easy, quick and hassle-free. All you have to do to get an instant personal loan is:


Fill the basic details.


Upload KYC documents.


Choose the Personal Loan Amount.


Click on ‘Submit’ to complete your application.

Personal Loan Rates and Charges

The rates and charges are predefined and are presented with utmost clarity to ensure there are no hidden costs. The loan process ensures that you understand the amount you will have to pay to avail of the personal loan online, and how you can calculate your loan EMI.

With a customer-oriented and transparent loan process, you do not have to pay more than the pre-communicated rates and charges.

INTEREST RATE0.79% onward p.m.
(6.48% - 27% p.a.)

Rates vary according to the amount and tenure & Purity

PROCESSING FEE₹0 onwards

Varies depending on scheme availed

MTM CHARGES₹500.00

Valuing an asset to reflect its current market rate

READ MORE

Personal Loan Eligibility Criteria.


Age

23 years to 65 years*


Employment

Salaried Employees & Self Employed Individulas


CIBIL score

750 or higher

Monthly salary
Starting Rs. 22,000, based on your city of residence

What are the Documents Required forPersonal Loans

To ensure the highest customer safety and quick personal loan disbursal, the loan process requires some identity proof of the borrower.

Accepted documents:
Valid KYC through government-issued documents such as PAN Card, Aadhar Card, and Driving Licence along with a selfie.
Three months of bank statements for income proof.
Debit Card or Net Banking details for setting up e-mandate.
eSign or eStamp for quick personal loan disbursal.








IIFL BUSINESS LOAN IN 10 MINUTES


Business loans are vital for entrepreneurs looking to kickstart or expand their businesses. IIFL Finance’s range of financial products has continually innovated to cater to businesses that seek funds. IIFL Finance’s small business loan is designed to fulfil capital requirements for small and medium enterprises. The MSME business loan is a comprehensive product that offers quick funds to help you grow your small business and invest in vital infrastructure, machinery, plants, operations, advertising, marketing etc.

IIFL Finance’s online business loan is the ideal loan for a new business as a source of capital for all your business needs. The business loan interest rate is attractive and affordable to ensure you do not have to cut down on essential expenses of your business. Through extensive market research, the instant business loan process is tailored to ensure that it is at par with being the best business loan in India.





IIFL Finance offers an instant MSME loan perfect for small financial requirements. It is a 100% online process from application to disbursement. You do not need to visit any branch. Without the need for pledging assets and collateral, the small business loan is ideal for small businesses to avail of benefits such as:

Business Loan Eligibility Criteria
1.Established business operating for more than six months at the time of application.
2.Minimum turnover of Rs 90,000 in the last three months from the time of application.
3.The business does not fall under any category or list of blacklisted/excluded businesses.
4.The office/business location is not on the negative location list.
5.Charitable organisations, NGOs, and trusts are not eligible for a business loan.

Accepted documents:
Documents for 30 LakhsKYC documents – Identity proof and address proof of the borrower and all co-borrowersPAN Card of borrower and all co-borrowersLast (6-12 Months) months bank statement of main operative business accountSigned copy of standard terms (term loan facility)Additional document(s) may be required for credit assessment and processing of loan requestGST Registration.Previous 12 months’ bank statementsProof of business registrationPAN Card and Aadhar Card copy of the Proprietor(s).Deed copy and company PAN Card copy in the case of partnerships

बुधवार, 12 अक्टूबर 2022

Need A Business Loan?

 

 Business Loan 

 What is a Business Loan

A business loan can be availed by a business man with the intention of using it for expanding an existing business and infuses capital. This is an unsecured loan wherein no collateral is involved.

 Who can avail a Business Loan? Business loans can be availed by self- employed individuals as well as firms and companies. Many Traders like retailers, wholesalers, Manufacturers in industries like chemicals, automobiles and pharmaceuticals, Service providers like doctors, chartered accountants and engineers also look for a business loan.

Forms Of Business Loans:

Term Loan : A short term finance in from of term loan lend by leading Banks and NBFC’s for a period ranging from 3 to 5 years. Overdrafts : A short term finance in form of a limit extended by Banks wherein only interest is paid on the amount utilized by the customer. Net Profit : A type of loan based on Net Profit (latest 2 years) of organisation Banking : A type of Loan based on Latest 1 year Banking statement of any organisation GST Returns : A type of Loan based on GST Returns(1 year) of an organisation.

1. Types of Clients : a) Self Employed (Professional) b) Self Employed (Business) 

2. Documents Required : 

a) Self Employed (Professional) :  

• In case of    Proprietor : PAN Card and Aadhar Card   

Partnership : PAN Card and Aadhar Card of all the Partners   

Private Company : Company's Pan card, KYC's of all Directors (PAN Card and Aadhar Card)  

• Last 3 years    Income Tax Returns along with the computation of Income , CA Certified/Audited Balance Sheet and Profit & Loss Account with all Schedules/Annexures  

• If audited then Audit report along with directors report, 3CB/3CD of latest 3 years  

• Business Stability Proof (Shop & establishment certificate / Trade license certificate / Factory registration certificate)  

• In case of    Company : Memorandum & Articles of Association   Partnership Firm : Partnership Deed  

• All bank statement of latest 1 Year  

• GST Registration Certificate  

• Ownership Proof (Residence/office) 

b) Self Employed (Business) :  

• In case of    Proprietor : PAN Card and Aadhar Card

3. Criteria : 

a) If Self Employed (Professional) : 

 • Minimum Net Profit per annum - Rs.2,50,000 

 • Rate of Interest varies from 14% to 24% 

 • Minimum CIBIL* Score required 650 

 • No EMI bounces within last 6 months 

 • For Professionals : Loan amount from Rs.1,00,000 to Rs.50,00,000 

 • Loan repayment period from 12 months to 36 months 

 • Age limit - 23 years to 60 years

Apply Now 




सोमवार, 10 अक्टूबर 2022

Install GroMo app and earn over ₹1 Lakh per month by selling financial products.

 


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रविवार, 9 अक्टूबर 2022

मंगलवार, 4 अक्टूबर 2022

Need A Personal Loan?

 Personal Loan

 What is Personal Loan? A personal loan is a short term unsecured loan to meet current financial needs related to vacations, unexpected medical expenses, festival celebrations, renovation or any other financial matters.

 2. Documents Required : 

a) Salaried Individual : 

• Latest 3 Months Salary Slips 

• KYC (PAN Card and Aadhar Card) 

• Form no.16 or ITR 

• Appointment Letter/ increment letter or experience letter of previous job (in case of new job) 

• Last 6 months Bank Statement 

b) Self Employed (Professional) : 

• Business Stability Proof (Shop & establishment certificate / Trade license certificate / Factory registration certificate) 

• KYC (PAN Card and Aadhar Card) 

• Ownership Proof (Residence/office) 

• Last 3 years Income Tax Returns along with the computation of Income, CA Certified/Audited Balance Sheet and Profit & Loss Account with all Schedules/Annexures 

• Office Address Proof 

• Latest 12 months Bank Statement

3. Criteria: 

a) If Salaried Individual : 

• Minimum Net Monthly Salary : `25,000 

• Company type should be either Private Limited or Public Limited 

• Rate of Interest varies as per bank norms 

• Minimum CIBIL Score Required : 650 

• No EMI Bounces within 6 months 

• Repayment period : 12 months to 60 months 

• Loan Amount : 1,00,000 to 25,00,000 

• Age Limit : 21 years to 60 years 

b) If Self Employed (Professional) : 

• Minimum net profit per annum : `2,50,000 

• Profession Type : Doctor, Engineers, CA’s Etc. 

• Rate of Interest varies as per bank norms 

• Minimum CIBIL Score Required : 650 

• No EMI Bounces within 6 months 

• Repayment period : 12 months to 60 months 

• Loan Amount : 1,00,000 to 12,00,000 

• Age Limit : 21 years to 60 years

Apply Now

गुरुवार, 2 जून 2022

ayushman card download


 

आयुष्मान भारत योजना के बारे में

(1) आयुष्मान भारत योजना
भारत शासन द्वारा केन्‍द्रीय वित्‍त बजट 2018 में आयुष्‍मान भारत की घोषणा की गई है, जिसके दो मुख्‍य स्‍तंभ हैं, देश में एक लाख हेल्‍थ एण्‍ड वेलनेस सेंटर्स स्‍थापित करना एवं 10 करोड़ परिवारों को रूपये 5.00 लाख प्रतिवर्ष के स्‍वास्‍थ्‍य बीमा कवच से जोड़ना ।

आयुष्मान भारत योजना के मुख्‍य पहलू निम्‍नानुसार हैं:-

  • योजना में सामाजिकआर्थिक जाति जनगणना(SECC) में चिन्हित D-1 से D-7(D-6 को छोड़कर) वंचित श्रेणी के ग्रामीण परिवार सम्मिलित होंगे एवं चिन्हित व्‍यवसाय-आधारित शहरी परिवार सम्मिलित रहेंगे। साथ ही कुछ श्रेणियों के परिवार स्‍वत: ही समावेशित रहेंगे।
  • आयुष्‍मान भारत मिशन के अंतर्गत प्रधानमंत्री राष्‍ट्रीय स्‍वास्‍थ्‍य सुरक्षा मिशन के तहत् सामाजिक आर्थिक जातिगत गणना (SECC) में चिन्‍हाकिंत लाभार्थियों के अतिरिक्‍तम.प्र. शासन द्वारा यह निर्णय लिया गया है कि खाद्य सुरक्षा में प्रदाय पात्रता पर्ची एवं असंगठित क्षेत्र के मजदूरों को भी शामिल किया जावे। आगामी समय में अन्‍य योजनाओं के हितग्राहियों या समाज के अन्‍य वर्गों को भी इस योजना में शामिल किये जाने पर विचार किया जावेगा।

आयुष्मान भारत योजना के लाभार्थी-

> SECC के चिह्नित परिवार

स्‍वत: (Automatic) समावेशित परिवार

3,96,787

क्र.1 से क्र. 7 (क्र. 6 को छोड़कर) वंचित श्रेणी के ग्रामीण परिवार

63,94,323

Occupation आधारित शहरी परिवार

15,90,672

कुल SECC परिवारों की संख्‍या

83,81,782









 

> NFSA के परिवार

> संबल पात्र परिवार

> कुल संभावित पात्र परिवार – 1.08 करोड़ परिवार

  • सामाजिक आर्थिक जातिगत गणना (SECC) में चिन्‍हाकिंत लाभार्थियों के उपचार हेतु भारत सरकार द्वारा 60 प्रतिशत तथा राज्‍य शासन द्वारा 40 प्रतिशत व्‍ययभार वहन किया जावेगा। म.प्र.शासन द्वारा उक्‍त योजना में जोड़े जा रहे लाभार्थियों के उपचार पर व्‍यय होने वाली 100 प्रतिशत राशि वहन की जावेगी।

(2) दीन दयाल स्‍वास्‍थ्‍य सुरक्षा परिषद (DDSSP) “निरामयम

आयुष्‍मान भारत मिशन योजना को प्रदेश में लागू करने हेतु मध्‍यप्रदेश सोसायटी रजिस्‍ट्रीकरण अधिनियम 1973 के अंतर्गत,''दीन दयाल स्‍वास्‍थ्‍य सुरक्षा परिषद (Deen Dayal Swasthya Suraksha Parishad)''का पंजीयन दिनांक 07 जुलाई 2018 को किया गया है,जिसका पंजीयन क्रमांक 01/01/01/34127/18 है । यह परिषद स्टेट हेल्थ एजेंसी के रूप में कार्य कर रही है,जिसके अंतर्गत इस योजना का सम्पूर्ण क्रियान्वयन करायेगा।

''दीन दयाल स्‍वास्‍थ्‍य सुरक्षा परिषद (DDSSP) निरामयम'' के वर्तमान में संचालन हेतु ''आई.ई.सी. ब्‍यूरो'', जय प्रकाश चिकित्‍सालय परिसर, भोपाल में कार्य प्रारंभ कर दिया गया है ।

''दीन दयाल स्‍वास्‍थ्‍य सुरक्षा परिषद (Deen Dayal Swasthya Suraksha Parishad)''में निम्‍नानुसार 3 काउंसिल का गठन किया गया है:-

1. सलाहकार परिषद-(Advisory Council)

2. गर्वनिंग परिषद(GoverningCounsil)

कार्यकारी परिषद (Executive Counsil)

(3) बैंक खाता

योजना के संचालन हेतु, खुली प्रतिस्‍पर्धा के माध्‍यम से बैंक का चयन करए परिषद का बचत बैंक खाता, ICICI Bank में खोला गया है । इस बैंक खाते में योजना का केन्‍द्रांश एवं राज्‍यांश जमा होगा । केन्‍द्रांश की प्राप्ति हेतु उक्‍त बचत बैंक खाते को पीएफएमएस से लिंक किया गया है । उक्‍त बचत खाते में योजना के संचालन हेतु समस्‍त वांछित आई.टी. साल्‍यूशन्‍स बैंक द्वारा स्‍वयं के व्‍यय पर उपलब्‍ध कराये जावेंगे ।

(4) ट्रांजेक्‍शन एडवाईजरी टीम (TAT) की नियुक्ति-

योजना के क्रियान्‍यवन हेतु निक्‍सी (NICSI) द्वारा अनुमोदित दरों पर केपीएमजी से 05 सलाहकार लिये गए है, जो कि हेल्‍थ केयर एक्‍सपर्ट, इंश्‍योरेंस एक्‍सपर्ट(हेल्‍थ सेक्‍टर) आई.टी. सिस्‍टम एनालिस्‍ट, एक्‍सपर्ट इन पब्लिक प्रोक्‍योरमेंट तथा एक्‍सपर्ट इन कान्‍ट्रेक्‍ट मैनेंजमैंट है ।

(5) इम्‍प्‍लीमेंट सपोर्ट ऐजेंसी (ISA)

इम्‍प्‍लीमेंट सपोर्ट ऐजेंसी(ISA) की नियुक्ति हेतु दिनांक 15.08.2018 को ई-निविदा जारी की गई है

जिसके आधार पर पारदर्शिता अपनाकर विडाल हेल्थ इन्सुरेंसे कंपनी का चयन हुया है ।

प्रारंभिक रूप से एजेंसी की नियुक्ति 02 वर्ष के लिये होगी तत्‍पश्‍चात् कार्य आंकलन उपरांत इस अवधि को अधिकतम 01 वर्ष और बढ़ाया जा सकेगा। इम्‍प्‍लीमेंट सपोर्ट ऐजेंसी(ISA) द्वारा किये जा रहे कार्यों का अंकेक्षण(ऑडिट) किये जाने हेतु थर्ड पार्टी ऑडिटर (Third Party Auditor) की नियुक्ति आनलाईन निविदा प्रक्रिया अपनाकर पारदर्शीपूर्ण ढंग से की जावेगी ।

(6) जिला क्रियान्वयन इकाई (DIU)

आयुष्मान भारत के सफल क्रियान्वयन हेतु भारत शासन के निर्देशानुसार जिला क्रियान्वयन इकाई (DIU) का गठन निम्नानुसार किया गया है जिसमें पूर्व से कार्यरत अधिकारियों को अपने वर्तमान दायित्वों के साथ साथ DIU में उनके पदनामों के समक्ष उल्लेखित पदों के कर्तव्यों का भी निर्वाहन करेंगे ।

DIU जिसमें निम्न अधिकारी सम्मिलित होंगे:-

  • जिला कलेक्टर - अध्यक्ष,
  • जिला मलेरिया अधिकारी – जिला नोडल अधिकारी
  • जिला कार्यक्रम प्रबंधक (NHM) - जिला कार्यक्रम समन्वयक
  • जिला इ-गवर्नेंस मेनेजर - जिला संसूचना प्रणाली प्रबंधक
  • जिला मीडिया अधिकारी - जन शिकायत निवारण प्रबंधक
  • जिला कम्युनिटी मोबिलाईज़र - जिला कार्यक्रम सह-समन्वयक

(7) एम्पनेल्मेंट प्रक्रिया

संचालक अस्‍पताल प्रशासन की अध्‍यक्षता में पैनल स्‍वीकृति बोर्ड का गठन किया गया है । समस्‍त शासकीय चिकित्‍सालयों, शासकीय चिकित्‍सा महाविद्यालयों, निजी चिकित्‍सालयों, निजी चिकित्‍सा महाविद्यालयों आदि के इस योजना में इमपेनलमेंट/पंजीयन संबंधी कार्यवाही भारत सरकार के निर्देशों के अनुरूप आनलाईन संपादित आनलाईन संपादित किये जाने का कार्य किया जा रहा है एवं डी.पैनल प्रक्रिया का निर्धारण किया जा रहा है ।

प्रथम चरण में सभी जिला अस्पतालों और सरकारी मेडिकल कॉलेजों को स्‍वतरू एम्‍पनेल्‍ड समझा गया है ।

द्वितीय चरण में सामुदायिक स्‍वास्‍थ्‍य केन्‍द्रों (सी.एच.सी.) को योजना से संबद्ध किये जाने का लक्ष्‍य रखा गया है ।

तृतीय चरण में PHC को योजना से संबद्ध किये जाने का लक्ष्‍य रखा गया है ।

निजी अस्पतालों के लिए निम्न मापदंड भारत शासन द्वारा निर्धारित हैं-

एनएबीएच सम्बधता,

न्यूनतम 10 बिस्तर

नर्सिंग होम नियम 1972 का अनुपालन

सुपर स्पेशलिटी के लिए एनएचए द्वारा जारी सभी प्रासंगिक मानदंड

ट्रस्ट / एन.जी.ओ. के एम्पेनेल्मेंट शासन स्तर पर गठित समिति द्वारा निर्णय कर लिया जाएगा

(8) इलाज हेतु नियत पैकेज

इलाज पर अस्पताल मनमाने तरीके से वसूली न कर सकें और लागत नियंत्रण (Cost Control) रखा जा सके इसके लिए इलाज संबंधी Package Rate तय किए गए हैं। ये पैकेज रेट सरकार ने पहले ही तय कर दिये हैं । आयुष्मान भारत योजना के रेट में इलाज संबंधी सभी तरह के (दवाई, जांच, ट्रांसपोर्ट, इलाज पूर्व, इलाज पश्चात के खर्चे) व्यय शामिल होंगे, जिसमे 23 स्पेशिऐलिटीज़ के कुल 1350 पैकेजेसए शासकीय चिकित्सालय हेतु 472 आरक्षित पैकेजेस साथ ही अतिरिक्त पैकेज की सुविधा और 10 दिन का फॉलोअप भी शामिल हैं ।

(9) क्लेम का भुगतान

शासकीय एवं निजी चिकित्सायलय उपचार समाप्त होने के 10 दिवस के अंदर क्लेम समस्त आवश्यक अभिलेखों एवं जांच रिपोर्टों सहित इम्लीमेंट सपोर्ट ऐजेंसी (ISA) को प्रस्तुत करेंगे एवं इम्लीमेंट सपोर्ट ऐजेंसी द्वारा आनलाईन प्राप्त सभी क्लेम का 15 दिवस के अंदर परीक्षण किया जाकर अपनी अंतिम अनुशंसा सहित स्टेट हेल्थ् सोसायटी (SHA) अर्थात “दीन दयाल स्वाथ्‍य सुरक्षा परिषद-निरामयम” को प्रस्तुत करेगी। परिषद द्वारा 05 दिवस के अंदर संबंधित चिकित्सालयों को आनलाईन माध्यम से उनके बैंक खातों में क्लेम का भुगतान किया जावेगा। इस प्रकार क्ले्म संबंधी संपूर्ण प्रक्रिया 30 (तीस) दिवस में पूर्ण होगी ।

(10) हेल्‍प डेस्‍क

आयुष्‍मान भारत योजना के अंतर्गत राष्ट्रीय स्‍वास्‍थ्‍य संरक्षण मिशन (AB-NHPM) से संबंधित समस्‍त चिकित्‍सालयों में हेल्‍प डेस्‍क बनाया गया है जिससे कि योजना में शामिल लाभार्थी परिवारों को एक ही स्‍थान पर समस्‍त जानकारी प्राप्‍त हो सके एवं उन्‍हें उपचार प्राप्‍त करने में कोई कठिनाई नहीं हो ।

(11) योजना का लांच
आयुष्‍मान भारत योजना के अंतर्गत राष्ट्रीय स्‍वास्‍थ्‍य संरक्षण मिशन (AB-NHPM) को प्रथम चरण में प्रदेश के 08 जिलों तथा 02 मेडिकल कॉलेज में योजना का पायलट लॉन्च दिनांक 15.08.2018 को कर दिया गया है द्वितीय चरण में प्रदेश के 21 जिलों में 27.08.2018 से तथा शेष 22 जिलों तथा शेष शासकीय मेडिकल कॉलेजों में 10.09.2018 से योजना का पायलट लान्च किया गया। संपूर्ण प्रदेश में योजना का क्रियान्वयन दिनांक 23.09.2018 को प्रांरभ किया गया।

गुरुवार, 28 अप्रैल 2022

शुक्रवार, 14 जनवरी 2022

CREDIT CARD

Credit Card (BFL Pre approved only) – “ Bajaj Finserv RBL Super Card” is more than just a credit card. The supercard as the name suggests, is loaded with fabulous features that only take care of your credit needs but also reduce your financial burden and help you during emergencies. Credit card can be sold to only our pre-approved BFL existing.

Features of “ Bajaj Finserv RBL Super Card”

• Easy EMI conversion
• Interest free cash withdrawal
• 5%cashback
• Pay with points
• Airport lounge access
• Free movie tickets

मंगलवार, 30 नवंबर 2021

Business Loan

                        Apply Online
Customized Interest Rates 1.5 to 2% per month
Processing Fees 2-3%
Loan Tenure up to 36 months
Pre-closure Charges Nil**
Eligibility Criteria > ₹ 90,000 turn over for 3 Months
Loan Amount ₹ 50,000 – ₹ 2 crore
Installments Flexible Monthly / Bi-weekly

Eligibility Criteria for Business Loan
Lendingkart has kept the eligibility requirements to the bare essentials in order to process business loans faster. We do not require too many documents or unnecessary paperwork that can hold-up the loan approval process.

An established business that has been in operations for more than 6 months.
A minimum turnover of ₹ 90,000 or more in the 3 months preceding your loan application.
The business should not fall under blacklisted / excluded list for SBA finance.
The physical location of your enterprises should not be in the negative location list.
Trusts, NGOs and charitable institutions are not eligible for small business loans.
If you are not sure if your business falls under a restricted category or location, you can contact us to confirm your eligibility.
                         Apply Now

शुक्रवार, 24 सितंबर 2021

link your PAN with Aadhaar

Deadline for linking Aadhaar with PAN card extended till March 31, 2022



 You can link your PAN with Aadhaar by following process:

a) Open the Income Tax e-filing portal - https://incometaxindiaefiling.gov.in/

b) Register on it (if not already done). Your PAN (Permanent Account Number) will be your user id.

c) Log in by entering the User ID, password and date of birth.

d) A pop up window will appear, prompting you to link your PAN with Aadhaar. If not, go to ‘Profile Settings’ on Menu bar and click on ‘Link Aadhaar’.

e) Details such as name date of birth and gender will already be mentioned as per the PAN details.

f) Verify the PAN details on screen with the ones mentioned on your Aadhaar. Pls. note that if there is a mismatch, you need to get the same corrected in either of the documents.

g) If the details match, enter your Aadhaar number and click on the “link now” button.

h) A pop-up message will inform you that your Aadhaar has been successfully linked to your PAN

i) You may also visit https://www.utiitsl.com/ OR https://www.egov-nsdl.co.in/ to link your PAN and Aadhaar.

रविवार, 19 सितंबर 2021

IQ Option

 


Ultimate Trading. Cryptocurrencies (Version 2)

Conversion rate: Highest. This landing covers Forex, Cryptocurrencies, and Binary Options. You can use the menu at the top of the page to choose a trading instrument, language, or page on the IQ Option website: "IQ Option in Numbers," "In the Press," and "Awards," which opens in a new window. It has a nice interactive chart that shows the price to open a position and the growth rate for different currency pairs with a choice of the time period to show data for. The landing also has two dynamic blocks that update in real time: a set of price movement profiles over 3 months for shares of leading companies, and statistics about IQ Option.


सोमवार, 6 सितंबर 2021

Business Loan


 

Banking and NBFC finance still remain the mainstay of India’s small and medium enterprises. Business loan help your small business grow, allowing you to invest in infrastructure, operations, and plant and machinery. Moreover, business loans can also be a veritable medium of maintaining Business for critical business operations. 

Customized business loans are a new category of business loans which are tailored to meet the specific needs of a new age business or startup. These loans offer your enterprise the opportunity to scale and give it the competitive edge necessary for success in today’s world.

What is a business loan?

A business loan is basically a borrowed amount of capital that is used for an investment in a new or existing business set up. Whether small or medium-sized enterprises (SMEs) or large businesses, it is absolutely important to understand how these loans work.

From the people involved, the formalities, benefits, to the risks, terms and conditions – all the aspects require your utmost attention before you proceed to take a loan. Proceed and learn about them below with us!

Features of Lendingkart Business Loan

  1. Get Business Loans up to ₹ 2 Crore

    We offer business loans of ₹ 50,000 up to ₹ 2 Crore to eligible SMEs. Our wider loan window increases the chances of business loan approval and provides you the funds needed for growth and expansion of your venture.

  2. Superfast Business Loan Processing

    We have taken loan processing times to the next level through our Online Only loan application process. It allows us to by-pass a lot of manual work and provide same-day loan approvals.

  3. Fast Turnaround Time and Disbursals

    Lendingkart’s offers business loans faster than the 59 Minute Business Loan scheme. With our online business loan processing, you can get a business loan within 3 days as opposed to 8-10 days taken by banks.

  4. No collateral required

    A business loan from Lendingkart does not put your valuable assets on risk. We offer unsecured business loans that do not require any collateral or security. So, you don’t have to worry about developing your capital assets anymore.

  5. Fair interest rates

    Lendingkart uses proprietary big data and machine learning tools to determine the lowest interest rates on business loans, on a case to case basis. This means, the interest rates you get from Lendingkart are the best ones available for your business.

  6. Extended Loan Tenure

    Our loan tenure of minimum 1 month and maximum 36 months, vastly extends the credit relief for your business. If you are facing temporary Business problems, a business loan tenure of 6 months or more can give you the necessary buffer for resolving operational issues.

  7. No Hidden Costs

    Lendingkart business loans promise zero hidden costs and charges. We only levy a one-time processing fee of 2-3% based on your loan ask and that’s all. This allows you to retain more of the principal amount for business growth.

  8. Flexible Repayments

    Last but not the least, Lendingkart business loans can be repaid in monthly or bi-weekly EMIs. Our EMI options allow you to pace your repayments as per your invoicing and sales cycle, for example, if your sales are going great, you can repay your business loan two times faster with the bi-weekly EMI option.

Benefits of Business Loan by Lendingkart

– Faster processing:

Faster processing means faster credit for your business, allowing you to explore new horizons and exploit opportunities as they come your way. A timely business loan can expand your marketing potential, speed up your operations, and eventually increase your profit margins.

– Preserving your ownership:

Since it is an unsecured business loan, you are at no risk of losing valuable assets or giving up precious company stock in lieu of investment. So, a Lendingkart business loan allows you to preserve your ownership while also providing you with the funds to grow your enterprise.

– Streamlines your cash flow:

Lendingkart business loans increase your window of opportunity by providing both capital and time for you to streamline your cash flow and get into profitable territory. These loans allow you to strike a balance between your Business fund and company capital fund by providing investment that can be repaid in instalments.

– Improve your credit score:

An NBFC loan from Lendingkart is the best way to improve your business credit score as we report loan accounts to all credit bureaus. Moreover, a business loan with Lendingkart is especially beneficial for companies witnessing a recent dip in credit score due to unforeseen market conditions.

Apply Now

Business Loan Fees & Interest Rates

Customized Interest Rates1.5 to 2% per month
Processing Fees2-3%
Loan Tenureup to 36 months
Pre-closure ChargesNil**
Eligibility Criteria> ₹ 90,000 turn over for 3 Months
Loan Amount₹ 50,000 – ₹ 2 crore
InstallmentsFlexible Monthly / Bi-weekly
*Based on the health of your business, revenues and annual turnover
**Pre-closures are only allowed after the first EMI is paid in full

Eligibility Criteria for Business Loan

  1. An established business that has been in operations for more than 6 months.
  2. A minimum turnover of ₹ 90,000 or more in the 3 months preceding your loan application.
  3. The business should not fall under blacklisted / excluded list for SBA finance.
  4. The physical location of your enterprises should not be in the negative location list.
  5. Trusts, NGOs and charitable institutions are not eligible for small business loans.
If you are not sure if your business falls under a restricted category or location, you can contact us to confirm your eligibility

Apply Now

Documents Required for a Business loan

 ProprietorshipPartnershipPvt. Ltd. / LLP / One Person Company
Bank statement (12 months)docsdocsdocs
Business registration proofdocsdocsdocs
Proprietor(s) PAN Card Copydocsdocsdocs
Proprietor(s) Aadhar Card Copydocsdocsdocs
Partnership Deed Copydocsdocsdocs
Company PAN Card Copydocsdocsdocs
We accept any of the following as a Business registration proof
1) Business Registration Certificate 2) GST filing 3) Gumastadhara 4) Trade License 5) Drug License 6) TIN  7) VAT registration

3 simple steps to your Business loan

  1. Submit Application

    Simply enter your personal, business and financial info to receive a business loan offer.

  2. Upload Documents

    Upload digital copies of your documents in a single step process for verification.

  3. Get Sanctioned

    Receive your business loan approval and disbursal within 3 working days.

Apply Now

Types of Business Loans

Here’s a list of six most common types of Business Loan for SMEs

  1. Bank Overdraft / Credit Line:

    This facility is available from both banks and online lenders. It allows a revolving credit facility, in which a businessman can withdraw money up to a sanctioned limit from their business account, even if the actual account balance is lower. The excess amount is considered as a business loan, which can be repaid by depositing the same, plus interest, in the account.

  2. Equity Funding

    Business owners can also raise funds by divesting their share in the company in lieu of capital investment. While a popular choice in more advanced markets like the United States, equity funding is a less preferred option in Indian investment market by SMEs, as it accompanies the risk of ownership dilution. In case of equity funding, a business owner can retain the option for buy back of shares in order to get back to preferred ownership levels, once the investment objectives have been met.

  3. Short-term Loans

    These loans have a smaller-ticket size owing to the shorter repayment window. Generally, a short-term loan is given for a period ranging between 3 to 18 months as these loans are meant for working capital finance and limited capital investment. However, Lendingkart offers short-term business loans for a period of 1 to 24 months, increasing the convenience of credit for small and medium enterprises in India.

  4. Equipment Finance

    Equipment finance is a popular means of improving cash flow and working capital. Equipment financing is the use of a loan or lease for purchasing or borrowing hard assets. It is a type of secured business loan because the lender has rights over the equipment in case of a default.

  5. Loan on Accounts Receivables

    Also known as invoice financing, these are very short-term credits, given in lieu of accounts receivables. The shortcoming of this kind of business loans is that they can only be availed by SMEs with commercial customers. The loans tenure generally ends on the invoice due date and require full payment along with interest and processing charges.

  6. Factoring / Advances

    Under this arrangement the money is paid in advance by the factor company to the business for an accounts receivable. However, instead of paying the full amount, a percentage of amount, usually 70% to 90% of the invoice value, is paid. The rest is retained to cover unforeseen charges, breakage, delivery and quality errors. For this kind of business loans, both the buying and selling companies have to come onboard and work with a factoring company.

  7. Trade Creditor

    A supplier who has provided goods or services to your business, but is yet to be paid, is considered a trade creditor. It is a very common arrangement for conducting day-to-day business activities between buyers, suppliers and service providers with long working relationships. The amount due to a trade creditor can also be considered as a very short-term business loan.

Business Loan EMI and How to Calculate It

Business Loan EMI

Different types of business loans can be repaid in different ways. One of the easiest ways to repay a business loan is through Equated Monthly Instalments (EMIs). Your loan is divided into equal fixed sums that are paid on a monthly basis till the full repayment of the loan. 

An EMI consists of two parts, the principal loan amount and the accrued interest. Small and medium businesses find it easier to repay business loans with EMIs, as the method allows them to fund expensive assets and expansions without straining their smaller operating budgets. 

NBFC loan providers like Lendingkart offer flexible business loan EMIs that can help you repay a business loan two-times faster by opting for bi-weekly repayments. With auto-renewal also on offer by Lendingkart, faster repayments mean quicker access to refinance for the same amount or a larger business loan.

How to Calculate Business Loan EMI?

The Business Loan EMI calculation is done on the basis of a simple formula i.e.
E = P x r x (1+r)n/(1+r)n-1
Here,
‘E’ is the EMI
‘P’ represents the loan amount
‘r’ stands for the interest rate offered on a monthly basis
‘n’ is the duration of the loan

A business loan EMI calculator is a digital version of this formula, that allows you to calculate EMI amount through a web interface. The business loan EMI calculator can help you understand the breakdown of interest and principal loan amount, thus, allowing you to decide the layout of your cash resource planning.

Do’s and don’t’s of Business loans

Have you explored all other options for managing your Business?

When you go for a business loan, it is because you need capital to fund a critical task. However, a business loan is not the only way to fund your working capital needs, asset acquisition or new business unit. You can also get the necessary investment by adopting cost reduction mechanisms, increasing production and sales to a limited extent, or by using the money in your contingency fund. 

So, consider all your financial options carefully before applying for a business loan. Sometimes it may turn out that you did not need a business loan at all and have ended up with a commercial debt for no reason.

How do you intend to use the loan money?

Deciding how you are going to use the loan amount beforehand can put your business on the front foot, immediately after you receive the loan funds. The money can go directly into funding critical tasks. You can even pre-empt the operationalisation of your growth plans if you have previous working relationship with the lender.

For example, Lendingkart business loans can be renewed upon full repayment, so, you can start a new project immediately after finishing the current one, as your working relationship with Lendingkart will ensure a renewal. On the other hand, not planning ahead can sometimes lead to wastage of loan funds, as they get used for non-critical tasks. For example, you may end up using your working capital loan money for paying an existing debt or for purchasing plant and machinery, which will then create a void in your working capital funds.

Does it benefit your business?

Lastly, any form of capital investment should benefit your business. If you have a plan for repaying the loan and also have an intended use-case for the loan money, but it is not providing meaningful growth to your operations, you should probably think again about taking a business loan. So, sit with your financial planners, operational heads and other business advisors to chart a strategy for growth before you apply for your first business loan.