Charges and fees
What you are charged, when you see it, and what never changes after you accept.
Everything appears before you consent
Your Key Fact Statement itemises every charge and tax that applies to your loan, the amount that will reach your bank account, the total repayable and the exact repayment date. You see it in full before you sign anything.
Nothing is added later
The figures in the letter you accept are the figures you pay. We do not introduce charges after disbursal, and we do not change terms on an active loan without a fresh agreement that you sign.
Prepayment is free
You can repay in full at any time before your due date at no penalty. If you exit within three days of disbursal, you repay the principal plus only the interest proportionate to the days used.
Late repayment
Late repayment attracts the charges set out in your agreement and may be reported to credit bureaus, which affects future borrowing. If you expect difficulty, contact support before your due date — we would rather agree a plan than watch charges accumulate.
How to compare us honestly
A short-tenure loan carries a high annualised cost by definition. Before borrowing, compare the total rupee cost against a salary advance from your employer, an overdraft on your existing account, or a secured facility. If one of those is cheaper for your situation, take it.
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କାଗଜପତ୍ର ବିନା ଋଣ
No documentation, disbursal to your own bank account, and every charge disclosed in your Key Fact Statement before you accept.