GRO Details
Ajit Menon, VP- Operations.
Contact Number: 044- 40074801
Address: Prestige Zackria Metropolitan No.200/1-8, 2nd Floor, Block 1, Anna Salai, Chennai-600002
Email: grievanceredressal@vivriticapital.com
For more information on the GRO details, please visit the following site homefirstindia.com
GRO Details
Grievance Redressal Officer :
Name : Mr. Madhan Mohan K
Toll free number : 1800 4198 766
Email ID : gro@northernarc.com
Nodal Officer :
Name : Ms. Deepa Nair
Toll free number : 1800 258 7010
Email ID : nodal.officer@northernarc.com
Address: IndiQube Golf View Homes,
6th Floor, Tower B, 3rd Cross Road,
S R Layout, Murgesh Pallya, Bengaluru-560017
GRO Details
Name: Prachi Jain – Grievance Redressal Officer
Address: : 803 Morya Bluemoon 8th Floor, New Link Rd, Veera Desai Industrial Estate, Andheri West, Mumbai, Maharashtra 400053
Telephone Number: 022-62231667
Email: compliance@apollofinvest.com
GRO Details
Fiza Tarannum – Grievance Redressal Officer
Address: 7A BDR Building, 2nd floor Ring road, Lajpat Nagar 4, Delhi 110024
Telephone Number: 7290830691
Email: grievances@lendbox.in
Tel. 8828553333
Email ID: Grievance@Bhanix.in
Tel. 8828553333
Email Id:- bhanix@bhanix.in
https://sachet.rbi.org.in/
( Bhanix Finance & Investment Ltd. | Vivriti Capital Pvt. Ltd. )
Product | Min. Monthly Salary Eligibility | CASHe 540 (18 months) | Loan Eligibility Max. | Rate of Interest | 1st Time Processing Fee | Processing Fee for Repeat Loans |
---|---|---|---|---|---|---|
CASHe 90 (3 months) |
Rs. 25,000 | Rs. 25,000 Rs. 110,000 |
110% of the net monthly salary | 2.5% / month on loan amount (Equivalent reducing balance interest rate 3.71% per EMI) |
• 5.5% of Loan amount | • 3.5% of Loan amount |
CASHe 180 (6 months) | Rs. 25,000 | Rs. 25,000 Rs. 210,000 |
210% of the net monthly salary | 2.4% / month on loan amount (Equivalent reducing balance interest rate 3.98% per EMI) |
• 5.5% of Loan amount | • 3.5% of Loan amount |
CASHe 270 (9 months) |
Rs. 25,000 | Rs. 50,000 Rs. 258,000 |
310% of monthly income | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.86% per EMI) |
• 5.5% of Loan amount | • 3.5% of Loan amount |
CASHe 360 (1 year) |
Rs 40,000 | Rs. 75,000 Rs. 300,000 |
400% of monthly income | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.88% per EMI) |
• 5.5% of Loan amount | • 3.5% of Loan amount |
CASHe 540 (18 months) |
Rs. 50,000 | Rs. 125,000 Rs. 400,000 |
500% of monthly income | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.85% per EMI) |
• 5.5% of Loan amount | • 3.5% of Loan amount |
Minimum Salary Eligibility | Min. – Max. Loan Amount | Max. Loan Eligibility | Loan Amount | Rate of Interest | Tenure |
---|---|---|---|---|---|
Rs. 25,000 | Rs. 25,000 – Rs. 400,000 | Up to 400% of net monthly salary | The credit limit is chosen by the customers based on their eligibility | Interest charged based on the amount withdrawn | 5 years from the date of approval |
Min. – Max. Loan amount | Tenure | Max. Loan Eligibility | Rate of Interest | Processing Fee |
---|---|---|---|---|
Rs. 100 – Rs. 2,00,000 | 30 days | Rs. 20,000 | 0% for 30 days 3% p.m. (on conversion to PL) |
Zero to 6.5% of loan amount |
Products | Min. Monthly Salary Eligibility | Loan Amt. Min – Max | Loan Eligibility Max. |
Rate of Interest | 1st Time Processing Fee | Processing Fee for Repeat Loans |
---|---|---|---|---|---|---|
GPay 90 (3 months) |
Rs. 25,000 | Rs. 25,000 Rs. 100,000 |
100% of monthly salary | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.34% per EMI) |
5.5% of the loan | 3.5% of Loan |
GPay 180 (6 months) |
Rs 25,000 | Rs. 35,000 Rs. 200,000 |
200% of monthly salary | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.74% per EMI) |
5.5% of the loan | 3.5% of Loan |
GPay 270 (9 months) |
Rs 25,000 | Rs. 50,000 Rs. 250,000 |
300% of monthly income | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.86% per EMI) |
5.5% of the loan | 3.5% of Loan |
GPay 360 (1 year) | Rs. 40,000 | Rs. 75,000 Rs. 3,00,000 |
400% of monthly income | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.88% per EMI) |
5.5% of the loan | 3.5% of Loan |
Gapy 540 (18 months) | Rs. 50,000 | Rs. 1,25,000 Rs. 4,00,000 |
500% of monthly income | 2.25% / month on loan amount (Equivalent reducing balance interest rate 3.85% per EMI) |
5.5% of the loan | 3.5% of Loan |
Product | Min. Monthly Salary Eligibility | Loan Amt. Min – Max | Loan Eligibility Max. | Rate of Interest | Processing Fee |
---|---|---|---|---|---|
CASHeShop 3EMI (3 months) |
Rs. 20,000 | Rs. 1,000 Rs. 2,00,000 |
100% of monthly salary | No cost EMI – 0% Customer Interest Bearing : 1.33% p.m. |
Up to 2% of loan amount |
CASHeShop 6EMI (6 months) |
Rs. 20,000 | Rs. 6,000 Rs. 2,00,000 |
100% of the monthly salary | No cost EMI – 0% Customer Interest Bearing : 1.25% p.m. |
Up to 2% of loan amount |
CASHeShop 9EMI (9 months) |
Rs. 20,000 | Rs. 9,000 Rs. 2,00,000 |
100% of the monthly salary | No cost EMI – 0% Customer Interest Bearing : 1.22% p.m. |
Up to 2% of loan amount |
CASHeShop 12EMI (12 months) |
Rs. 20,000 | Rs. 12,000 Rs. 2,00,000 |
100% of the monthly salary | No cost EMI – 0% Customer Interest Bearing : 1.21% p.m. |
Up to 2% of loan amount |
Penal Charges: If the Borrower fails to pay any amount due and payable pursuant to this sanction letter or the loan agreement on the relevant due date or within five days of grace period from the due date or in the event of the occurrence of any other event of default
(as specified in the loan agreement to be executed with respect to the Loan read with this sanction letter), penal charges in the terms of the applicable policy of the Lender shall be payable by the Borrower at the rate of 0.1% per day or 36.5% (36.5 percent) per annum excluding
GST on the unpaid amount (which includes principal, interest and other charges but excludes Penal Charges), calculated for each day from the due date of payment of the unpaid amounts including the grace period, or the date of occurrence of the event of default, as the case may be,
until the date of actual payment of all outstanding amounts or rectification of the event of default, if so permitted.
Foreclosure Charges: For Floating rate loans – Nil, For Fixed rate loans – Up to 5% (Excluding GST)
Cheque/NACH Bouncing Charges: Up to Rs. 500/- (Rupees Five Hundred only) to be charged to the borrower/s in each instance that any cheque is dishonored (under any of the payment modes) and consequently represented OR in each instance that a cheque/ pay order/ demand draft is presented when any instalment/s is/are not received by the BFIL by /upon the issue of debit instructions under the ECS method or direct debit method or any other payment method (other than the PDC method) as
selected by the borrower/s for any reasons whatsoever.