Partners

Supporting Partners

Sourcing Partners

Bajaj Markets

GRO Details Of Sourcing Partners

Lending Partners

Bhanix Finance and Investment Ltd

Grievance Redressal Officer, Principal Nodal Office
Pushpinder Kaur .
Contact Number:  9983107444
Email: Grievance@Bhanix.in

For more information on the GRO details, please visit the following site homefirstindia.com

Transactree Technologies Private Limited

GRO Details
Fiza Tarannum – Grievance Redressal Officer
Address: 7A BDR Building, 2nd floor Ring road, Lajpat Nagar 4, Delhi 110024
Email: grievances@lendbox.in

Vivriti Capital Pvt. Ltd.

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

Northern ARC

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

Apollo Finvest Limited

GRO Details
Name: Prachi Jain – Grievance Redressal Officer
Address: : 301 3rd Floor, Commerce Centre, plot no. B-27, Off New Link Road, Near Morya House, Andheri West, Mumbai, Maharashtra, India – 400053 Telephone Number: 022-62231667
Email: compliance@apollofinvest.com

Grievance Redressal Mechanism

Call at 18001022192
Emailcare@incred.com
You may write a letter at the address- Unit No. 1203, 12th floor, B Wing, The Capital, Plot No. C- 70, G Block, Bandra – Kurla Complex Mumbai-400051 Maharashtra
Websitewww.incred.com

Customers are requested to first raise their concerns through any of the channels mentioned above. And if the same is not resolved within 5 days or if the customer is not satisfied with the solution provided by the customer care service, then the customer may follow below escalations for resolving their grievances,

Name: Ms. Rosy Dsouza
Contact: 022-42117799
Email Id: care@incred.com

In case the complaint is not resolved within a period of five days or if the customer is not satisfied with the solution provided by Mr. Kiran Gawand then the customer may approach the Grievance Redressal Officer. The name and contact details of the Grievance Redressal Officer is as follows:

Grievance Redressal Officer
Name: Mr. Vaidyanathan Ramamoorthy
E-mail ID: incred.grievance@incred.com
Telephone no: 022-42117799
Address: Incred Financial Services Limited, 1203, 12th Floor, B Wing, The Capital, Bandra Kurla Complex, Mumbai – 400 051

https://www.incred.com/grievance.html

Details of InCred Personal loans can be found at https://personal-loans.incred.com/personal-loan

Customer care, Grievance Redressal & RBI Sachet Portal Details

Customer Care:
Bhanix Finance & Investment Ltd.

Tel. 9983107444
Email: support@bhanix.in

Grievance Redressal Officer Pushpinder Kaur
Bhanix Finance and Investment Limited

Tel. 9983107444
Email ID: Grievance@Bhanix.in

Principal Nodal Office Pushpinder Kaur
Bhanix Finance and Investment Limited

Tel. 9983107444
Email Id:- bhanix@bhanix.in

RBI Sachet Portal
The RBI sachet portal facilitates lodging of any complaint related to deposits/schemes of various kinds/fake emails

https://sachet.rbi.org.in/

List of Outsourced Collection Centers

Credit Product Suite

Product Min. Monthly Salary Eligibility Min – Max Loan Amount Loan Eligibility Max. Rate of Interest 1st Time Processing Fee Processing Fee for Repeat Loans
CASHe 270
(9 months)
Rs. 40,000 Rs. 50,000
Rs. 2,50,000
170% of monthly income 2.79% / month on loan amount
(Equivalent reducing balance interest rate)
• 2.5% of Loan amount • 2.5% of Loan amount
CASHe 360
(1 year)
Rs 40,000 Rs. 50,000
Rs. 3,00,000
210% of monthly income 2.88% / month on loan amount
(Equivalent reducing balance interest rate)
• 2.5% of Loan amount • 2.5% of Loan amount
CASHe 540
(18 months)
Rs. 50,000 Rs. 75,000
Rs. 3,00,000
300% of monthly income 3% / month on loan amount
(Equivalent reducing balance interest rate)
• 2.5% of Loan amount • 2.5% 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.

Types of Personal Loan: