Top 3 Best Loan App in India || Best Personal Loan APP
নমস্কার বন্ধুরা আজকের এই পোস্টের মাধ্যমে আপনাদের সেরা Top 3 Best Loan App কথা বলবো এই 3টি লোন অ্যাপ্লিকেশনের মাধ্যমে যদি আপনার Cibil Score কম থাকে এবং income proof যদি না থাকে সেক্ষেত্রে এই 3টি অ্যাপ্লিকেশনের মাধ্যমে খুব সহজে আপনি instant loan নিতে পারবেন |
এই তিনটি অ্যাপ্লিকেশন থেকে লোন নিতে গেলে আপনার খুব বেশি ডকুমেন্ট লাগবে না কেবলমাত্র আবার আধার কার্ড এবং প্যান কার্ড দিয়ে আপনাকে লোন প্রোভাইড করা হবে |
এই তিনটি অ্যাপ্লিকেশনের নাম নিম্নে দেওয়া রয়েছে 👇👇👇
1. TrueBalance-UPI, Personal Loan
Apply for a personal loan today and enjoy a better borrowing experience with the True Balance loan app
For example:
For ₹10,000 personal loan borrowed for 3 months, with interest rate @2.4% per month*, a user would pay:
-> Processing fee (@6%) = ₹600 + GST (18%) ₹108 = ₹708
-> Interest* = -CUMIPMT(2.4%*12/365*30, 3, 10000, 1, 3, 0) = ₹477
-> EMI = -PMT(2.4% * 12 / 365 * 30, 3, 10000₹) = ₹3,492
Total amount to be repaid = ₹11,185/- including Processing fee +GST
*Loan Interest Rate may vary based on the user’s risk profile
We facilitate loans from RBI licensed NBFC-True Credits Pvt. Ltd, InCred Financial Services Limited, Grow Money Capital Pvt. Ltd, Muthoot Finance Ltd, Vivriti Capital Limited, Northern Arc Capital Limited, Lendbox (Transactree Technologies Private Limited) and Oxyzo Financial Services Limited. Also, the app enables its users to avail wallet services including recharges, bill payments and much more from licensed entities.
Features of True Balance – UPI payments & Personal Loan App:
– Personal Loans ranging from ₹1,000 to ₹1,25,000 (Disbursal Amount)
– 100% Digital
– 24×7 access to personal loan & payments
– Low processing Fee, longer tenure, and attractive interest rate
– Loan directly disbursed to your bank account
– Pay through any QR code scanner at your favourite offline shops and merchants.
– Send money to your friends & family using your mobile number via TrueBalance UPI. Including those who are not on TrueBalance.
– Recharge your mobile and pay your utility bills (electricity, gas, water, broadband, etc.).
– Pan-India Service
– Convenience of payment through various methods.
– Timely repayment improves credit score and increases chance to get higher amount of credit.
True Balance is a PPI license holder which provides an RBI Compliant Wallet and multiple payment options of Net banking, Credit Cards, Debit Cards, and Gift cards and has also partnered with NBFCs for granting online personal loans.
How to apply for a personal loan on True Balance?
● Install the True Balance app
● Log in to True Balance personal loan app by registering through your contact number
● Fill in your basic details to know your personal loan eligibility
● Submit KYC documents and apply for an instant loan
● Once the application is approved, the approved loan disbursed amount gets transferred to the bank account
2. Branch – Digital Bank & Loans
Personal loans range from Ksh 500 to Ksh 300,000
Tenure: 62days to 1 year. Interest rates range from 2%-18% depending on the risk profile of the customer.
Example: Borrow Ksh 10,000 at APR of 196% (per annum) with tenure of 62 days
Interest = Ksh. 10000* 196%/ 365 *62 = Ksh. 3260
Total amount disbursed will be Ksh 10000
Total amount to repay will be Ksh 13260 (Ksh 10000 + Ksh 3260)
Two monthly payments of Ksh 6630
Some customers may be charged a late fee.
Branch is now more than just a mobile loan app.Now you can save money, make transfers from Branch wallet, pay your bills and get instant mobile loans from the Branch App.
Personal loan rates and fees
Loan Amounts: Ksh 500 to Ksh 100,000
APR/Interest rate: 20%-211% (Monthly interest: 2% to 18%)
Processing fee: None
Onboarding fee: None
👉 Get instant loans — no paperwork, collateral
👉 Make money transfers from Branch to MPESA and MPESA to Branch
👉 Pay bills without extra charges
👉 Save money on branch wallet and earn 15% interest (Kenya’s highest rate)
👉 Withdraw your savings anytime
Save money: Branch MFB offers the best savings rates in the country and offers
👉 15% ROI per annum
👉 Weekly interest payment
👉 Option to withdraw your savings anytime or keep it for a fixed period
Got Questions? We provide world-class support for your financial needs, 24 hours a day. Message us within the app and receive an answer in minutes!
Branch personal finance app provides the following type of personal loans
– Medical Loans/Emergency Loans
– Home Renovation Loans
– Education Loans
– Travel Loans
– Wedding Loans
– Student Loans
3 lazypay:-
LazyPay offers instant personal loans for all your needs, big or small. Get online loans within minutes and use it for anything you want – no questions asked. Our instant personal loans are cash loans where the lump sum amount is transferred to your bank account. The entire process is paperless and 100% digital, for your convenience.
Personal loan interest rates range from 12% to 36% p.a. with EMI tenures from 3 months upto 60 months.
XpressLoans range from Rs. 3,000 to Rs. 5 lakh with an Annual Repayment Period (APR) from 3 to 60 months. Percentage rate (APR) between 12% – 36% on a reducing balance basis.
★Sample EMI Calculation★
For a loan amount = Rs 10,000 | Tenure = 6 months @ interest rate of 18%* p.a.
EMI will be = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
*Interest rate and processing fee may vary.