Unnati

💰 Unnati is the light web version of Upwards with only 8MB size, designed for grassroots 'Bharat' economy. We are India’s quickest personal loan provider for salaried individuals looking for loans upto Rs.3,00,000 over a 2 year tenure. Minimum monthly salary required is Rs 20,000💰

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Key Points:

- Loan Amount: Rs 20,000 - Rs 3,00,000

- Loan Tenure (Minimum to Maximum): 3 - 24 months

- Annual Interest Rate, APR (Minimum to Maximum): 16% - 34%; Maximum APR: 34%

- Processing Fee: 2.5 - 5% of loan amount

％ Sample APR Calculation:

- For a loan of Rs. 100,000 at 20% interest rate per annum for tenure of 12 months, one time processing fee (say @2% of loan amount) will be Rs. 2000 and monthly EMI will be Rs. 9263/-.

- The net amount credited to you will be Rs 98,000 (post processing fee deduction) and cumulative amount paid back by you will be Rs 1,11,161/- (=Rs 9263 x 12 EMIs), leading to an APR of 24%

- We do not provide any pay-day loans or loans with less than 90 day repayment period in accordance with Google Policy.

- We provide full disclosure about our usage of any customer data and permissions at various points in our app (Sample app user journey -> https://bit.ly/2O770Or, privacy policy -> https://upwards.in/policy?origin_id=1021)

- No private data (eg SMS, Contact & Storage) is collected without prominent disclosure. When collected, we provide adequate and full disclosure about our usage of any customer data and permissions at all stages in the user journey of our mobile app. Check Sample Journey: https://bit.ly/3CIzjYn

- We do not do unauthorised publishing of your SMS logs or Contacts in any case. We read only transactional SMSs to ascertain the credit-worthiness and offer amount. Camera & Media i.e. Storage access is required to capture your selfie and other loan eligibility documents.

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Prominent Disclosures:

Our Lending Partners:

- Lendingkart Finance Limited ( NBFC partnership link https://www.lendingkart.com/partner-with-us/ )

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Why Unnati - Quick Personal Loans?

✔️ Quick approvals and disbursal (max 24 - 48 hours)

✔️ No paperwork or collateral - everything from the mobile app.

✔️ Only PAN, bank statement and salary slips required.

✔️ Prompt customer support

✔️ Low interest rate & foreclosure charges

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Security & Protection of Privacy:

- Protection of your privacy and your data security is a top priority. Our technology complies with mandated security standards & robust protocols which have been tested and certified.

- We are also CISA compliant as per RBI norms: https://bit.ly/3oIYVfv

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Eligibility:

- Salary > Rs.20,000/month

- Age: 22 - 55 years

- CIBIL: NTC or >= 625

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Quick Personal Loan Available In Cities:

- Mumbai, Pune

- Delhi, Gurgaon, Noida

- Bengaluru, Mysuru

- Chennai, Coimbatore

- Hyderabad, Secunderabad, Ranga Reddy

- Ahmedabad, Surat

- Jaipur, Indore

- 50+ more cities

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Unnati's Quick Personal Loans Are For:

- Home construction & renovation

- Family functions & weddings

- Paying off other loans & credit card bills

- Education fee financing

- Travel

- Medical emergency

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How does Unnati work?

- Download and login

- Fill in your loan requirements and employment info

- Upload your KYC, AADHAAR, PAN and photo

- Get Approved and disbursal on the same day

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Loan Approval Criteria:

- Income-to-Expense ratio

- Demographics (Age, Marital status, Education etc.)

- Professional experience (tenure with the employer, job stability, total work-ex etc.)

- Purpose of your loan and its authenticity

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