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Everyone

Credify Technologies Private Limited

Nougat

- Instant personal loans from ₹ 5,000 to ₹ 30,000
- Sanctions in just 30 mins 
- Interest rate ranges from 20%
- Maximum 36% per annum based on the product availed 
- Tenures is 90 days to 180 days based on eligibility
- Processing fees start at just ₹ 350 and the maximum is 3% whichever is 
  higher
 - No membership or upfront fees Representative cost of a Creditt’s Instant 

Personal Loan: 
Loan amount is ₹10,000 & interest rate of 20% per annum 
Loan Duration: 90 days; 
Total personal loan interest: ₹334 (₹10,000 x 20%/365 x 90 = ₹493) 
Processing Fees: ₹350 (inclusive of GST)
Total Applicable Deduction: ₹350
In-hand Loan Amount: ₹10,000 (loan approved) - ₹350 (processing charge) = ₹9,650
Monthly EMI Repayable: (Loan Amount + interest)/(No. Of EMI) = (₹ 10,000 + ₹ 493 = ₹ 10,493 / 3 ): 3498 Monthly repayment  
Total Loan Repayment: 13498/-  at the end of completion of the loan 
  
Loan Processing fees will be subtracted upfront from the principal amount and the remaining balance is transferred over.

*This is an indicative calculation, interest and other charges varies based on the Creditt profile

No credit history is required and no prepayment charges at all.

Creditt uses a proprietary scoring engine to evaluate the scoring to provide the best experience to the users in the need for an instant loan.

  Cities/States in which Creditt App is available. The exception to certain pin-codes which are still non-operational from below list 

*Customers having below mentioned Cities/States on their Aadhaar 
        Card are eligible for applying an instant loan  

         Mumbai 
         Thane 
         Pune 
         Delhi 
         Gujarat 
         Bangalore 
         Chennai  
         Coimbatore 
         Kolkota 
         Nagpur
         Udaipur
         Mysuru
         Ghaziabad
         Noida
         Gurugram

Document required
•	Aadhaar card needed to register
•       Customers will get the loan according to the Address mentioned on their Aadhaar Card
•       Active PAN card needed to apply for a loan

How Creditt app works?
•	Register using Aadhaar and mobile number
•	Avail a loan in 4 simple steps
•	On approval, loan amount transferred into the bank account in real-time

Data Security & Privacy
•	All the data are secure and safe with us
•	Phone contact list will be uploaded to Creditt server
•       SMS will be uploaded to Creditt servers and  monitor only your financial 
        transactional SMS about bank-related transactions, the names of the 
        transacting parties, a description of the transaction and the amount of 
        the transaction for the purpose of performing credit risk assessment.

APR and other Charges
The APR charged to the customer varies on the basis of the different products availed and the risk profile of the customer. The APR for different personal loan products: for Buy Now, Pay later loans 0%-27%, for Personal/Cash loans 18%-33%. The penalty is charged only when someone delays their scheduled payment. In addition, GST will be applicable only on the fee components as per Indian laws.

NBFC Details

• Partnered NBFC
1. Datson Exports LTD
2. Sampati Securities LTD

• RBI NBFC Registration Number
1. Datson Exports LTD - 05.00683
2. Sampati Securities LTD - 01.00214

Creditt is an innovative instant loan application with instant disbursal online.

Creditt - Instant loan online

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