Introduction
Welcome to FinOnTime (“we”, “our”, or “us”). This privacy policy outlines how we collect, use, and protect your personal information when you use our website finontime.com (“Website”).
Information We Collect
We may collect personal information that you provide voluntarily, including but not limited to:
- Name
- Email address
- Contact information
We may also automatically collect certain information when you visit our Website, such as your IP address, browser type, and referring URLs.
How We Use Your Information
We may use the information we collect for various purposes, including but not limited to:
- Providing and personalizing our services
- Improving and optimizing our Website
- Communicating with you, including responding to your inquiries
Cookies
Our Website may use cookies to enhance your user experience. You can choose to disable cookies through your browser settings, but this may affect the functionality of the Website.
Third-Party Links
Our Website may contain links to third-party websites. We are not responsible for the privacy practices of those websites, and we encourage you to review their privacy policies.
Security
We take reasonable measures to protect the security of your personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Changes to This Privacy Policy
We reserve the right to update or modify this privacy policy at any time. Changes will be effective upon posting on the Website. It is your responsibility to review this privacy policy periodically.
Contact Us
If you have any questions or concerns about our privacy policy, please contact us at privacy@finontime.com.
ICICI BANK PL Product Policy
Income Norms:
- Elite – 30K NTH
- Govt – 40K NTH
Super Prime:
- ICICI Salary A/c – 30K
- Other Salary A/c – 35K
Preferred:
- ICICI Salary A/c – 35K
- Other Salary A/c – 40K
Open Market:
- Net Salary ICICI Bank 50K
- Other Bank 75K (loan amount max 10 lacs)
CIBIL:
- 0 / -1 – YES with ABB Norms met
- Less than 700 – with mitigant (live loan more than 12 EMIs paid)
Bachelor Accommodation: Yes
Hostel / PG: Yes
Age Norms:
- Min: 23 Yrs
- Max: 58/60 (Only for Central Govt)
Foreclosure Charge: Zero “0” for all customers after 12 EMIs
Employment: Minimum total Employment 2 Yrs required (in one or multiple jobs)
Minimum Locking Period: 01 Month
Topup: Allowed only after 6 EMIs being paid
Parallel Loan: Allowed only after 3 EMIs being paid
Balance Transfer: Allowed for any number of loans based on eligibility
Credit Card BT: Not allowed
MCA Registration: Mandatory
Partial Payment: Not allowed
Foreclosure Charges: Allowed after 12 EMIs @ Zero
Tenure:
- Minimum: 12 Months
- Maximum: 72 Months for Elite and Govt, sal > 50K CIBIL > 740. Else 60 months
Co-applicant / Joint loans in CIBIL:
- Obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co-applicant pay slips and bank statements on file)
FOIR Norms:
- Sal 30K – 50K:
- Elite, Govt & Superprime – 50%
- Preferred & Open Market – 50%
- Sal 50K – 70K:
- Elite, Govt & Superprime – 65%
- Preferred & Open Market – 55%
- Sal 70K and above:
- Elite, Govt & Superprime – 70% (with HL)
- Preferred & Open Market – 60%
NRI Loans:
- The customer should have an NRI or NRE account
- NRI would be co-applicant in the loan
- Income and eligibility will be calculated based on the average remittance in ICICI NRE account
- Maximum loan amount: 20 L based on the policy and eligibility
- Documents required as per policy:
- Applicant – KYC docs req in India and also address proof abroad (Bank statement, phone bill, driving license, passport, rental agreement, or invoice copy)
- NRI – income, passport, employment, contract copy & bank statements with salary credit req
Pensioner PL Policy:
- Applicable for retired Govt and Non-Govt employees
- Loan amount from 50K to 5 lakh
- Maximum Age: 65 Yrs
- Maximum tenor 36 months
- Minimum pension 20K per month
- Coapplicant mandatory
- Other income can be considered maximum up to 50% of the pension amount based on ITR filed
Paysense Policy Update
Launches
Salary
- Rs 20,000 For Mumbai (including Navi Mumbai & Thane) & Delhi-NCR
- Rs 18,000 for Other locations
Age
- Minimum age of 21 years at loan application
- Maximum age of 60 years at loan maturity
Loan Amount
- Minimum Amount – INR 5,000/-
- Maximum Funding: 7.5 Lacs
- PL BT: 2 Tradeline
Company
Employees of all types of entities are eligible under this program such as Public Ltd., Private Ltd., Partnership firm, Proprietorship firms, LLP and Government entities.
Pin Codes
Approx 10000 Pin Code PAN India, You can Source business from your Place. Pin Code List Attached
SELF EMPLOYED
- Eligible Segment: – Self Employed Individuals – Proprietorship
- Loan Amount: 50k to 5 Lac
- Tenure: Min 6 Max 60
- Income: 300,000 Annual / NPAT- take last 2 years average
- Business stability: 2 years
Documents
- KYC – as per approved KYC list.
- Business proof establishing 2 years stability* and reflect customer’s name
- Any Government/governing body issued certification of Business establishment like…
- Shop and establishment certificate
- GST Certificate
- MCA Certificate
- Trade license
- A Certificate of continuity issued by the Bank
- Business ITR
- 2 years ITR and date of filing > 3 months
- If owned residence, ownership proof required.
- Rented Premises (Residence/Office) Rent Agreement required
- 6 months banking – additional documents may be needed for current account/Saving Account (Proprietor only)
PaySence (PayU Finance)
We are doing good in PL Business and We need to Push Logins in system. Digital Process – Login to Disbursal.
We Have Fast Track (Up-Top) Disbursal Process within 2-3 Hrs Customer Loan Gets Disbursed. Please connect with your PaySense Relationship Managers for Case to Case Updates.
Thanks And Regards
Sagar Thongire
Manager // Personal Loan
Paysense Finance
Some Important Pdf click for more Info
ALL BANK POLICY:-
STANDARD CHARTERED BANK
PAYSENSE PERSONAL LOANS
ESBD DSA PL JOURNEY
Greetings from NEOGROWTH CREDIT PVT LTD
BUSINESS LOANS UP TO ₹75 LAKHS
- RBI Registered, Established in 2013.
- MSME Focused retailers, wholesalers, traders, suppliers, service providers.
- Catering to 75+ segments
- PAN India Presence, Catering to 27+ cities
MSME FOCUSED BUSINESS LOANS
- 100% Digital Process for Logins
- Hassle-Free Business Loans
- Superfast Disbursals.
- Minimum Documentation
- No negative customer Profile.
- Slum residence or Office address not allowed.
- Minimum cibil 700+
Products Snapshot
-
NEO CASH INSTA
- Customer Profile – PURE RETAIL.
- Loan Amount – ₹1 Lakh to ₹15 Lakh
- Repayment Frequency – Daily
- Tenure- 500 Days / 720 Days’
- NO FINANCIALS or ITR REQUIRED
-
NEO CASH EXPRESS
- Customer Profile – PURE RETAIL.
- Loan Amount – ₹16 Lakh to ₹ 30 Lakh
- Repayment Frequency – Daily / Weekly/ Fortnightly
- Tenure- up to 720 Days
- NO FINANCIALS or ITR REQUIRED
-
NEO CASH RETAIL
- Customer Profile – PURE RETAIL.
- Loan Amount – ₹31 Lakh to ₹ 75 Lakh
- Repayment Frequency – Daily / Weekly/ Fortnightly
- Tenure- 18 months to 36 months.
- LAST TWO YEARS FINANCIALS or ITR REQUIRED
-
ACCELERATOR
- Customer Profile – Non retail like Wholesaler, Distributor, Traders, Manufacturer or Service Provider
- Loan Amount – ₹15 Lakhs/ ₹20 Lakhs/₹25 Lakhs/ ₹30 Lakhs
- Repayment Frequency – Monthly
- Tenure- 24 Months and 30Months
- NO FINANCIALS or ITR REQUIRED
Special conditions – Minimum of one existing track of Rs. 20 Lakhs of Business loan / OD/ CC or Rs 1 Cr Lap or Rs 50 lakhs Turnover from Large corporates.
-
VENDOR FINANCE
- Customer Profile – Clients dealing with large corporates or Government bodies of Average Turnover of Rs. 25 lakhs per month in last 6 months.
- Loan Amount – ₹30 Lakhs to ₹75 Lakhs
- Repayment Frequency – Weekly/ Fortnightly/ Monthly
- Tenure- 18 to 36 months
- LAST TWO YEARS FINANCIALS or ITR REQUIRED
LARGE CORPORATES
Company’s which are reporting Turnover of Rs. 500 Crs and PAT of 5 crs + for last 2 years.