Unnati - Quick Personal Loan Online Upto Rs 3 Lakh description

💰 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 10,000💰

💰 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%

📝 Prominent Disclosures:
- All loans are provided via RBI registered NBFC - 'Upwards Capital Pvt Ltd' and our other RBI registered co-lending partners (More details here
a. RBI Licence https://bit.ly/3oKV80X
b. Co-lending partner details https://upwards.in/our-lending-partners, https://bit.ly/2MUxqCa)
- 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 here https://bit.ly/2O770Or, privacy policy here https://upwards.in/policy)

🎯 Why Unnati - Quick Personal Loans?
✔️ Quick approvals and disbursal (max 24 - 48 hours)
✔️ No physical paperwork - everything from the mobile app.
✔️ Only PAN, bank statement and salary slips required.
✔️ Prompt customer support
✔️ Low interest rate & foreclosure charges
✔️ No collateral
✔️ Online EMI calculator: Calculate EMI for your loan amount, interest rate and loan tenure
✔️ Small App Size: Our new app is a web-light version with only 8MB size vs. Upwards app which is 20MB in size.

🔐 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

👍 Eligibility:
- Salary > Rs.10,000/month
- Age: 22 - 55 years
- CIBIL: NTC or >= 625

🏠 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

🤝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

📲 How does Unnati work?
- Download and login
- Fill in your loan requirements and employment info
- Upload your KYC, AADHAAR, PAN and photo
- Approval will be communicated within 24-48 hours
- After that, we will process the loan agreement and you will get loan amount
- That's it! You need to pay your EMIs on the due dates once the loan is disbursed.

✔️ 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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