NIRA Personal Loan
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Features
🔴 100% digital & paperless process
🔴 Loan up to Rs.5000 to 100000
🔴 Quick loan disbursal
🔴 Low interest
🔴 Flexible repayment tenure
Fees & Charges
🔹 Processing fees - On an average 750/-
🔹Foreclosure charges - prepay within 7 days of loan disbursal, there will be zero prepayment charges. After 7 days, you'll incur a prepayment penalty of 4% of the prepayment amount
Eligibility Criteria
🔹 Age: Between 21 - 55 Years
🔹 Employment type - Salaried Individual
🔹 Minimum Salary - Rs.12,000+
🔹 CIBIL Score : 0, 681+
Documents required
🔹 Aadhar Card
🔹 PAN Card
🔹 Bank Statements (Last 3 Months)
🔹 3 months of Salary Slip
🔹 3 months of Salary Bank account statement
🔹 Net banking / Debit Card
Process
♦️ Customer needs to enter the name, mobile number, Email ID and Pincode then click on 'start journey now'
♦️ Now the customer will be redirected to the play store app to install Nira app
♦️ Now select the language and click on 'Ok'
♦️ Select the loan amount and tenure on the screen and click on 'Proceed'
♦️ Mark in the check box and accept T&C and click on 'I Agree'
♦️ Allow accessing device, location then enter the mobile number and verify with the received OTP
♦️ On the next page select employment type, mention where do you get your salary, monthly income, and click on 'Proceed'
♦️ Now submit personal details and click on 'Proceed'
♦️ Mention the purpose of the loan, how much loan you need, and click on 'Proceed'
♦️ After reviewing the details system will show the eligible loan amount to the customer click on 'Finish Process'
♦️ Now add company details, verify company email ID or upload employment proof like Offer later/employee ID
♦️ On the next page complete KYC by clicking on 'Apply now'
♦️ Now submit current address details and emergency contact details
♦️ Submit salary account details like account number, IFSC code and proceed
♦️ Now verify Bank statement through net banking or upload Bank statement.
♦️ Now upload address proof and click on 'Next'
♦️ On the next screen mark in the check box and click on 'Accept' to generate the credit report
♦️ Enter the OTP received on the mobile number and click on 'Proceed'
♦️ Credit score will be shown on the screen, click on 'Continue'
♦️ Now eligible loan amount will be shown on the screen, click on 'Proceed to get the loan'
♦️Enter Aadhaar number and click on 'Start Aadhaar KYC'
♦️ Once the Aadhaar KYC is done customer needs to sign a sanction letter. Mark in the check box and click on 'confirm'
♦️ After that set up eMandate to repay your loan amount automatically.
♦️ After this final verification will be done by the system & if customer's details are correct then the loan will be approved and transferred into the bank account.
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Rules to Follow
🔵 Available for only new users, your customers should not have any existing relationship with Nira.
🔵 If you are not able to finish the loan applying process due to any reason, then you have to complete the process using the same link for benefits
🔵 Make sure that the same mobile number shall be use in complete onboarding process.
🔵 Customer mobile number should be linked with Aadhaar card.
🔵 Customer must complete the application on their device. if more than one customer use the same device to apply, then loan gets rejected.
Frequently Asked Questions (FAQS)
1. Why 'Nira'?
-NIRA is an Indian consumer finance business that offers small loans to low-income salaried individuals. The loan will be similar to a Credit Card where there is a pre-set limit which you can utilise the way you desire.
2. To whom I should refer Nira?
-Customer's age should be between 21 - 55 Years, they should be salaried individual and income should be Rs.11,000 to Rs.40,000.
3. How long does the application process take?
-The application process is very easy and should not take more than 15-30 minutes of your time.
4. How long does it take to disburse its personal loans?
-Once the application will be submitted system will verify the details. If the details are correct then the loan will be disbursed within 48 hours.
Tags
Personal Loan