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Everyone

Finjet services Private Limited

Nougat

MyKredit is a mobile based Instant Personal Loan Platform. Users can apply for a Personal Loan of up to Rs 50,000 from RBI-approved NBFC Manhattan Financial Services Ltd.
The application process is completely digital, and once approved, the funds are transferred immediately to your bank account.

Amount, Tenure, Fees & Charges
Loan Amount: from ₹ 2,000 to 50,000.
Tenure: 91+ days (minimum period, including renewal period), up to 180 days (maximum period, including renewal period)
Maximum Annual Interest Rate: 35.04 % per annum.

EMI calculation Example
If loan amount is ₹50,000 & interest is 35.04% per annum; and loan is to be repaid over 6 EMIs (180 days ), then overall interest payable is ₹8,640 only. The EMI per month would be ₹9,773 only.

Interest Calculation
loan amount is          ₹50,000,
Loan term               6 Months (180 days),
ROI                     35.04% per annum,
Interest Payable        = ₹ 50,000*35.04%/365*180 = ₹8,640,
Equated Monthly EMI	    ₹9,773.33 per month for 6 months,
Total amount            repaid	=₹50,000+ ₹8,640 = ₹58,640.
Fee:
Technology/Platform fee on the loan is:             ₹300
One Time on boarding fee:                           ₹120
Tax on the Technology/Platform fee (GST at 18%)     = ₹300 * 18% = ₹54
Tax on One Time On boarding fee (GST at 18%):       = ₹120 * 18% = ₹21.6

Total Cost of the Loan(with all taxes):
Total cost of the loan:     ₹8,640 + ₹300 + ₹120 + ₹54 + ₹21.6 = ₹9,135.60
APR %                = 37.05% (=₹ 50,000/₹9,135.60*365/180)

Users will be charged a late payment penalty fees only when users delay their scheduled payment.
MyKredit, delivers the best customer experience, world-class product and services, Secure and safe engagement. 

Why MyKredit?
- Apply anytime from anywhere.
- All Indian citizens from anywhere across India are eligible.
- Customers with low or no credit history are eligible.
- Decision is made instantly.
- When approved, sanctioned amount is credited to your bank account immediately.
- Convenience of automatic repayment along with other payment modes.
- No pre-payment penalty if loan is repaid before due date.
- 24*7, process of loan, so that you can avail loans even on holidays

What kind of documents need to apply for MyKredit loan?
All we need from you are:
- A Selfie
- Your PAN card details
- One government ID
- Address proof

How does MyKredit works?
- Install MyKredit app from Google Play Store.
- Register yourself via your mobile.
- Fill in the information and upload relevant documents
- E-sign the agreement.
- Get money on approval.

Which States does MyKredit service?
We provide Personal loan in PAN India.

Who can apply for a loan?
• All Indian nationals residing in India
• Anyone with an Android phone and a working internet connection
• Anyone above 18 years of age
• Valid bank account and PAN card

Security:
Our process are highly compliant with industry standard security protocols. Data is transported over secured HTTPS connections. All transactions are secured via a 256-bit SSL encryption. We do not share your data without your consent.

Contact Us:
Customer Service Email: care@mykredit.in
Address: 805B, Plot no A-42/6, Sector 62, Noida (UP).

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