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Grievance Details

IndiaLends & Bureau Grievances
Flexiloans
Axis Bank
IndusInd Bank
HDFC Bank
Piramal
InCred
Credit Saison
Mcapital
MoneyView
TATA Capital
Yes Bank
Credit Vidya
Paysense
BHANIX FINANCE AND INVESTMENT LIMITED (CASHe)
Fibe
Finzy
MoneyTap
LendingKart
IIFL
L&T finance
SMFG India Credit Company Limited
Poonawalla Fincorp
Kissht (Si Creva Capital Services Pvt Ltd)

Piramal Grievance Officer Details

Name: Mr. Kishore Dalwani
Address: 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (W) Mumbai MH400070.
Email : nodal.officer@piramal.com
Contact Number: 022- 69181439

IndiaLends Grievance Officer Details

Name: Yojana Kumari
Designation: Grievance Officer
Email ID: grievance@indialends.com
Contact No: 0124-6983600
Address: Plot no. 31, 1st & 2nd Floor, Sector 18, Udyog Vihar, Gurugram, Haryana - 122015

InCred Grievance Officer Details

Name: Mr. Vaidyanathan Ramamoorthy
Designation: Grievance Officer
Email ID: incred.grievance@incred.com
Contact No: 022-42117799
Website: https://www.incred.com https://www.incred.com/grievance.html
Address: Incred Financial Services Limited, 1203, 12th Floor, B Wing, The Capital, Bandra Kurla Complex, Mumbai - 400051

Credit Saison Grievance Officer Details

Name: Ms. Preethi Nair
Designation: Grievance Officer
Email ID: preethi.nair@creditsaison-in.com
grievance@creditsaison-in.com
Contact No: 9962003070
Address: IndiQube Lexington Tower, First Floor, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029

Mcapital Grievance Officer Details

Name: Mr. Neeraj Komath
Designation: Grievance Officer
Email ID: neeraj.komath@mcapital.co.in

MoneyView Grievance Officer Details

Name: Mr. Venkatraman Narayan
Address: No. 17, 3rd Floor, Survey, 1A, Dr Puneeth Rajkumar Rd, Kadubeesanahalli, Bellandur, Bengaluru, Karnataka 560087
Contact No: +91-8045692002
Email ID: grievance@moneyview.in

TATA STPL Grievance Officer Details

Name: Francyna Dias
Designation: Grievance Redressal Officer (GRO)
Address: 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400013
Contact No: 18602676060

Credit Vidya Grievance Officer Details

Name: Abhilash Talapatra
Contact No: +91-8879773813

Paysense Grievance Officer Details

Name: Keshav Naicker
Contact No: +91-9930576555
Address: Paysense Services India Private Limited, Jai Villa Dev Shakti, Tilak Road, Santa Cruz West, Mumbai – 400054

Early Salary Grievance Officer Details

Grievance Redressal Officer: Mr. Amit Nosina
Company name: EarlySalary Services Private Limited
Tel: 020-67639797
Email: grievance@earlysalary.com
Customer Care: Mail to care@earlysalary.com or call at 020-67639797
Redirection link for RE’s: www.earlysalary.in

Finzy Grievance Officer Details

Escalation contact number: 9513330562
Email ID: grievances@finzy.com

MoneyTap Grievance Officer Details

Name: Anjali Panwar
Contact Number: +91-6361121526
Email ID: grievance@moneytap.com
Office address: G-405, 4th Floor, Gamma Block,Sigma SoftTech Park, Varthur Kodi, Whitefield Road, Bangalore, 560066 KARNATAKA

LendingKart Grievance Officer Details

Name: Ms. Ajitha K
Contact Number: +91-6358874622
Email ID: grievance.redressal@lendingkart.com

IIFL Grievance Officer Details

Designation: Nodal Officer
Address: IIFL Finance Limited, IIFL House, Sun Infotech Park, Road No.16V, Plat No. B-23, Thane Industrial Estate Area, Wagle Estate, Thane – 400604
Contact Number: +91 22 4520 5810 / +91 22 6817 8410
Email ID: nodalofficer@iifl.com

Cashe Grievance Officer Details

Grievance Redressal Officer: Pushpinder Kaur
BHANIX FINANCE AND INVESTMENT LIMITED (CASHe).
Tel: +91-9983107444
Email: Grievance@Bhanix.in

Customer Care:
BHANIX FINANCE AND INVESTMENT LIMITED (CASHe).
Tel: 022-46047350
Email: support@cashe.co.in

GRO details for LTF

Mr. Vinod Varadan
Grievance Redressal Officer
L&T Finance Limited (formerly known as L&T Finance Holdings Limited),
3rd Floor, "Brindavan Building", Plot No 177,
C.S.T Road, Kalina, Santacruz (East),
Mumbai - 400 098
Contact Number: 1800 1020 476 between Monday to Friday (except National Holidays) from 9am to 6pm
Email ID: gro@ltfs.com

Website: www.ltfs.com/grievance-redressal

GRO details for SMFG India Credit Company Limited

Email ID: GRO@smfgindia.com
Contact Number: 022-69581104
Grievance Redressal Mechanism (link to page) - Policies | SMFG India Credit

GRO details for Poonawalla Fincorp Limited

Name: Rati Mundra
Email ID: grievance@poonawallafincorp.com
Contact Number: 020-67808090

Customer Care:
Tel: 020-67808090
Email: customercare@poonawallafincorp.com

GRO details for Kissht (Si Creva Capital Services Pvt Ltd)

Name: Mukul Dwivedi
Si Creva Capital Services Private Limited,
10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West,
Mumbai, Maharashtra 400070.
Email ID: mukul.dwivedi@sicrevacapital.com
Contact No: 08044745954

HDFC Grievance Officer Details

IndiaLends acknowledges and agrees that IndiaLends does not lend any money to the borrower, but merely facilitates the provision of the loan for the borrower from one or more lending Partners
Products Offered – Loan on Credit Cards
Important Links : HDFC Bank important Links

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Personal Loan

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a wide array of options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.