paytm se loan kaise liya jata hai 2024 _ paytm se loan kaise len _ paytm loan _ paytm loan kaise le

If you are using Paytm Application Paytm also provides you personal loan Here you can see For proof I'm getting a loan of 3 Lakh Rupees In just 2 minutes 100% paperless process No collateral required Affordable EMI and Flexible Tenure I don't need to give any income proof Because I'm using Paytm Application Since a long time And my CVL is also updated If you are using Paytm And your CVL is updated CVL update means If you are using Paytm Application If you open it Check your CVL score If you click on it You have to submit your OTP And CVL will tell you The biggest benefit of CVL check is Paytm will know your CVL And according to CVL You have to give loan of how much amount and tenure So the biggest benefit is CVL check Just like our phone pay Just like our Google Pay Just like our Paytm So if you want to apply for a loan I'll tell you the complete process But before starting the video I'll tell you 2 fraud cases First fraud is When we download any third party application Which is completely unknown So you have to be careful Because you can get harassed And remember Harassment is of very bad level And second fraud is Even if you go in the comment box There are many people Who will say that I can give you a loan of this amount I can approve any loan You should stay away from them Because they will provide you that number And they will take Rs 200-300 from you So these are 2 frauds Now I'll show you the process of applying for a loan So friends To apply for a loan You have to install Paytm application After installing You must have created an account And second thing You must add your bank account Because whatever money you take from here It will be directly disbursed to your bank account So your bank account must be added After that you have to complete your KYC After that You have to come to the homepage As soon as you scroll down You will see the whole banner of loan and credit card Here you will see Pay loan, personal loan, free credit score And credit card option Now you have to click on personal loan After clicking you will apply for a loan But let's assume If your loan is rejected I'll tell you the solution Here you can see You are getting the option of free credit score You have to click on it I am telling you this situation When you think that your loan will be rejected You have to click on free credit score After that you have to enter your PAN number And check your civil score for free Now there are 2 big benefits The biggest benefit is that you will get to see your civil score for free With this you can compare To apply for a loan in Paytm What is the requirement of civil score And what is your civil score If your civil score is less Then don't apply for a loan Because you will get an inquiry And your civil score will be down The second benefit is If you check your civil score And if your civil score is better Then Paytm will provide you with Pre-approved loan and pre-approved credit card I am not doing this process Because I already got a pre-approved loan I am just telling you Before applying for a loan Check your civil score For now, we will click on personal loan Now you can see In the name of pre-approved We are getting a loan of 3 lakhs If you are thinking that Paytm is offering us a personal loan Then you are thinking wrong I will tell you the reality of this You can see Aditya Villa Finance Limited This is an NVFC And through this NVFC We are getting a personal loan Now you will think What is Paytm doing here Paytm is doing a mediator We were a user in Paytm Now Aditya Villa is listed in Paytm Paytm started giving loan To its customers through this company The biggest benefit of this You don't have to apply for a loan In any other NVFC Whichever NVFC you are eligible through There are 3 NVFCs Hero FinCorp Tata Capital Finance Service Aditya Villa Capital These 3 companies are with Paytm And you get a loan approval If we talk about the loan amount You can apply for a loan of 1,000 rupees And you can get a loan of 5,00,000 rupees In the name of loan facility You get a 24x7 Personal loan facility If we talk about the loan tenure You can apply for a loan For a minimum of 3 months And a maximum of 60 months You get a total of 5 years To repay the loan If we talk about the APR If you don't know APR is Annual Percentage Rate On any loan Hidden charges, interest rate Processing fees We have APR From 10.5% to 35% If any loan If you are getting APR above 35% or 30% Keep in mind That loan is going to be very expensive If we talk about the loan processing fees It can vary from 0 to 6% For example If we apply for a loan of 1,00,000 rupees And there is a zero processing fee Then no money will be deducted But if there is a 6% processing fee Then your 6,000 rupees Will be deducted instantly And the remaining amount will be disbursed So keep this in mind Now let's come back to the loan process On the second page You have to enter your PAN card number Make sure that your PAN card is correct Then enter your date and birth According to your PAN card Then enter your personal email id Then simply accept the terms and conditions And click on proceed On this page You have to enter your occupation First of all, you have to tell your occupation type Whether you are a salary person or self-employed If you are a non-employee Then you are getting the option I have chosen the salary Then you can see The name of the company Then your annual income Many people enter their monthly income Because of which their loan is rejected Then you have to enter your address pin code After entering the pin code It is asking the purpose of the loan You have to tell why you want to apply for this loan I am telling you literally You can select any option It won't make any difference I select personal use Then you have to click on confirm On this page According to our eligibility Minimum Rs 20,000 and maximum Rs 3,00,000 You can drag here And increase or decrease your loan amount If I select Rs 3,00,000 Then I am given two options First is my 24 month loan And second is 30 month loan My monthly interest rate is Rs 2769 And my monthly M.I. is Rs 15,269 If I select 30 month loan Then my M.I. is reduced Remember one thing If your loan amount increases Then you will get more tenure And you have to pay more processing fees So make sure You choose the minimum loan amount So that your work goes well Because you will get less tenure And you will have to pay less charges But we are not going to select Rs 3,00,000 We select Rs 1,00,000 Then you can see My M.I. is reduced Now I am given options for 12 months and 18 months And here I will show you If you go to loan details Then you will get Rs 94,690 Which will be disbursed in my bank account And total amount you repay Means how much I have to repay That is my Rs 1,24,506 And here you can see My APR is also being told I have to pay 29% APR Now you know APR has a lot of charges Here you can see processing fees I have to pay 4.5% plus GST Which is Rs 4,500 Then I have to pay interest rate 1.36% per month Which is Rs 18 months So here I have to pay total interest rate Rs 24,506 Now you can see Whether you should take this loan or not We simply accept the term and condition And click on continue to KYC Now on this page You have to verify your selfie So you have to click on take a selfie now Now on this page You have to upload a selfie And submit it After submitting you can see Bank account option is given Now whichever bank you want to receive this money You have to enter the bank number And IFC code is optional If you have then enter Otherwise you can skip it After that you have to proceed Now you can see We have got a message after transferring Whatever amount is there It has been successfully transferred to our bank account Here you have to wait for 2 to 3 hours Whatever bank account you have added This money will be sent to that So friends this was the complete process of applying loan from Paytm And after applying loan you have to wait for 2 to 3 hours It is possible that some additional verification Can be done with you In my case, no such verification has been done I have been provided a loan directly But if your CV or any Inquiry is left Then Paytm will do the verification Remember after verification You have to wait for 2 to 3 hours And it is possible that you have to wait for 24 hours To get the amount in your bank account So friends whatever was the process and possibility I have cleared it for you And I had told you in the beginning That I will provide loan Stay safe from them Because I am tired of removing them Now you have to understand From where you have to apply loan And second point You don't have to get involved in any fraudulent loan application So friends that's all for today's video Make sure to like the video and subscribe to the channel I will see you in the next video till then Jai Hind Jai Bharat