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   FAQs For Personal Loan
 * How can I apply?
   We are enabling more and more active Paytm customers to avail Quick and easy
   Personal Loan through Paytm! You can check your loan eligibility by searching
   for "Personal Loan" on Paytm APP and clicking on the Personal Loan icon.
   
   You must be between 25-60 years of age to be approved of the loan .
 * What is the maximum amount I can borrow?
   Personal Loan offers start from as low as Rs. 10,000 and upto 2 lakh. The
   maximum amount can differ from person to person.
 * What are Details required to apply for personal loan? Is it simple?
   Yes, it's simple and application can be completed while sipping Coffee!
   1. Start with your KYC and Occupation Details
   2. Select Bank Account for Loan Disbursal and EMI Repayment Setup
 * How is my KYC conducted for Loan through Paytm?
   KYC is completed through the below steps
   1. Identifying CKYC ID basis PAN, and then downloading the KYC Data from
   Central KYC Registry (CKYCR).
   2. Via Paperless Offline Aadhaar XML
   
   
   You may also be asked to take a selfie during the loan application and other
   digital checks are performed to ascertain the correctness of your identity.
   The overall KYC process requires zero documentation and can be finished
   within few minutes.
 * How much interest will be charged?
   Interest rate along with applicable EMIs is shown to you during the loan
   application before availing the Loan.
 * Where will Paytm transfer my loan amount?
   Your loan would be transferred to your preferred Bank Account that you select
   during the loan application. The EMI repayment Enach needs to be set up from
   the same Bank account and will also be deducted from the same Bank Account
   once loan is active. In case you are unable to set up the enach from your
   preferred Bank account due to some issue like internet down time, you may try
   after some time or choose an alternate bank account
 * What are the fees? Why should I pay them? Are there hidden fees?
   Standard charges that are applicable are as follows
   1. Processing Fee + GST
   2. Late Payment Fee - Only in cases of delayed EMI payments
   3. Bounce Charges - Only in cases of EMI instalment auto-debit bounce from
   linked Bank Account
   Amount received in your bank account is after Processing Fee deduction and
   GST Invoice for the same will be sent on your preferred e-mail ID.
   All the Charges and Fees are shown clearly in the Loan Agreement
 * What happens if I don't pay back OR miss EMI repayments on the Loan ?
   We strongly urge customers to avoid missing their instalment payments.
   1. Paytm, on behalf of Lender, will remind you through multiple channels to
   make your instalment payment immediately if you have missed. A legal
   re-course may also be taken.
   2. You will be charged additional interest for Non-payment as per the Loan
   agreement, which will increase your Loan balance. Till you pay the additional
   balance, your loan will not be considered closed, and will lower your Credit
   Score.
   3. Paytm may consider to not provide additional loan offers in future.
   4. Credit Score such as CIBIL, Experian will also reduce which will create
   difficulty for banks to give you even Credit Card or 2-Wheeler or House loan
   to you in future.
 * What documents will be shared with me during the loan and on closure?
   Paytm, on behalf of lender, will provide you below documents 24X7 on the
   registered e-mail ID
   1. Welcome Letter (on loan activation)
   2. Loan Agreement (on loan activation)
   3. EMI Repayment Schedule (on loan activation)
   4. Statement of Loan Account
   5. GST Invoices for Charges paid
   6. No Objection Certificate (on loan closure)
 * Who is the Lender offering the Loans through Paytm?
   Paytm (One97 Communications Ltd) partners with various lenders to offer loan
   services to it's customers. The lender that is approving the Personal Loan
   offer is shown on the Loan Offer screen, Loan Agreement as well as in the
   Loan documents clearly.
   The Credit Information companies such as CIBIL, Experian will also show the
   Personal Loan with the same lender name.
   
   
   You would have received the T&C document on your registered email address
   post activation of your Personal Loan account. The T&C document mentions the
   contact details of the lender.
   
   
   Alternatively, you can find the detailed contact information of our
   registered lenders below.
   
   
   Name – Clix Finance India Private Limited
   
   
   Phone – 1800 200 9898
   
   
   Email – hello@clix.capital
   
   
   Grievance Redressal Mechanism Link - Click Here
   
   
   Name – Arthimpact Digital Loans Private Limited
   
   
   Email – help@happyness.net
   
   
   Grievance Redressal Mechanism Link - Click Here
   
   
   Name - Hero FinCorp Limited
   
   
   Phone - 18001024145
   
   
   Email - customer.care@herofincorp.com
   
   
   Grievance Redressal Mechanism Link - Click Here
 * When would my EMI repayments start after Loan Disbursal? Is Gap Day Interest
   applicable to me?
   For Loans disbursed before Cut off date (i.e.15 th of month), First EMI date
   would start from next month on EMI due date. Loan disbursed after Cut off
   date , First EMI date would start from next to next month on EMI due date.
   For Loan disbursals between 1st-4th of Month and 16- End of Month, Gap day
   interest would be applicable as the interest amount for this period is not
   included in scheduled EMIs repayments. An upfront Gap day interest is
   deducted from the loan amount at the time of disbursement in these cases.
   
   Loan Disbursement date Gap Day Interest applicable First EMI Date Interest
   built in First EMI From To 1 4 Yes Next Month EMI due date Full Month 5 15 No
   Next Month EMI due date From date of disbursal to Next emi due date 16 EoM
   Yes Next to Next Month EMI due date Full Month

 * How can I pay my missed EMI / Foreclose the Loan?
   In case due to inadvertent circumstances your EMI is not cleared from your
   bank account via the auto debit Enach mandate on the due date, you can
   deposit it yourself through the Paynow Section of the loan pass book in the
   Paytm app itself using your net banking / debit card. Alternately the EMI
   mandate will be represented.
   You may foreclose the loan as per the terms and conditions of the Lender,
   through the Paynow Section of the loan pass book in the Paytm app itself
   using your net banking / debit card.
 * How can I change my Bank account used for repaying the Emi ?
   Presently we do not have the feature of facilitating change of bank account
   used to set up the EMI mandate. We urge you to continue servicing your EMI
   through your Bank account that was used to set up at the time of Loan
   Disbursement.

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