Arvanta Financial Services — Premier Digital DSA & Loan Distribution

Loan EMI & Credit Card Sourcing Portal

Direct numeric input, real-time repayment calculator, monthly amortization schedule, and instant WhatsApp DIY delivery.

Loan Amount

₹

₹50,000 ₹50,00,000

Interest Rate (% p.a.)

8.5% p.a. 24.0% p.a.

Loan Tenure

6 Months 360 Months (30 Yrs)

Processing Fee (% of Loan)

0% (Zero Fee) 5.0% Max

Processing Fee: ₹7,500

+ 18% GST: ₹1,350

= Total Upfront: ₹8,850

Estimated Monthly EMI

₹16,488

At 11.5% p.a. Reducing Rate

Principal Amount

₹5,00,000

Total Interest

₹93,569

Total Amount Payable

₹5,93,569

Net In-Hand Disbursal

₹4,91,150

Processing Fee (1.5%)

₹7,500

18% GST on Fee

₹1,350

Total Upfront Deduction

₹8,850

All-Inclusive APR

11.09% p.a.

Tenure & Payoff

36 Mo (Oct 2029)

Digital KYC Journey

⚡ Instant Paperless

📐 Equivalent Flat Rate

≈0% p.a.

OFFICIAL DIRECT BANK ONBOARDING

AU Small Finance Bank & IDFC FIRST Bank Credit Cards

Official digital card journeys with instant paperless video KYC, lifetime-free options, luxury metal editions, and automated WhatsApp DIY links.

Luxury Metal Edition

AU Zenith+ Metal Credit Card

✦ Handcrafted luxury metallic card design with contactless NFC
✦ 16 complimentary international & domestic airport lounge visits/yr
✦ 10,000 bonus reward points + Taj Epicure lifestyle membership
✦ 2 complimentary golf games & golf lessons every calendar quarter

First Year Fee: ₹4,999 + GST Credit Limit: Up to ₹10 Lakhs

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Super Premium Lifestyle

AU Zenith Credit Card

✦ 10,000 welcome reward points upon card activation & spend
✦ 16 complimentary airport lounge accesses across India & abroad
✦ 20 reward points on every ₹100 spent on dining & international
✦ Complimentary golf access & dedicated concierge services

Annual Fee: ₹7,999 (Waived on ₹5L) Credit Limit: Up to ₹8 Lakhs

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Executive Lifestyle

AU Kosmo Credit Card

✦ Crafted for startup founders, CXOs and modern executives
✦ International airport lounge access with Priority Pass
✦ Curated luxury dining, golf memberships and concierge desk
✦ Comprehensive lost card protection & overseas medical assist

Annual Fee: ₹2,499 (Premium Tier) Credit Limit: Up to ₹10 Lakhs

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Lifestyle & Dining

AU Vetta Credit Card

✦ 4 reward points on every ₹100 spent on grocery & department stores
✦ 1 complimentary domestic lounge access per calendar quarter
✦ ₹2,000 bonus shopping milestone voucher on quarterly spends
✦ Comprehensive ₹50 Lakh complimentary air accident insurance

Annual Fee: ₹2,999 (Waived on ₹1.5L) Credit Limit: Up to ₹7.5 Lakhs

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Elevated Lifestyle & Dining

AU Ananta Credit Card

✦ 8,000 welcome bonus reward points on card activation
✦ Up to 5 reward points per ₹100 on shopping, dining & travel
✦ Complimentary domestic airport lounge access + No-Cost EMI
✦ Up to 15% instant savings with premium merchant partners

Annual Fee: ₹2,000 (Waived on ₹3L) Credit Limit: Up to ₹8 Lakhs

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Customizable & Free

AU LIT Credit Card

✦ 100% customizable features — turn on/off features anytime in app
✦ Up to 10X reward points on dining, grocery & travel spends
✦ 4 complimentary domestic airport lounge visits / year
✦ Customizable OTT (Hotstar, Zee5, Prime) & dining memberships

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹5 Lakhs

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Cashback & Rewards

AU Altura Plus Credit Card

✦ 1.5% cashback on all merchant POS retail transactions
✦ 2X reward points on all online shopping transactions
✦ 2 complimentary railway lounge visits per calendar quarter
✦ 1% fuel surcharge waiver across all fuel pumps in India

Annual Fee: ₹499 (Waived on ₹20K) Credit Limit: Up to ₹5 Lakhs

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Everyday Cashback

AU Altura Credit Card

✦ Up to 2% cashback on grocery, utility & retail spends
✦ ₹500 welcome cashback voucher upon milestone qualification
✦ 2 complimentary railway lounge accesses per calendar quarter
✦ 1% fuel surcharge waiver across all gas stations in India

Annual Fee: ₹199 (Waived on ₹10K) Credit Limit: Up to ₹3 Lakhs

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Everyday Spend Rewards

AU Laksya Credit Card

✦ 4,000 bonus reward points or ₹1,000 brand voucher on activation
✦ Up to 5 reward points per ₹100 on grocery, departmental & contactless
✦ 8 complimentary domestic airport lounge accesses per year
✦ Flat 15% partner merchant discount + Buy 1 Get 1 movie tickets

Annual Fee: ₹1,000 (Waived on ₹2L) Credit Limit: Up to ₹6 Lakhs

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Cashback & Movie Perks

AU Tejas Credit Card

✦ Flat 10% cashback on movie, grocery, food delivery & utility spends
✦ 500 bonus reward points upon completing first 5 transactions
✦ Up to 5 reward points per ₹100 spent across all merchant POS
✦ 1% fuel surcharge waiver across all fuel stations in India

Annual Fee: ₹500 (Waived on ₹1.5L) Credit Limit: Up to ₹5 Lakhs

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First Credit Card & EMI

AU Prathama Credit Card

✦ Ideal first credit card to build high CIBIL credit score
✦ Up to 2 reward points on every ₹100 spent on contactless transactions
✦ 500 bonus reward points on setting up recurring bill payments
✦ Instant Xpress EMI conversion for transactions above ₹500

Annual Fee: ₹100 (Waived on ₹75K) Credit Limit: Up to ₹3 Lakhs

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0% Forex & Flights

AU Ixigo Travel Credit Card

✦ Zero forex markup (0% foreign currency fee on intl spends)
✦ Flat 10% instant discount on flight & bus bookings via Ixigo
✦ 16 complimentary airport & railway lounge accesses per year
✦ 20 reward points on every ₹100 spent on train bookings

Annual Fee: ₹999 (Waived on ₹1L) Credit Limit: Up to ₹5 Lakhs

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Globe Trotter Edition

AU Traverse Credit Card

✦ Discounted 0.99% low foreign exchange markup abroad
✦ Unlimited international lounge access with Priority Pass
✦ Complimentary airport meet & greet concierge services
✦ Multi-trip international travel insurance included

Annual Fee: ₹1,499 (Waived on ₹1.5L) Credit Limit: Up to ₹6 Lakhs

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RuPay UPI Cashback

AU Paytm RuPay Credit Card

✦ Link directly to UPI on Paytm, GPay, PhonePe for merchant QR tap
✦ Up to 5% cashback on Paytm recharges, utility bills & movies
✦ Complimentary domestic railway lounge visits every quarter
✦ ₹250 welcome cashback voucher upon first transaction

Annual Fee: ₹499 (Waived on ₹25K) Credit Limit: Up to ₹3.5 Lakhs

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Bill Payments & Coins

AU CheQ Credit Card

✦ Accelerated 4X CheQ Coins on credit card & loan bill repayments
✦ Redeem coins directly against top brand shopping vouchers
✦ Contactless tap & pay functionality across all POS terminals
✦ 1% fuel surcharge waiver across India on spends ₹400 - ₹5,000

Annual Fee: ₹499 (Waived on ₹30K) Credit Limit: Up to ₹4 Lakhs

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UPI & Tap-to-Pay Cashback

AU Zaggle Credit Card

✦ Up to 8% Zagg Coins on zagg.money UPI and contactless Tap & Pay
✦ Up to 4% Zagg Coins on all leading eCommerce & online spends
✦ 100% direct redemption of Zagg Coins as instant wallet cashback
✦ Zero joining fee with co-branded RuPay credit on UPI integration

Annual Fee: ₹0 (Zero Joining Fee) Credit Limit: Up to ₹5 Lakhs

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Chartered Accountants

AU CA Credit Card

✦ Tailored exclusively for ICAI qualified Chartered Accountants
✦ Accelerated rewards on audit software, tax portals & office spends
✦ Complimentary domestic airport lounge access every quarter
✦ Preferential interest rates on professional business loans

Annual Fee: ₹0 (Lifetime Free for CAs) Credit Limit: Up to ₹10 Lakhs

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Company Secretaries

AU CS Credit Card

✦ Exclusively designed for ICSI qualified Company Secretaries
✦ High reward multiplier on MCA filing portals, books & subscriptions
✦ 4 complimentary domestic airport lounge visits per year
✦ Dedicated priority customer desk & relationship manager

Annual Fee: ₹0 (Lifetime Free for CSs) Credit Limit: Up to ₹10 Lakhs

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MSME & Business Cashback

AU Business Cashback Credit Card

✦ 1% cashback on total amount due repayment every billing cycle
✦ Instant working capital loan on credit card for business needs
✦ Complimentary access to domestic Railway Lounges
✦ 1% fuel surcharge waiver on business travel & fleet refueling

Monthly Fee: ₹99 (Waived on ₹10K/mo) Credit Limit: Up to ₹10 Lakhs

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Guaranteed FD Card

AU NOMO Credit Card

✦ 100% guaranteed approval — zero income proof or CIBIL required
✦ Earns up to 8.5% p.a. interest on underlying AU Fixed Deposit
✦ Credit limit granted up to 90% of your fixed deposit amount
✦ Fastest credit builder card to achieve 750+ CIBIL score

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to 90% of FD

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Instant Digital Secured

AU Instapay Credit Card

✦ Digital issuance in under 3 minutes with zero paperwork
✦ Interest-free credit period up to 48 days on retail spends
✦ Ideal starter card for young earners, students & freelancers
✦ 1% fuel surcharge waiver across India

Annual Fee: ₹0 (Zero Annual Fee) Credit Limit: Instant Limit against FD

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Virtual UPI RuPay

AU Spont Credit Card

✦ Instant virtual card for UPI QR payments & online checkout
✦ Earn reward points on everyday merchant QR code scans
✦ Zero physical card risk — control instantly via AU 0101 app
✦ Paperless video KYC with immediate real-time activation

Annual Fee: ₹249 (Waived on ₹10K) Credit Limit: Up to ₹2 Lakhs

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Weekend Lifestyle

AU Xcite Credit Card

✦ 3X reward points on weekend dining, groceries & food delivery
✦ BookMyShow movie ticket discount offers every month
✦ 24x7 complimentary emergency roadside assistance
✦ 1% fuel surcharge waiver at all gas stations across India

Annual Fee: ₹499 (Waived on ₹30K) Credit Limit: Up to ₹4 Lakhs

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Entertainment & Tech

AU Xcite Ace Credit Card

✦ 4 complimentary domestic airport lounge accesses per year
✦ Annual OTT subscription vouchers upon milestone qualification
✦ Accelerated points on electronics, gadgets & appliance shopping
✦ Purchase protection cover against accidental damage or loss

Annual Fee: ₹999 (Waived on ₹60K) Credit Limit: Up to ₹5 Lakhs

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Ultra Rewards & Travel

AU Xcite Ultra Credit Card

✦ 8 complimentary domestic airport lounge visits per calendar year
✦ Premium concierge service for travel, dining reservations & events
✦ Up to 20% dining discount across 2,000+ partner restaurants
✦ Personal air accident insurance coverage up to ₹25 Lakhs

Annual Fee: ₹1,999 (Waived on ₹1.2L) Credit Limit: Up to ₹7.5 Lakhs

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Ultra Luxury Metal Edition

IDFC FIRST Private Credit Card

✦ Zero Forex markup on all international spends & cross-border transactions
✦ Unlimited complimentary domestic & international lounge access for cardholder & guests
✦ 16X non-expiring reward points on incremental spends & curated luxury dining
✦ Dedicated private banking wealth banker, bespoke global concierge & Taj Epicure

Joining/Annual Fee: ₹50,000 + GST Credit Limit: Up to ₹50 Lakhs

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Super Luxury Metal Edition

IDFC FIRST Gaj Metal Credit Card

✦ Zero Forex markup on all foreign currency spends worldwide
✦ Unlimited complimentary domestic & international airport lounge access
✦ 10X non-expiring reward points on incremental spends & birthdays
✦ Exclusive Taj Epicure lifestyle membership & bespoke luxury concierge

Joining/Annual Fee: ₹10,000 + GST Credit Limit: Up to ₹20 Lakhs

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Super Luxury Metal

IDFC FIRST Mayura Metal Credit Card

✦ Zero Forex markup on international transactions worldwide
✦ 4 complimentary domestic & 4 international lounge visits/quarter
✦ 10X non-expiring reward points on incremental spends & birthdays
✦ Complimentary golf privileges, concierge & comprehensive insurance

Joining/Annual Fee: ₹3,999 + GST Credit Limit: Up to ₹12 Lakhs

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Luxury Metal Edition

IDFC FIRST Ashva Metal Credit Card

✦ Zero Forex markup on all foreign currency spends worldwide
✦ 4 domestic & 2 international airport lounge visits per quarter
✦ 10X reward points on birthday spends & incremental spends >₹20,000
✦ BOGO movie tickets on Paytm (up to ₹400, 2x/mo) & roadside assistance

Joining/Annual Fee: ₹2,999 + GST Credit Limit: Up to ₹10 Lakhs

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Luxury Travel & Air Miles

IDFC FIRST Diamond Reserve Credit Card

✦ Accelerated air miles on flight, hotel, and luxury dining reservations
✦ 16 complimentary domestic & 8 international airport lounge visits/yr
✦ Zero Forex markup on overseas retail & digital travel bookings
✦ Complimentary golf games and dedicated 24x7 global lifestyle concierge

Joining/Annual Fee: ₹4,999 + GST Credit Limit: Up to ₹15 Lakhs

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Luxury Air Travel & Miles

Club Vistara IDFC FIRST Credit Card

✦ Complimentary Club Vistara Silver membership & 1 free Premium Economy ticket
✦ Up to 6 CV Points per ₹200 spent & up to 5 complimentary flight tickets annually
✦ 2 complimentary domestic airport & 1 international lounge access per quarter
✦ Complimentary golf rounds, comprehensive travel insurance & zero liability protection

Annual Fee: ₹4,999 + GST Credit Limit: Up to ₹15 Lakhs

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Super Premium & Free

IDFC FIRST Wealth Credit Card

✦ Zero Forex markup fee & lifetime-free with zero annual charges
✦ 1 complimentary domestic & 1 international lounge access/quarter
✦ BOGO movie tickets on Paytm up to ₹500 (twice every month)
✦ ₹1 Crore complimentary air accident cover & golf privileges

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹10 Lakhs

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Lifestyle & Dining

IDFC FIRST Select Credit Card

✦ 10X rewards on incremental spends >₹25,000 & birthday purchases
✦ 2 complimentary domestic airport lounge visits per calendar quarter
✦ BOGO movie offers up to ₹250 twice per month on Paytm
✦ Complimentary Roadside Assistance (RSA) worth ₹1,399 across India

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹7.5 Lakhs

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Everyday Cashback & 10X

IDFC FIRST Millennia Credit Card

✦ 10X reward points on birthday spends & monthly spends >₹20,000
✦ 6X rewards on online purchases and 3X rewards on offline retail
✦ 25% discount on movie tickets up to ₹100 once per month on Paytm
✦ Reward points that never expire & 48-day interest-free ATM cash

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹5 Lakhs

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Everyday Essentials

IDFC FIRST Classic Credit Card

✦ 10X rewards on monthly spends >₹20,000 with zero expiration
✦ 6X reward points on online shopping & 3X points on offline spends
✦ 25% discount on movie tickets up to ₹100 once every month
✦ Interest-free ATM cash withdrawal up to 48 days with zero annual fee

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹4 Lakhs

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Youth Lifestyle & EMI

IDFC FIRST SWYP Credit Card

✦ Curated merchant discounts on Zomato, Nykaa, Goibibo & Domino's
✦ 1-click EMI conversion with flat monthly fee & zero interest confusion
✦ 4 complimentary domestic railway lounge visits per calendar year
✦ Milestone rewards: Up to 1,000 bonus points each billing cycle

Annual Fee: ₹499 (Waived on ₹50K) Credit Limit: Up to ₹5 Lakhs

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Youth Cashback & UPI

IDFC FIRST Hello Cashback Credit Card

✦ 5% accelerated cashback on UPI scan-and-pay transactions via RuPay network
✦ 3X non-expiring reward points on dining, OTT subscriptions & quick commerce
✦ Zero joining fee & zero annual fee forever with 100% lifetime free benefit
✦ Comprehensive accidental cyber fraud & merchant protection insurance

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹3 Lakhs

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Guaranteed FD Card

IDFC FIRST WOW! Credit Card

✦ 100% guaranteed approval on Fixed Deposit starting from just ₹2,000
✦ Zero income proof, no CIBIL score required — ideal for credit building
✦ Zero Forex markup fee — the best budget international travel card
✦ 100% ATM cash withdrawal limit of FD amount without instant interest

Annual Fee: ₹0 (Lifetime Free) Credit Limit: 100% of FD Amount

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Metal FD & UPI Rewards

IDFC FIRST WOW! Black Credit Card

✦ India's premier metal secured credit card backed by Fixed Deposit
✦ Zero Forex markup fee & up to 16.7% reward rate on UPI transactions
✦ Welcome benefits worth ₹5,000+ across travel, dining and lifestyle
✦ Earn high interest on FD while enjoying seamless credit card perks

Joining Fee: ₹1,000 + GST Credit Limit: 100% of FD Amount

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NRI Secured Global

IDFC FIRST WOW! NRI Credit Card

✦ 100% approval backed by NRE/NRO Fixed Deposit with zero domestic income proof
✦ Zero Forex markup on all international spends across 150+ countries
✦ Unlimited domestic lounge access and seamless high-yield NRE FD interest compounding
✦ Instant virtual card issuance for seamless global shopping and utility bill pay

Annual Fee: ₹0 (Lifetime Free) Credit Limit: 100% of NRE/NRO FD

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Smart Fuel Savings & UPI

IDFC FIRST Power Fuel Credit Card

✦ Up to 5% savings on HPCL fuel purchases (savings up to 50 litres/year)
✦ 2.5% savings on grocery, utility bills & 2x rewards on other retail spends
✦ RuPay enabled for instant UPI QR merchant scan & pay with rewards
✦ Annual fee waiver on spends of ₹50,000 in previous anniversary year

Annual Fee: ₹199 (Waived on ₹50K) Credit Limit: Up to ₹4 Lakhs

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Fuel Savings & UPI

IDFC FIRST Power+ Fuel Credit Card

✦ Up to 6.5% savings on fuel spends at HPCL petrol pumps across India
✦ 5% cashback on grocery and utility bill payments via RuPay UPI
✦ 1 complimentary domestic airport lounge visit per calendar quarter
✦ Welcome benefit of ₹500 cashback on HPCL transactions

Annual Fee: ₹499 (Waived on ₹1.5L) Credit Limit: Up to ₹5 Lakhs

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Airline Co-Branded

IDFC FIRST 6E Rewards IndiGo Credit Card

✦ Up to 6% 6E Rewards on flight bookings on IndiGo mobile app and website
✦ 3% 6E Rewards on dining, grocery & entertainment spends across India
✦ 1 complimentary IndiGo air ticket voucher worth ₹3,000 on activation
✦ Discounted airport lounge access and priority baggage assistance

Joining Fee: ₹1,500 + GST Credit Limit: Up to ₹7.5 Lakhs

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Virtual Instant UPI

IDFC FIRST Digital RuPay Credit Card

✦ 100% digital virtual card issued instantly in under 3 minutes
✦ Link seamlessly to BHIM, Google Pay, PhonePe, Paytm for UPI payments
✦ Up to 3x reward points on UPI transactions with zero physical card hassle
✦ Zero annual fee, lifetime free with dynamic in-app security controls

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹2 Lakhs

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UPI Cashback & Movies

IDFC FIRST EA₹N Credit Card (RuPay UPI)

✦ Up to 1% assured cashback on all merchant UPI scan & pay transactions
✦ 25% off on movie tickets up to ₹100 once a month on Paytm
✦ ₹250 cashback on first UPI transaction completed within 30 days
✦ Backed by Fixed Deposit with zero annual charges and interest on FD

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹3 Lakhs

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Digital UPI & Cashback

IDFC FIRST Quantum+ Credit Card

✦ Instant virtual credit card issuance for seamless RuPay UPI payments
✦ Up to 2% cashback on online shopping and everyday UPI QR transactions
✦ Zero annual fee for lifetime with instant paperless digital video KYC
✦ Exclusive partner brand discounts on leading e-commerce platforms

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹5 Lakhs

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Insurance & Lifetime Free

IDFC FIRST LIC Classic Credit Card

✦ Accelerated reward points on LIC insurance premium payments
✦ Lifetime Free credit card with no joining or renewal charges
✦ Complimentary personal accident cover & lost card liability protection
✦ Fuel surcharge waiver of 1% at all petrol stations across India

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹5 Lakhs

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Insurance & Lifetime Free

IDFC FIRST LIC Select Credit Card

✦ Accelerated reward points on all LIC insurance premium payments
✦ 2 complimentary domestic airport lounge visits per calendar quarter
✦ BOGO movie tickets on Paytm & zero fuel surcharge across all pumps
✦ ₹50 Lakhs personal accident insurance coverage for policyholders

Annual Fee: ₹0 (Lifetime Free) Credit Limit: Up to ₹7.5 Lakhs

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MSME & Business Finance

IDFC FIRST Business Credit Card (SME)

✦ 3X reward points on all business UPI and vendor payments
✦ 2 complimentary domestic airport lounge visits per calendar quarter
✦ 48-day interest-free period for seamless working capital liquidity
✦ Comprehensive travel insurance, lost card liability & roadside assistance

Annual Fee: ₹499 (Waived on ₹1L) Credit Limit: Up to ₹10 Lakhs

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SME Cloud & Ad Spends

IDFC FIRST Business Max Credit Card

✦ 10X reward points on digital advertising, AWS/Google Cloud & software subscriptions
✦ 4 complimentary domestic airport lounge visits per calendar year
✦ Commercial expense management portal with employee sub-card allocation
✦ Flat 1.99% low Forex markup on cross-border SaaS tooling & global ad platforms

Annual Fee: ₹1,499 (Waived on ₹3L) Credit Limit: Up to ₹15 Lakhs

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Vendor & Tax Multiplier

IDFC FIRST Business Multiplier Credit Card

✦ 5X reward points on advance tax, GST payments & high-volume vendor procurement
✦ Seamless interest-free revolving credit period up to 48 days
✦ Auto-integrated Tally, Zoho & SAP invoice upload for direct reconciliation
✦ Complimentary personal accident cover of ₹10 Lakhs & lost card liability shield

Annual Fee: ₹999 (Waived on ₹2L) Credit Limit: Up to ₹12 Lakhs

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Micro-Business & Khata

IDFC FIRST Micro Enterprise Credit Card

✦ Tailored for traders, shopkeepers & micro-enterprises with minimal documentation
✦ 2X reward points on all wholesale raw material purchases & local distributor payments
✦ Daily micro-repayment facility via UPI QR to maintain flawless cashflow
✦ Optional FD-backed security option for newly incorporated enterprises

Annual Fee: ₹299 + GST Credit Limit: Up to ₹5 Lakhs

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Corporate Procurement

IDFC FIRST Corporate Credit Card

✦ Automated GST invoice reconciliation and customized spend controls
✦ Consolidated corporate statements with ERP & accounting software integration
✦ Comprehensive travel insurance & airport lounge access for corporate travelers
✦ Dedicated relationship manager and 50-day flexible credit line for enterprises

Annual Fee: Custom Corporate Plan Credit Limit: Up to ₹25 Lakhs

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Enterprise Supply Chain

IDFC FIRST Purchase Credit Card

✦ Closed-loop B2B purchasing card designed for supply chain procurement
✦ Extended payment cycles up to 55 days to optimize enterprise working capital
✦ Multi-tiered corporate approval hierarchies with automated spend limits
✦ Detailed level-3 transactional data capture for audit compliance & tax filing

Annual Fee: Custom Enterprise Plan Credit Limit: Up to ₹50 Lakhs

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🏠

Home Loan Digital Sourcing — Launching Soon

We are currently integrating digital home loan journeys with top housing finance partners including HDFC Bank, LIC HFL, and PNB Housing. Personal Loans, Business Loans, and Credit Cards are currently active with instant WhatsApp DIY sanctions!

📊 Loan Amortization Schedule & Repayment Plan

Complete month-by-month diminishing balance schedule, calendar dates, principal vs. interest breakdown, and prepayment simulator.

Principal Amount

₹5,00,000

84.2% of Total Repaid

Monthly EMI

₹16,488

At 11.5% p.a. Reducing

Total Interest Payable

₹93,569

15.8% of Total Repaid

Total Amount Payable

₹5,93,569

36 Installments

Annual Percentage Rate (APR)

12.03% p.a.

All-Inclusive Cost of Credit

Net Disbursed Amount

₹4,91,150

Less ₹8,850 upfront (Fee + GST)

Loan Completion Date

Sep 2029

In 3 Years (36 Months)

Interest-to-Principal Ratio

18.7%

₹0.19 per ₹1 borrowed

Payment Breakup (Principal vs Interest)

Principal Loan Amount

₹5,00,000 (84.2%)

Total Interest Charges

₹93,569 (15.8%)

Repayment Configuration

First EMI Date

Principal: 84.2% Interest: 15.8%

⚡ Repayment Scenario & Part-Payment Planner Save Interest & Accelerate Payoff

💡 Click any year row to expand or collapse individual monthly payments.

Payment Date / Period	Opening Principal	Regular EMI	Principal Paid	Interest Paid	Prepayment	Total Payment	Cumulative Principal	Cumulative Interest	Outstanding Balance	% Repaid
▶ Year 1 (Oct 2026 – Sep 2027)	₹5,00,000	₹1,97,856	₹1,47,996	₹49,860	—	₹1,97,856	₹1,47,996	₹49,860	₹3,52,004	29.6%
• Month 1: Oct 2026	₹5,00,000	₹16,488	₹11,696	₹4,792	—	₹16,488	₹11,696	₹4,792	₹4,88,304	2.3%
• Month 2: Nov 2026	₹4,88,304	₹16,488	₹11,808	₹4,680	—	₹16,488	₹23,504	₹9,472	₹4,76,496	4.7%
• Month 3: Dec 2026	₹4,76,496	₹16,488	₹11,922	₹4,566	—	₹16,488	₹35,426	₹14,038	₹4,64,574	7.1%
• Month 4: Jan 2027	₹4,64,574	₹16,488	₹12,036	₹4,452	—	₹16,488	₹47,462	₹18,490	₹4,52,538	9.5%
• Month 5: Feb 2027	₹4,52,538	₹16,488	₹12,151	₹4,337	—	₹16,488	₹59,613	₹22,827	₹4,40,387	11.9%
• Month 6: Mar 2027	₹4,40,387	₹16,488	₹12,268	₹4,220	—	₹16,488	₹71,881	₹27,047	₹4,28,119	14.4%
• Month 7: Apr 2027	₹4,28,119	₹16,488	₹12,385	₹4,103	—	₹16,488	₹84,266	₹31,150	₹4,15,734	16.9%
• Month 8: May 2027	₹4,15,734	₹16,488	₹12,504	₹3,984	—	₹16,488	₹96,770	₹35,134	₹4,03,230	19.4%
• Month 9: Jun 2027	₹4,03,230	₹16,488	₹12,624	₹3,864	—	₹16,488	₹1,09,394	₹38,998	₹3,90,606	21.9%
• Month 10: Jul 2027	₹3,90,606	₹16,488	₹12,745	₹3,743	—	₹16,488	₹1,22,139	₹42,741	₹3,77,861	24.4%
• Month 11: Aug 2027	₹3,77,861	₹16,488	₹12,867	₹3,621	—	₹16,488	₹1,35,006	₹46,362	₹3,64,994	27.0%
• Month 12: Sep 2027	₹3,64,994	₹16,488	₹12,990	₹3,498	—	₹16,488	₹1,47,996	₹49,860	₹3,52,004	29.6%
▶ Year 2 (Oct 2027 – Sep 2028)	₹3,52,004	₹1,97,856	₹1,65,940	₹31,916	—	₹1,97,856	₹3,13,936	₹81,776	₹1,86,064	62.8%
• Month 13: Oct 2027	₹3,52,004	₹16,488	₹13,115	₹3,373	—	₹16,488	₹1,61,111	₹53,233	₹3,38,889	32.2%
• Month 14: Nov 2027	₹3,38,889	₹16,488	₹13,240	₹3,248	—	₹16,488	₹1,74,351	₹56,481	₹3,25,649	34.9%
• Month 15: Dec 2027	₹3,25,649	₹16,488	₹13,367	₹3,121	—	₹16,488	₹1,87,718	₹59,602	₹3,12,282	37.5%
• Month 16: Jan 2028	₹3,12,282	₹16,488	₹13,495	₹2,993	—	₹16,488	₹2,01,213	₹62,595	₹2,98,787	40.2%
• Month 17: Feb 2028	₹2,98,787	₹16,488	₹13,625	₹2,863	—	₹16,488	₹2,14,838	₹65,458	₹2,85,162	43.0%
• Month 18: Mar 2028	₹2,85,162	₹16,488	₹13,755	₹2,733	—	₹16,488	₹2,28,593	₹68,191	₹2,71,407	45.7%
• Month 19: Apr 2028	₹2,71,407	₹16,488	₹13,887	₹2,601	—	₹16,488	₹2,42,480	₹70,792	₹2,57,520	48.5%
• Month 20: May 2028	₹2,57,520	₹16,488	₹14,020	₹2,468	—	₹16,488	₹2,56,500	₹73,260	₹2,43,500	51.3%
• Month 21: Jun 2028	₹2,43,500	₹16,488	₹14,154	₹2,334	—	₹16,488	₹2,70,654	₹75,594	₹2,29,346	54.1%
• Month 22: Jul 2028	₹2,29,346	₹16,488	₹14,290	₹2,198	—	₹16,488	₹2,84,944	₹77,792	₹2,15,056	57.0%
• Month 23: Aug 2028	₹2,15,056	₹16,488	₹14,427	₹2,061	—	₹16,488	₹2,99,371	₹79,853	₹2,00,629	59.9%
• Month 24: Sep 2028	₹2,00,629	₹16,488	₹14,565	₹1,923	—	₹16,488	₹3,13,936	₹81,776	₹1,86,064	62.8%
▶ Year 3 (Oct 2028 – Sep 2029)	₹1,86,064	₹1,97,856	₹1,86,064	₹11,793	—	₹1,97,857	₹5,00,000	₹93,569	₹0	100.0%
• Month 25: Oct 2028	₹1,86,064	₹16,488	₹14,705	₹1,783	—	₹16,488	₹3,28,641	₹83,559	₹1,71,359	65.7%
• Month 26: Nov 2028	₹1,71,359	₹16,488	₹14,846	₹1,642	—	₹16,488	₹3,43,487	₹85,201	₹1,56,513	68.7%
• Month 27: Dec 2028	₹1,56,513	₹16,488	₹14,988	₹1,500	—	₹16,488	₹3,58,475	₹86,701	₹1,41,525	71.7%
• Month 28: Jan 2029	₹1,41,525	₹16,488	₹15,132	₹1,356	—	₹16,488	₹3,73,607	₹88,057	₹1,26,393	74.7%
• Month 29: Feb 2029	₹1,26,393	₹16,488	₹15,277	₹1,211	—	₹16,488	₹3,88,884	₹89,268	₹1,11,116	77.8%
• Month 30: Mar 2029	₹1,11,116	₹16,488	₹15,423	₹1,065	—	₹16,488	₹4,04,307	₹90,333	₹95,693	80.9%
• Month 31: Apr 2029	₹95,693	₹16,488	₹15,571	₹917	—	₹16,488	₹4,19,878	₹91,250	₹80,122	84.0%
• Month 32: May 2029	₹80,122	₹16,488	₹15,720	₹768	—	₹16,488	₹4,35,598	₹92,018	₹64,402	87.1%
• Month 33: Jun 2029	₹64,402	₹16,488	₹15,871	₹617	—	₹16,488	₹4,51,469	₹92,635	₹48,531	90.3%
• Month 34: Jul 2029	₹48,531	₹16,488	₹16,023	₹465	—	₹16,488	₹4,67,492	₹93,100	₹32,508	93.5%
• Month 35: Aug 2029	₹32,508	₹16,488	₹16,176	₹312	—	₹16,488	₹4,83,668	₹93,412	₹16,332	96.7%
• Month 36: Sep 2029	₹16,332	₹16,488	₹16,332	₹157	—	₹16,489	₹5,00,000	₹93,569	₹0	100.0%
Total Repayment Summary	—	₹5,93,568	₹5,00,000	₹93,569	₹0	₹5,93,569	₹5,00,000	₹93,569	₹0	100%

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