SarvaGram 1.2.1

The SarvaGram App, developed by Sarvagram Solutions Private Limited, serves as an online platform for managing instant personal loans. This application targets the mid-income demographic, providing a streamlined financial ecosystem that aims to facilitate lifestyle upgrades through accessible lending solutions. The loan application process is entirely digital and is designed to be completed within minutes.

The SarvaGram App offers a reliable financial resource, particularly effective for addressing unexpected expenses. Users benefit from a user-friendly interface that simplifies the process of accessing funds at critical moments. The application ensures a quick response time, allowing users to manage urgent financial needs with minimal hassle.

Key Features:

• Personal loans ranging from ₹ 5,000 to ₹ 30,000
• Interest rates from 18% to 32% per annum
• Repayment tenure between 3 to 6 months
• Maximum Annual Percentage Rate (APR) of up to 40% per annum
• Quick loans with flexible EMI options
• Instant transfer of funds to bank accounts

Example of Personal Loan Calculation:

• Loan Amount: ₹ 30,000
• Tenure: 6 months
• Rate of Interest: 28% p.a.
• Processing Fee (2% of loan amount): ₹ 600
• GST on Processing Fees: ₹ 108
• Amount Disbursed: ₹ 29,292
• Annual Percentage Rate (APR): 36.60%
• Your EMI: ₹ 5,416
• Total Repayment Amount: ₹ 32,680

Note:

1. The figures provided are for illustrative purposes only; final interest rates and APRs are subject to credit assessment.
2. The repayment tenure exceeds 60 days for all loan applications.

Eligibility Criteria for Personal Loans:

• Must be an Indian National
• Aged above 21 years
• Have a steady monthly income

Steps to Apply for a Personal Loan:

1. Install the SarvaGram App.
2. Log in using your mobile number.
3. Provide your PAN number and check your eligibility.
4. Upload KYC documents and verify your profile.
5. Select your desired loan amount and tenure.
6. Enter your bank account details.
7. Request the money transfer, which will occur swiftly.

Lending Partnerships:

The SarvaGram App collaborates with RBI-registered non-banking financial companies (NBFCs), specifically Sarvagram Fincare Private Limited (website link).

Data Access and Use:

• Your approximate location may be accessed to determine an appropriate loan amount based on your area.
• The app requires camera access to facilitate the KYC process.
• Simplified SMS verification is utilized for registration purposes.
• Additional data may be collected to enhance loan offerings.

The collection and usage of information align with the privacy policy available on our website.

Contact Information:

Sarvagram Solutions Private Limited
Address: Office No. 23 & 24, 4th Floor, Primrose Mall, Baner Road, Baner Gaon Haveli, Pune 411045, Maharashtra
Email: [email protected]
Telephone: +91 81017 77555