Kredtap

Kredtap is a digital platform (Lending Service Provider – LSP). All loans are sanctioned and disbursed solely by our RBI-registered NBFC partner, Salora Capital Limited (RBI Registration No: N-13.01855).

 Kredtap is a digital loan facilitation platform (LSP) and does not itself provide loans. All loans are sanctioned and disbursed solely by our RBI-registered NBFC partner, Salora Capital Limited. Our Lending Partner
 Salora Capital Limited
(https://saloracapital.com/) RBI Registration Number: N-13.01855 What We Offer (through Salora Capital Limited)

 ✅ Loan Amount: ₹5,000 – ₹50,000 (sanctioned by Salora Capital Limited, RBI-registered NBFC)
 ✅ Interest Rates: 12% – 32.5% per annum
 ✅ Loan Tenure: 3 – 60 months ✅ Processing Fee: Up to 10 % of the principal amount + GST
(Processing fees vary based on borrower profile, loan amount, and tenure) ✅ Quick & Direct Transfer: Funds disbursed by our NBFC partner directly to your bank account
 ✅ No Collateral Required: Get a loan without pledging any security
 ✅ Foreclosure & Part-Prepayment Available
 ✅ Maximum APR – 78 %
(APR includes applicable interest rates, processing fees, and other applicable charges) 
Eligibility Criteria

 ✔ Indian Citizen ✔ Minimum Age:18 years
 ✔ Minimum Monthly Personal Income: ₹20,000
 ✔ Monthly Household Income: ₹25,000+
 ✔ Valid Identity & Address Proof (Govt. Approved)
 ✔ Aadhaar-linked Mobile Number
 ✔ Salaried Employee with Permanent/Regular Status
 ✔ At least 2 Months Work Experience in Current Company (for Salaried Employees)

 Documents Required

 📜 PAN Card
 💰 Income Proof (Bank Statements Reflecting Monthly Income)

 Example of How a Loan Works (Illustrative)

 💡 Loan sanctioned by Salora Capital Limited: ₹2,00,000 for 3 years
 💰 Processing Fee: ₹8,260 (3.5% + GST + ₹500 Stamp Duty)
 📉 Interest Rate: 24% p.a. (on reducing principal balance)
 💳 EMI: ₹8,020 per month
 📊 Total Payable: ₹2,88,720
 📌 Total Interest Paid: ₹80,460
 📈 Annual Percentage Rate (APR): 30.15%

Fees & Charges (as applied by NBFC partner)

 💳 Foreclosure Charges: 4% of Principal Outstanding* + GST
 💰 Part-Prepayment Charges: 4% of Principal Prepaid* + GST
⚠ EMI Bounce Charge (1st Day): 4% of Principal Overdue* or ₹500 (whichever is lower)
 📌 Penal Charges (2-180 Days): 36% p.a. on Principal Overdue (+ GST if applicable)
 🔹 *Rounded to the nearest rupee

 How to Apply for a Personal Loan on Kredtap Personal Loan App

 1️⃣ Download the Kredtap Personal Loan App
 2️⃣ Sign up & Complete Your Profile
 3️⃣ Upload Required Documents (Bank Statement, etc.)
 4️⃣ Select Loan Amount & Tenure
 5️⃣ Receive Cash in Your Bank Account (disbursed directly by Salora Capital Limited)

 Our Policies

 Privacy Policy: https://Kredtap.com/privacy-policy

 Terms and Conditions: https://kredtap.com/terms/

 Privacy Policy of Salora Capital Limited (NBFC): https://saloracapital.com/privacy-policy Account Deletion: https://kredtap.com/account-deletion

 Application Requirements

 📱 Mobile Number
 📧 Email
 👤 Full Name
 📅 Date of Birth & Gender
 📇 PAN Card
 🏢 Employment Type & Company Name
 💵 Monthly Income
 🏠 Address Proof (Permanent & Current Address)
 📷 Selfie
 📄 Bank Statement & Employment Proof (Salary Slip / Office ID / UAN – for Salaried Employees)
 📞 Reference Contact
 🏦 Disbursement Bank Account Details
 🔄 eNACH / UPI e-Mandate

 Why Choose Kredtap?

 ✔ Fast & Easy Loan Application
 ✔ Completely Digital Process
 ✔ Quick Loan Approval
 ✔ Quick Loan Disbursal by our NBFC partner
 ✔ No Hidden Charges
 ✔ Partnered with RBI-Registered NBFC (Salora Capital Limited)

 📲 Download the Kredtap Personal Loan App Now & Apply Instantly! 🚀