• Personal Loan

    Interest

    Interest:

    We give loans to out customers thorugh a fixed rate loan. The products offered by us and the interest rate charged on different products are as follows:

    Tenure RoI
    3m – <6m Up to 28%
    6m – <36m Up to 33%
    36m – <48m Up to 32%
    48m -60m Up to 28%
    Schedule of Charges

    Processing Fees:

    We charge processing fee of up to 6% of the loan amount depending upon the tenure of the loan (plus applicable taxes). We do not charge any other fees/charges on processing of the loan. All fees and charges recovered are expressly stated in the loan documents.

    Tenure Processing Fee
    3m – <6m Up to 4.5%
    6m – <36m Up to 6%
    36m – <48m Up to 4%
    48m – 60m Up to 4%
    Loan Against Property Up to 3%

    Penal Charges:

    The late payment charges are as follows:

    One-time charges of Rs. 1500 + Applicable Taxes per EMI per instance of default and the same is payable apart from payment of applicable Daily Penal charges

    Daily Penal Charges for continuing default in repayment of EMI @ 0.2% + Applicable Taxes of the overdue principal amount

    Important Note:

    One-time charges & Daily Penal Charges will be applied if the EMI repayment is done after the scheduled due date or if otherwise applicable as per the terms of the Financing Document (collectively referred to as “Late Payment Charges”).

    Other Contingent charges:

    Foreclosure Charges

    If the loan is closed within cooling off period, then no foreclosure charges will be levied. If the loan is closed after cooling off period, then the borrower shall be levied foreclosure charges up to 7% + Applicable Taxes on the amount foreclosed/part pre-paid by the loan financier.

  • Loan Against Property

    • Interest

      We extend fixed-rate loans to customers. The interest rates for Loan Against Property Rate of Interest – Up to 28%

    • SCHEDULE OF CHARGES
      • Processing Fees: We charge processing fees of up to 3% of the loan amount depending on the tenure of the loan and the credit profile of the customer (plus applicable taxes). All the fees/charges on processing of the loan are expressly stated in loan documents.
      • Pre-payment and Foreclosure charges: Up to 7% on the amount prepaid (plus applicable taxes).
      • Application fees (Initial money deposit): Up to 3,000 Rs plus applicable taxes
      • Legal and Technical Charges – up to Rs. 4,000 + GST.
      • All fees and charges are explicitly stated in the loan documents.

At Si Creva, we care deeply about the safety and well-being of our customers. Our collection processes follow RBI guidelines and reflect our values of empathy and courtesy.

These are our 7 rules of Customer Care:

1. We do not contact customers via any private or personal 10-digit mobile number on WhatsApp or SMS.

2. We do not contact customers for payment collection reminders from personal mobile numbers, foreign numbers or Internet Based VOIP calls. Our team always calls you from registered landline numbers.

3. We never ask customers to make payments into personal or private bank accounts. Payments are only collected on our website or the app.

4. All our calls are monitored and recorded. Our agents never use threats or abusive language.

5. We never ask for commission or cutbacks on payments of dues.

6. Our App does not seek permission to access your Contacts List or any other private data.

7. We never call your friends or relatives for repayment of your loan as we do not store your personal information.

In case you have faced any of the above-mentioned situations, do this:

1. Report and Block the number. It could be fraudulent.

2. Write to care@kissht.com / care@paywithring.com OR call our customer care number on 02241434302 / 02068135496.

3. Share with us a screenshot or recording of the message or call.

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