Indel Money Limited has in recent years emerging as a leading non-banking financial company in south India. Indel Money introducing Mobile app for all the customers, and we welcome our valuable customers to use our app to fulfil their needs. Indel Money customers can do online transactions registering with their registered mobile number. The main features of this app are:- -View our various product & features. -View our Gold Loan schemes and its benefits, view active loans availed from Indel Money. -Online payment of Interest or part payment to your loans through E-payment gateway. -Customers can locate our branches through branch locator. -Quick payment facility to the existing loan account using QR code/loan account no displayed in the loan document. -Book appointment with Indel Money branch. Request to avail Door step Gold Loan (Metro cities) in 3 easy steps. Step 1. Download Indel Money mobile app > request for doorstep Gold Loan. Step 2. Get gold evaluation and KYC verification at Doorstep. Step 3. Get money instantly to your bank account. Gold Loan Product details: 1.Gold loan amount ranges from Rs.1000/- to 20 Lakhs for individuals and requires credit approval for additional exposure. 2.Gold Loan duration from 365 days to maximum 3 years. 3.Annual gold loan onboarding interest ranges from 12% to 24% (30%) 4.Processing fee will be varying depends on the gold loan scheme and it ranges from Rs.0/-Rs.150/- for Indel HNI Scheme the PF amount is Rs.1000/- 5.Minimum interest days will be varying depends on the scheme which ranges between 1 to 30 days. 6.Interest rate will be jumped to higher slabs if the periodical interests are not served on time. And the jumped interest rate will be applicable from loan sanction date in selected schemes. 7.Interest will be calculated for the actual number of days after the minimum interest period applicable in selected schemes. 8.Delayed interest will be charged post maturity date of the loan. Personal Loan 1.Personal Loan amount ranges from Rs.1000/- to 10 Lakhs for individuals and requires credit approval for additional exposure. 2.The personal loan facility will be sanctioned by the credit team after due verification of documents & conducting the PD. 3.Personal loan will be sanctioned to existing customers only. 4.Personal Loan duration from 180 days to maximum 3 years. 5.Annual onboarding interest ranges from 12% to 24% - (30%) 6.Processing fee will be varying depends on the personal loan scheme and it ranges from 0% to 1% 7.Interest will be calculated for the actual number of days. 8.Delayed interest will be charged post maturity date of the loan. 9.Foreclosure charges will be applicable and it ranges from 0% to 4% Example- Loan Amount: ₹1,00,000 Loan Tenure: 12 months Rate of Interest: 18% p.a. Processing Fee: ₹50 Total Interest: ₹18000 Amount Disbursed: ₹1,00,000 Total Loan Repayment Amount: ₹1,18,000 * Higher rate of interest applicable for monthly interest failed Loan Against property Target Segment - Only Business Class Customer Loan Amount - 2 Lakhs to 20 lakhs Loan Tenure - 36 to 84 months Pricing - Risk based (14% to 18 %) Assessment Method - ITR / RTR / Cash Flow Analysis Repayment - EMI Processing fee - 2 % + GST Max Geo Limit - 20 Kms radius from the Branch MSME - Business Loans Target Segment - Only Business Class Customer Loan Amount - 50K to 2 lakhs Loan Tenure - 6 to 24 months Pricing - Risk based (14% to 18 %) Assessment Method - ITR / RTR / Cash Flow Analysis Repayment - EMI Processing fee - 2 % + GST Max Geo Limit - 15 Kms radius from the Branch CD Loans ( Gold as collateral ) Schemes - INDEL CDMYG 90 , INDEL CDMYG 180 Onboarding ROI - 0 % Loan tenure - 90 to 180 days Interest Logic -If closed on or before maturity date – 0% If Closed after the maturity date – 30% from Loan Date. LTV - 75% or Price of the item which-ever is lower We welcome reviews and feedback of the mobile application to improve the customer service.