Eligibility Criteria for Zero Byaaz

To ensure a smooth and hassle-free loan approval process, applicants must meet the following requirements:

• Indian Citizenship: Applicants must be Indian citizens.
• Employment Status: Only salaried professionals are eligible.
• Minimum Salary Requirement: A monthly take-home salary of at least ₹30,000 is required.
• Salary Credit: Your salary must be regularly credited to a bank account.
• Age Criteria: Applicants should be between 25 and 55 years old.
• Loan Limit: You can avail a loan of up to 80% of your monthly salary.

If you meet these criteria, apply today and get the financial support you need—quick, easy, and hassle-free!

Required Documents for Loan Approval

To ensure a smooth and hassle-free loan application process, please provide the following KYC documents for verification:

• PAN Card – Mandatory for identity verification.
• Salary Slips – Last 3 months to assess income stability
• Bank Statements – Salary account statement for the past 3 to 6 months for financial assessment.
• Address Proof – Any government-approved document to verify your residential address.

Submit your documents today and get closer to quick loan approval!

Key Features of Zerobyaaz

• Personal Loans Up to ₹1,00,000 – Get financial support when you need it most.
• No Collateral Required – Cash loans are provided without any security cover.
• No Guarantor Needed – Apply for a loan independently, without a co-borrower.
• Loan Amount Up to 80% of Your Take-Home Salary – Borrow as per your financial capacity.
• Competitive Interest Rates – Interest rates up to 32% APR.
• Minimal Fees – Processing fees up to 10% of the loan amount.
• No Preclosure Charges – Pay as you use without additional preclosure costs.
• Flexible Repayment Tenure – Choose between 92 days to 1 year, based on your needs.

Fast approvals, easy disbursals—apply now and get the financial support you deserve!

Loan Terms and Disclosure

• Minimum Repayment Period: 12 months
• Maximum Repayment Period: 60 months
• Maximum Annual Percentage Rate (APR): 32% (including interest rate, processing fees, and other applicable charges)

Representative Example of Total Cost of Loan

• Loan Amount : Rs. 2,00,000
• Tenure: 36 months
• Interest Rate : 18% per annum (reducing balance)
• Processing Fee : 2% of loan amount (₹4,000)
• Total Interest Payable : Rs. 59,414
• Total Processing Fee (one-time) : Rs. 4,000
• Total Amount Payable (including principal, interest, and fees): Rs. 2,63,414
• Effective APR : 19.2%

Important Disclosures

• The above example is for illustrative purposes only. Actual rates and fees depend on the applicant's profile and NBFC policies.
• No hidden charges. Pre-closure charges (if any) will be disclosed during the loan agreement process.
• All loans are subject to eligibility, credit approval, and documentation.