GS Finance : Personal Loan のアプリ分析 1月13日

GS Finance is a digital loan app offered by GS Leasing and Finance Private Limited, an RBI-registered Non-Banking Financial Company (NBFC) (RBI Registration No.: B-03.00124). The app provides personal loans with transparent charges, clear EMI schedules, secure digital KYC, and responsible lending practices. All loans are offered strictly subject to eligibility, verification, and internal credit assessment, in accordance with RBI guidelines and Google Play loan policies. 📌 Loan Details Loan Amount: ₹1,000 to ₹2,00,000 Repayment Tenure: 61 days to 365 days ✅ Processing Fee A one-time loan processing fee of 1% to 5% of the loan amount (plus applicable taxes) may be charged at the time of loan disbursement. The exact processing fee is clearly shown to the user in the app before loan confirmation. ✅ Late Payment Fees If an EMI is not paid on or before the due date, late payment fees may be applicable as per the loan agreement. Any such charges, along with applicable taxes, are transparently disclosed in the app. No hidden or compound charges are applied. Loan Type: Personal Loan Loan Disbursal : Directly by RBI-registered NBFC ✅ Key Features 100% online and paperless loan process Transparent loan terms, charges, and EMI schedules Secure digital KYC and identity verification eNACH / auto-debit facility for EMI payments In-app EMI schedule, repayment history, and loan status Ticket-based customer support and grievance redressal system 👤 Loan Eligibility Criteria Salaried and self-employed individuals can apply Age: 21 to 55 years Documents Required: Valid PAN and Aadhaar Active bank account with income proof required Loan approval depends on eligibility, credit score, and verification 📊 Representative Loan Example Loan Amount: ₹10,000 Repayment Tenure: 3 Months (91 Days) Interest Rate (APR): 18% to 36% per annum Charges Breakdown Processing Fee: ₹300 GST @18% on Processing Fee: ₹54 Total Processing Charges: ₹354 Disbursement Details Loan Amount: ₹10,000 Less: Processing Charges (including GST): ₹354 ➡ Net Disbursed Amount: ₹9,646 ✅ Repayment Details Total Interest (for 3 months): ₹404 Total Repayment Amount: ₹10,404 (Repayment through EMIs as per agreed schedule) ⏰ Loan Disbursement Timing Timing: 10:00 AM to 6:00 PM Days: Monday to Saturday (excluding bank holidays) Loans approved outside business hours are disbursed on the next working day 🔐 Payment SDK Usage Disclosure This app uses the PayU Payment Gateway SDK only for authorized EMI repayments related to active loans. Used only when the user initiates an EMI payment Not used for loan disbursement or background transactions No card, UPI, or banking credentials are stored by the app or the SDK All transactions are processed securely as per RBI guidelines and Google Play policies 🛡️ Payments & Security EMI repayments are processed only through authorized payment gateways User consent is required for every payment transaction The app does not access or store sensitive payment credentials 🔎 KYC & Data Privacy KYC is conducted using secure and authorized verification partners Personal data is collected only for loan processing, servicing, and regulatory compliance The app does not access contacts, photos, media files, call logs, or device storage 🎧 Customer Support & Grievance Redressal Contact Details Email: support@gsfinance.in Phone: 9244565757 Website: https://gsfinance.in ✅ Loan Disbursement , KYC, and recovery are handled directly by GS Leasing and Finance Private Limited in accordance with RBI guidelines. ✅GS Finance adheres to RBI’s Fair Practices Code, applicable Indian data protection laws, and Google Play’s personal loan app guidelines.