12月21日的BharatPe: UPI, Loan & Rewards应用程序分析

BharatPe (previously postpe) is your one-stop financial app designed to meet all your financial needs. From lightning-fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered. BharatPe UPI - Another UPI but the only UPI Made for Bharat: (Powered by Unity Small Finance Bank and Approved by NPCI) a) Instant Transfers: Send money to anyone via contact, UPI ID, or bank account. b) Scan & Pay: Conveniently scan and pay without any tap. c) UPI Autopay: Automate your bills, recharges, EMIs, and subscriptions effortlessly. d) Pinless Payments: Enjoy hassle-free UPI payments up to ₹500 with UPI Lite. e) BharatPe Shield: Stay protected with FREE FRAUD PROTECTION on all your transactions. (T&C Apply) f) Earn Rewards: Make every transaction rewarding with BharatPe UPI! Enjoy guaranteed Zillion Coins on every payment. (T&C Apply) Unity Bank BharatPe Co-Branded Credit Card: a) AutoEMI Conversion: Automatically split spends into easy monthly EMIs. b) Lifetime Free: No joining fees, no annual renewal charges ever. c) Uncapped Rewards: No limits, no thresholds, earn unlimited rewards on every spend. d) Free Lounge Access: Enjoy 2 free visits per quarter. BharatPe Bill Payments: a) Recharges: Pay all your bills easily for Mobile, DTH, Fastag. b) Utility Bills: Bill payments for electricity, water, LPG, piped gas, and broadband with ease. c) Credit Card Bills: Easily pay your credit card bills online. BharatPe Instant Cash Loan: a) High Amounts: Access instant cash loans up to ₹15 lakh. b) Flexible Repayment: Choose repayment options that suit your convenience. c) Document Free Loans: No collateral or guarantor required. d) Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, Poonawalla Fincorp and True Credits Private Limited. Repayment Terms: Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months. Annual Percentage Rate (APR): Ranges from 18%-70%. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs. Example of postpe cash: Amount chosen by user: ₹1,00,000 Tenure: 12 months Interest Rate: 18% per year (reducing) Processing fees: 2.5% Repayment Amount: ₹1,11,196 Total Interest Payable: ₹11,196 Processing Fees (incl. GST): ₹2,500 Monthly installment (EMI): ₹9,266.32 Total Cost of the Loan: ₹13,695 (Interest + Fees) APR: 24.8% Example of Bill to EMI conversion: Amount converted into EMI: ₹1,00,000 Tenure: 6 months Interest Rate (APR): 18% per year Repayment Amount: ₹1,09,000 Total Interest Payable: ₹9,000 Processing Fees: ₹0 EMI: ₹18,166.67 Total Cost of the Loan: ₹9,000 Permissions: As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding (send and receive SMS) from the user’s device to auto-populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy. About BharatPe (previously postpe): BharatPe is the brand name of the application launched by Resilient Innovations Private Limited. NBFC Partners: We have partnered with RBI-approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, Poonawalla Fincorp Limited and True Credits Private Limited (Truebalance) as DSA partners to offer loans. Contact Us: customer.support@bharatpe.com