Review Time
Yeh screenshot ek typical loan scam ya illegal lending app ka lag raha hai, jo India mein bahut common ho gaya hai. Main details break down karke bata raha hoon:Charged/ Katne wala amount:Processing fee + GST → ₹2,006 (yeh directly deduct ho raha hai)
Approved loan amount: ₹17,000
Final disbursal (aapke account mein aane wala): ₹14,994 (17000 - 2006 = 14994)
Processing fee ke naam par ₹2,006 kat raha hai (including GST). Yeh almost 12% ke around processing fee ban raha hai (2006 / 17000 ≈ 11.8%), jo legitimate banks/NBFCs mein bahut zyada hota hai (usually 1-3% tak hi hota hai small loans pe).Total charges aur interest:Aapko 32 days baad repay karna hai: ₹22,610
Jo amount aapko milega: ₹14,994
Total wapas karna padega: ₹22,610
Isme extra pay karna pad raha hai: ₹22,610 - ₹14,994 = ₹7,616 (yeh interest + any hidden charges hai)
Effective taur pe, sirf 32 din ke liye ~₹7,616 extra charge — yeh 50%+ effective interest 1 mahine mein ban raha hai, jo annualized ~300-400% ke aaspaas hota hai. Yeh RBI ke rules se bahut zyada hai (legal personal loans mein max ~30-40% p.a. hota hai regulated lenders ke liye).Yeh scam kyun lag raha hai:Legitimate banks/NBFCs (jaise HDFC, Bajaj, Axis etc.) kabhi upfront processing fee nahi maangte bina loan disburse kiye, aur woh bhi itna high nahi hota.
Processing fee usually loan amount se deduct hoti hai, lekin sirf genuine approval ke baad, aur RBI-registered entity se.
Aise "instant approved" messages, high fee deduction, aur short-term mein itna high repayment → yeh illegal loan apps ya fake lending scams ka classic sign hai.
Bahut se cases mein log fee pay karte hain, phir loan nahi milta, ya milne ke baad harassment shuru ho jata hai (contacts, photos access karke blackmail).
Advice: Ispe "Continue" mat click karo, koi payment mat karo, aur app ya website se dur raho. Agar already koi details share kiye hain to bank account monitor karo aur cyber crime cell (1930 pe call ya cybercrime.gov.in pe report) ko inform kar do.Agar yeh kisi specific app ka hai to app ka naam batao to aur check kar sakta hoon. Safe raho!
When I applied for loan it's showed me rejected and try after 30 days, but I am getting back to back calls telling to do the payment and my account is Singapore bank account and amount is sent to that, when I asked for the proof with the customer support team thru started threating and telling I will call family members which is unfair when customer support team told do the adavance payment which is 4000 I will check with the team and give you the details. Till today I have never received any proof or anything. No proper English language support
When I applied for loan it's showed me rejected and try after 30 days, but I am getting back to back calls telling to do the payment and my account is Singapore bank account and amount is sent to that, when I asked for the proof with the customer support team thru started threating and telling I will call family members which is unfair when customer support team told do the adavance payment which is 4000 I will check with the team and give you the details. Till today I have never received any proof or anything. No proper English language support
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Ram Fincorp offers tension-free, easy, and instant personal loans right at your fingertips. Not only do we provide you with the fastest disbursal ever possible but also low-interest rates. The loan will be credited to your bank account through us, your trusted NBFC in around 30 minutes! We are a RBI registered NBFC committed to offering personal credits to salaried professionals. We stand for catering to your individual financing needs in an easy way by including innovation to the credit buying handle, in this manner giving you moment get to reserves in a straightforward and straightforward way. We provide loans that are available at affordable interest rates due to a minimal risk profileSee more
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