MyShubhLife

Datasigns Technologies

About this app

MyShubhLife provides you extensive financial assistance through Personal Loans, Earned Wage Access, Bill Payments, SIPs, Insurance, E Gold & E Tax filing.

Our Products

1. Personal Loans
Loans for people with no credit score - MyShubhLife credit model assesses your credit-worthiness
Loans from Rs.3,000 to 2,00,000 - Loans as per your need and capacity to repay
Types of loans – Education loan, Medical loans, Home upgrades & Emergency cash

2. Insurance
MyShubhLife offers custom insurance products for our customers:
Personal Accident
Hospicash Insurance
Critical Illness Insurance
Super Top Up Insurance

3. Investments – Mutual Fund SIPs
Start SIPs online.Invest in the right mutual fund SIPs from as low as Rs.100/month and plan your future with Equity Mutual Funds.

Tax Saving Mutual Funds (ELSS)
Tax saving plans can help you save up to 45,000 tax/year with a lock-in period of only 3 years. Other tax-saving investments like PPF have a lock-in of 5-15 years.

4. Buy Gold
Buy E-Gold, starting from Rs.100 on MyShubhLife platform and sell anytime of your need.

5. Tax Filing
File Income Tax returns easily on MyShubhLife app. Simply select all the sources of your income and e-file them accurately

6. Bill Payments
You can pay utility bills (water, gas, electricity), recharge mobile, recharge Fastag, renew insurance, make repayments on Loan EMIs / credit cards and do a lot more with bill payments on MyShubhLife app

How to apply for a loan?
Apply for a personal loan in 3 easy steps
1. Complete your MyShubhLife app profile with PAN and Bank Statement
2. Generate your free MyShubhLife Credit Report
3. Apply for a loan on the app and get money directly into your account

MyShubhLife app connects borrowers with NBFCs/Banks. All loan applications are sanctioned & approved by NBFCs/Banks registered with RBI and their details are shown upfront during Loan application & in the Loan Agreements.

Our Lending Partners:
* Ekagrata Finance Private Limited - https://www.ekagratafinance.com/our-digital-partner.html
* InCred Financial Services Limited - https://www.incred.com/partnership.html
* UGRO Capital - https://ugrocapital.com/digital-lending-partners

Top 8 reasons why MyShubhLife is the best app for your loan requirements
* Loans from ₹3,000 to ₹2,00,000
* Single app for all your quick loan needs such as revenue generation, education, wedding and medical expenses
* Loans to salaried employees with monthly income from ₹12,000
* Get credit easily by using only a smartphone or a computer
* No paperwork
* Convenient repayment tenure from 3 months to 3 years
* Interest rate from 16% - 44% p.a. on reducing balance basis, depending on risk profile and loan tenure
* Processing fee between 0% to 3%, deducted upfront
* MyShubhLife app is available in Kannada, Tamil, Telugu, Marathi, Hindi and English

Important Information on Personal Loans
Repayment Period: 3 months (min.) to 36 months (max.)
Max. Annual Percentage Rate (APR): 60%

Representative Example of the total cost of the loan
This is an example to help our customers understand how EMI, interest and other costs are calculated. Actual amount, tenure, interest rate & processing fee will depend on the customer's risk profile.
Loan Amount = ₹1,00,000
Duration = 12 months
Interest rate = 26%
Monthly EMI = ₹9,553
EMI = [P x R x (1+R)^N]/[(1+R)^N-1], P Loan Amount, R interest rate & N duration.
Total Interest [(EMI x 12) – Loan Amount]: (₹9553 x 12) - (₹1,00,000) = ₹14,636
Other costs include Processing Fee (@2% + 18% GST): ₹1,00,000 x 2% = ₹2,000 + 18% GST = ₹2,360.
Total costs = ₹14,636 + ₹2,360 = ₹16,996
Total Repayment = ₹1,00,000 + ₹16,996 = ₹1,16,996

Contact Us: Mail: [e-mail]

Ratings and reviews

This is not Loan app. this is only Data collection app. This is fake app. Only data collection. 100% froud app. Time waste. Data like. Privacy lik. Froud App. Faltu and Bakwas. Bad experience

App is good.you'll get loan easily before other loan app.Really good one for this who needs the money even when they would have a minimum salary.

very easy process and the best app for loan who is in really need of loan guys don't wait or loan is needed please apply from myshubhlife

What’s new

we move our app from target apk 34 to 35.