TFS

Thoshika Financial Services Private Limited

Mayelana nalolu hlelo lokusebenza

I-TFS inguzakwethu omethembayo ukuze uthole imali mboleko e-India. Siyi-Direct Selling Associate (DSA)/i-aggregator yemalimboleko eyenza kube lula inqubo yokufaka isicelo semalimboleko ngokukuxhumanisa namabhange aphambili kanye nama-NBFC. Uhlelo lwethu lokusebenza likuvumela ukuthi uthumele kalula uphenyo ngemikhiqizo ehlukahlukene yemalimboleko. Ithimba lethu lochwepheshe lizobe selikuthinta ukuze liqonde izidingo zakho, likusize ngemibhalo, futhi likuqondise ekutholeni iminikelo ephuma phambili yemalimboleko evela kozakwethu abahlonishwayo bezezimali.

**Silungiselela izinhlobo ezilandelayo zemalimboleko:**
* Imalimboleko Yasekhaya
* Izikweletu Zebhizinisi
* Imalimboleko yomuntu siqu
* Loan Against Property

**Ozakwethu Ababolekayo:**
Siyaziqhenya ngokubambisana nalesi sikhungo sezezimali esinedumela elihle le-RBI:
* IDFC FIRST Bank Limited (Ibhange): https://www.idfcfirstbank.com/
Isivumelwano singatholakala lapha: https://tfsfinserv.com/Agreement-IDFC.pdf

Ukukhulunywa Kwewebhusayithi Esemthethweni kungatholakala lapha: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/ACTIVE-VENDOR-LIST.pdf
[Sesha iThoshika Financial Services]
Idokhumenti isingathwe kuwebhusayithi esemthethweni ye-IDFC First Bank.

Ukuqinisekiswa Kobambiswano: Sifakwe ohlwini njengozakwethu abasemthethweni kuwebhusayithi ye-IDFC FIRST Bank. Ukuze senze ukuqinisekiswa kube lula kubasebenzisi bethu kanye naseqenjini lababuyekezi be-Google Play, sihlanganise ubufakazi bamadokhumenti kuwebhusayithi yethu esemthethweni.
Sicela uvakashele ikhasi lethu lozakwethu ukuze ubuke ukuqinisekiswa okusemthethweni:
https://tfsfinserv.com/lending-partners.html

**Ulwazi Olubalulekile Lwemalimboleko:**

Sicela uqaphele: I-TFS AKUYONA umbolekisi. Singuzakwethu wesiteshi semalimboleko (ukuxhuma amakhasimende emabhange ngokunikeza isiqondiso). Imigomo yokugcina yemalimboleko, ehlanganisa izilinganiso zenzalo, izinkokhelo, nesikhathi sokukhokha, inqunywa ibhange elifanele noma uzakwethu we-NBFC ngokusekelwe ekufanelekeni kwakho kwesikweletu nezinqubomgomo zabo. Ulwazi olulandelayo luyinkomba futhi luhlanganisa ububanzi obujwayelekile obunikezwa ozakwethu:

* **Isikhathi Esincane Nesikhulu Sokukhokha:**
* Imalimboleko yomuntu siqu: Imvamisa ukusuka ezinyangeni eziyi-12 (unyaka ongu-1) kuye ezinyangeni ezingama-60 (iminyaka emi-5).
* Imali Ebolekiwe Yasekhaya kanye Nemali Ebolekiwe Ngokumelene Nempahla: Imvamisa isuka ezinyangeni eziyi-12 (unyaka ongu-1) ifike ezinyangeni ezingama-360 (iminyaka engama-30).
* **Isilinganiso Sephesenti Eliphezulu Lonyaka (APR):**
* I-APR yemalimboleko eqhutshwa ngenkundla yethu ingahluka kuye ngozakwethu obolekisayo, inani lemalimboleko, uhlobo lwemalimboleko, isikhathi sokuhlala, kanye nephrofayela yesikweletu yekhasimende.
* Ngemalimboleko Yomuntu Siqu, i-APR ngokuvamile isukela cishe ku-10.99% ukuya ku-35% (okuhlanganisa isilinganiso senzalo nezinkokhelo ezisebenzayo).
* Ngemalimboleko evikelekile efana Nemalimboleko Yasekhaya, i-APR ivamise ukuba ngaphansi.
* **Isibonelo Esimele Isamba Sezindleko Zemalimboleko:**
Ake sicabangele isibonelo sePersonal Loan eholwa ngomunye wozakwethu:
* Inani Lemalimboleko: ₹1,00,000
* Izinga Lenzalo (APR): 14% ngonyaka
* Isikhathi sokuhlala: izinyanga eziyi-12
* Inkokhelo Yokucubungula (engokomfanekiso, ingahluka ngokomboleki): 2% yenani lemalimboleko = ₹2,000 + GST ​​njengoba kusebenza
* Isamba Senzalo Ekhokhwayo: ₹7,801 (ibalwa ngendlela yokunciphisa ibhalansi)
* Isitolimende Esilinganisiwe Sanyanga Zonke (EMI): ₹9,002
* Isamba Semali Ekhokhwayo (Uthishanhloko + Isamba Senzalo + Inkokhelo Yokucubungula): ₹1,00,000 + ₹7,801 + ₹2,000 = ₹1,09,801 (ngaphandle kwe-GST yemali yokucubungula).

**Umshwana wokuzihlangula:** Lesi isibonelo esimele. Izinga lenzalo langempela, izinkokhelo zokucubungula, kanye ne-EMI kuzohluka ngokuya ngezinqubomgomo zozakwethu obolekisayo, inani lemalimboleko, isikhathi sokuqashwa, kanye nokuhlolwa kwesikweletu ngakunye kwekhasimende. Sikukhuthaza ukuthi uxoxe ngayo yonke imigomo nemibandela nebhange/i-NBFC efanele ngaphambi kokuthola noma iyiphi imali ebolekiwe.

* Izimalimboleko Zesikhathi Esifushane: ASINIKEZI noma sihlehlise imalimboleko yomuntu siqu edinga ukubuyiselwa ngokugcwele ezinsukwini ezingama-60 noma ngaphansi kusukela ngedethi ekhishwe ngayo imalimboleko. Zonke izikweletu ezenziwe ngenkundla yethu zinesikhathi esincane sokukhokha esingaphezu kwezinsuku ezingama-60.

Amasevisi ethu:
* Ukulethwa okulula kophenyo lwemalimboleko.
* Usizo lomuntu siqu oluvela kochwepheshe bethu bemalimboleko.
* Isiqondiso mayelana nemibhalo.
* Ukukuxhuma namabhange afanelekile kanye nama-NBFC.

Ubumfihlo:
Ubumfihlo bakho bubalulekile kithi. Sicela ubuyekeze Inqubomgomo yethu Yobumfihlo lapha: https://tfsfinserv.com/privacy.html

Yini entsha

** Release Notes – November 21, 2025 **
- Improved stability and consistency across app features