BankingOnTips

STARDOM MEDIA ONLINE SERVICES

About this app

🌟 WHY CHOOSE BankingOnTips?
• 100% Digital: Easy online applications with minimal documents
• Personal Loan Matchmaker: Get tailored offers from trusted RBI-regulated lenders
• Exclusive Credit Card Deals: Choose from top cashback & reward cards
• Fast Approvals: Quick processing based on partner lender timelines
• Low & Transparent Interest Rates
• Flexible Tenures: 3 to 60 months (depends on partner lender)
• Easy EMI Options
• Secure Platform: PAN-based verification & encrypted login
• Earn Rewards: Get coins for actions and redeem for exciting benefits

💰 LOAN SERVICES OFFERED
Personal Loans
• Suitable for education, travel, home renovation, marriage & emergencies
• Compare offers instantly from multiple verified lenders
• Get competitive monthly interest rates
• No collateral required (unsecured loans)
Business Loans
• Working capital, expansion funding & digital growth financing
• Quick application with minimal documentation
• Offers from trusted NBFCs and financial institutions
Home Loans
• Compare home loan rates from leading banks
• Flexible repayment options up to 360 months
• EMI calculator for better financial planning

💳 CREDIT CARD OFFERS
• Best cashback, travel & rewards card options
• Zero annual fee and lifetime-free cards
• Welcome bonuses & exclusive partner privileges

📊 TRANSPARENT LOAN INFORMATION
Interest Rates (Representative Range)
Interest rates may vary between partner lenders:
1% to 3% per month (equivalent to APR of ~12% to 36%)
Actual APR depends on borrower profile, lender policies & state-level caps.
Repayment Tenure
• Minimum tenure: 3 months
• Maximum tenure: 60 months
(Home loans may go up to 360 months depending on partner banks)
Processing Fees
Processing fees are charged separately by partner lenders and may vary from:
1% – 5% of the loan amount + GST

🧾 REPRESENTATIVE PERSONAL LOAN EXAMPLE
(This is for illustration only. Actual offer depends on the lender.)
• Loan Amount: ₹1,50,000
• Interest Rate: 13% per annum
• Tenure: 12 months
• Processing Fee (2%): ₹3,000
• GST on Fee (18%): ₹540
• Monthly EMI: ₹13,398
• Total Interest Payable: ₹10,771
• Total Amount Payable: ₹1,60,771
• Representative APR: ~15.8%
• Maximum APR across partner lenders can go up to 36%

📌 ELIGIBILITY
• Age: 18 – 55 years
• Employment: Salaried, Self-employed, or Students
• Nationality: Indian citizen
• Basic KYC Required: PAN + Aadhaar
• Income proof may be required depending on the lender and loan type

📄 DOCUMENTS REQUIRED
Identity Proof – Aadhaar, PAN, Passport, Voter ID, Driver’s License
Address Proof – Aadhaar, Passport, Utility Bills, Voter ID
Income Proof – Bank statements, salary slips, ITR (if applicable)

🚀 HOW TO APPLY
1. Download BankingOnTips
2. Sign up using your mobile number (OTP verification)
3. Complete your profile
4. View personalized loan or credit card offers
5. Select a lender of your choice
6. Submit your application & track updates

🔒 SECURITY & PRIVACY
• PAN-based verification
• Encrypted & secure authentication
• Strict privacy policies
• We do not provide loans directly — we connect you with regulated partners

⚠️ DISCLAIMER
BankingOnTips is a loan and credit card aggregator platform. We are not a lender. All loans and credit products are issued by RBI-regulated banks and NBFC partners. Final loan approval, interest rate, APR, and tenure depend on partner lender policies and applicant assessment.

Our RBI-registered NBFC Partners:
Unifinz (Lendingplate) - https://lendingplate.com/policies, CIN: L17111DL1982PLC013790

Contact Us

For any queries, get in touch with us at [e-mail] or 9318475171