MyShubhLife

Datasigns Technologies

About this app

At MyShubhLife, we understand that running a business comes with big dreams and even bigger needs. Whether you are stocking up for a festive demand, upgrading equipment, expanding operations, or simply managing everyday cash flow, access to timely credit can make all the difference.
Get collateral-free credit with zero paperwork, transparent pricing, and instant approvals powered by our smart, data-driven underwriting.Choose daily or weekly repayments that match your cash flow and keep your business growing with ease.

Our Products
- Credit Line: Borrow when in need.
- EWI: Equated Weekly Installments.
- EDI: Equated Daily Installment.
- Term Loans: Simple monthly payments.

Why Myshubhlife
- Seamless Working Capital Loans on Your Favorite Platforms
- Credit That Grows With Your Business
- Tailored credit solutions that scale with your business cycles and revenue
patterns.
- Apply on your Business Platform, within Minutes
- Quick onboarding, vernacular support, and embedded journeys to get loans
faster.
- Secure, Trusted, Compliant
- No Hidden Fees, Ever

Available Across Leading Merchant Platforms
Apply directly on your trusted merchant platforms:
• PhonePe
• BharatPe
• Spice Money
• Paytm
• MobiKwik
• Flipkart
• Rapipay
• Meesho
• Airtel Payments Bank
• PayNearby
• Fino Payments Bank

Who can apply for a loan?
Businesses operating as retailers, merchants, and distributors across India who are in business with commercial or digital platforms offering non-lending financial or merchant services can apply for MSME loans with MyShubhLife through their respective business engagement platforms. Eligibility depends on meeting MyShubhLife's lending terms and conditions and the digital platform being partnered with MyShubhLife.

How to apply for a loan on the MyShubhLife app?

Access the loan application through MyShubhLife's partner platform. Upload your KYC documents and business proof. MyShubhLife will notify you of your loan approval status upon successful submission.

Who is eligible for an MSME loan?
Registered MSMEs in India with the required documentation and compliance with MyShubhLife's eligibility criteria can apply.


https://www.ugrocapital.com/lending-service-provider#digital-Lending-apps

Important Information on MSME Loans
Our Loan Products
1. Credit Lines
Short-term loans designed for daily working capital needs, with daily auto-debit repayments synced with your business inflows.

2. Short-Term Working Capital Loans (EDI/EWI)
90-day credit products with Equated Daily/Weekly Installments. Ideal for managing inventory restocking and short business cycles.

3.Working Capital Term Loans
Tenures of 3, 6, 9, or 12 months with structured repayment schedules. Perfect for slightly longer-term growth or seasonal expansion.

Repayment Period: 3 months (min.) to 36 months (max.)
Max. Annual Percentage Rate (APR): 48%

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
*Final loan amount, tenure, interest rate, and processing fee are customized based on your business profile, transaction data, and platform partner integration.

Contact Us: Mail: [e-mail]

Ratings and reviews

Hi everyone I'm Taken 85,000 thousand rupees Loan. Today Closed My Loan .I'm Happy With My subhloan app.Really I'm Very Satisfied Good Customer and Low intrest please advise to everyone one Take This in app loan .Good app.Safe app.100% Data safe I'm Hope I'm future Higher Loan.

Hello all. I have taken 22000 thousand rupees Loan and am still paying that seamlessly. This is a very good and low interest and I will advise everyone to use this app for loan.Good app.

Pathetic app. I have been trying to foreclose my loan since last 2 months and no help what so ever. No body receives call on their customer service number. Their watsapp team says to speak to customer service or write an email. When you write an email, all you get is that someone will get in touch with you and nobody does. I'm tired of sending emails. Their app and website has no option to foreclose, only apply for a loan. Also Incred has taken over them but we were not informed about it.

What’s new

Bug fix