GEMS Fund - Revolving Credit

GEMS COMMERCIAL COMPANY LIMITED

About this app

GEMS Fund – Access, Repay & Reuse with Flexibility

GEMS Fund provides a modern revolving line of credit that helps users manage everyday expenses, temporary cash needs, and planned purchases with greater flexibility.

With GEMS Fund, you can access a reusable credit limit and withdraw funds only when needed. Once repayments are completed, your available limit is restored automatically for future use.

Why Choose GEMS Fund?

- Flexible credit access anytime within your approved limit
- Pay interest only on the amount withdrawn
- Reusable credit line after repayment
- Transparent fee structure with no hidden charges
- Intelligent review system for faster processing
- Advanced encryption and secure account protection

Credit Information

- Credit Line Range: ₹1,000 – ₹4 lakh
- Repayment Tenure: 91 to 180 days
- Maximum APR: 15.6%
- Daily Interest Rate: Up to 0.04% per day
- Processing Fee: Transparent fee-free structure with no hidden charges

Example of Credit Usage

For a withdrawal of ₹20,000 with a 5-month repayment period
- Withdrawal Amount: ₹20,000
- Total Interest Payable: ₹1,282
- Total Amount Due: ₹21,282
Actual charges may vary depending on account eligibility and repayment duration.

How GEMS Fund Works

1. Register your account
2. Complete your profile and verification
3. Receive your available credit limit
4. Withdraw any amount within the approved limit
5. Repay and continue using the restored credit balance

Suitable For

- Daily financial management
- Emergency expenses
- Temporary cash flow needs
- Planned spending requirements

Eligibility

- Indian citizens aged 18 or above
- Valid identification documents
- Stable monthly income source

We're Here to Help

Contact us anytime:
Email: [e-mail]
Phone Number: 9464868101
Physical Address: 20/1, Maharshi Debendra Road 2Nd Floor, Kolkata, West Bengal, 700007