LARKx

Lark Finserv

About this app

Introducing LARKx – Your Fast, Simple & Secure Way to Get a Loan Against Mutual Funds in Under 10 Minutes.

Access instant liquidity without selling your investments. With our flexible overdraft facility, you pay interest only on the amount you actually use, giving you complete control over your finances.

Lark Finserv is a digital lending platform built to make borrowing effortless. Through our app, you can seamlessly apply for loans offered by trusted NBFC partners, including DSP Finance Private Limited and Bajaj Finance Limited.

Whether you need quick funds or want to unlock the value of your securities, LARKx offers a smooth, transparent, and fast borrowing experience.

Key Features:

✅ Instant Loan Application
Apply for a Loan Against Mutual Funds with zero paperwork. Simply pledge your investments and access funds in minutes.

✅ Track Your Loan Effortlessly
Monitor your overdraft limit, outstanding amount, and all transactions in real time.

✅ Withdraw Anytime
Withdraw instantly from your available limit whenever you need funds.

✅ Flexible Interest & Principal Repayment
Pay monthly interest only on the utilized amount. Repay the principal anytime—no fixed EMIs.

✅ Manage Margin Shortfalls
Stay informed and handle margin shortfalls easily.

✅ Reliable Customer Support
Our team is available to assist you with loan and repayment queries.

Why Choose Lark Finserv?

🔹 Quick Approvals & No Lengthy Paperwork
🔹 Overdraft Convenience – Pay only for what you use
🔹 Secure & Transparent Platform
🔹 Flexible Repayments with No Fixed EMIs
🔹 Loans offered by DSP Finance Private Limited (https://dspfin.com/our-partners) and Bajaj Finance Limited (https://www.bajajfinserv.in/bajaj-finserv-partners)
🔹 Flexible Tenure Options ranging from 12 to 36 months

Maximum APR: 15%

Representative Example (Loan Against Mutual Funds):

- Loan Amount: ₹10,00,000
- Interest Rate: 10.5% p.a.
- Tenure: 12 months
- Repayment: Interest-only monthly servicing

If the entire ₹10,00,000 is utilized for 12 months:

- Annual Interest: ₹1,05,000
- Monthly Interest (Interest-Only EMI): ₹8,750
- Total Amount Payable: ₹11,05,000 (₹10,00,000 principal + ₹1,05,000 interest)

Actual interest and EMI vary based on utilization. Other charges (if any) will be shown in the sanction letter.

With LARKx, you retain ownership of your securities while enjoying instant liquidity and complete financial flexibility.

📲 Download LARKx now and take charge of your financial needs effortlessly.

Important Notes:

Lark Finserv Private Limited (“Lark”) operates LARKx solely as a digital facilitation platform.

Lark is not a bank, NBFC, or lender. The app only enables users to access loans offered by partnered financial institutions. All loan approvals, terms, interest rates, charges, disbursements, and recovery processes are determined exclusively by the respective lenders.

By using LARKx, you acknowledge that:

1. Lark does not underwrite, sanction, or disburse loans.
2. All financial obligations lie solely between you and the lending institution.
3. Lark’s role is limited to technology, data facilitation, and application support.
4. Lark does not guarantee loan approval, amounts, interest rates, or timelines.
5. All regulatory compliance (KYC, credit assessment, documentation, servicing) is handled by the lender as per RBI guidelines.
6. Lark does not charge interest; any applicable fees are communicated by the lending partner.

For more details, visit www.larkfinserv.com