PFIL: Personal Loan App

POOJA FINSTOCK INTERNATIONAL LIMITED

About this app

PFIL Finance – Personal Loan App (Up to ₹5,00,000)

PFIL Finance enables eligible salaried individuals, business owners, self-employed professionals, and students to apply for personal loans through a secure, paperless and fully digital process. Complete KYC online and receive loan disbursal directly in your bank account.

PFIL Finance is operated by Pooja Finstock International Limited, an RBI-registered NBFC established in 1996, providing responsible and transparent credit solutions across India.

NBFC Registration No.: B.01.00449 (Registered with Reserve Bank of India)

WHY CHOOSE PFIL FINANCE

✅ Personal loans up to ₹5,00,000
✅ 100% digital and paperless application process
✅ Same-day loan disbursal for eligible applications
✅ Direct lending by RBI-registered NBFC
✅ Transparent pricing with no hidden charges
✅ Track loan application and loan status in the app
✅ Secure data protection as per applicable Indian laws

LOAN PRODUCT DETAILS

Maximum Loan Amount: Up to ₹5,00,000
Loan Tenure: Minimum 91 days – Maximum 365 days
Annual Percentage Rate (APR): 18% – 28% per annum
Processing Fee: ₹100 – ₹2,000 + GST (deducted at disbursal)
Other Charges: Late payment charges may apply if EMI is missed, as disclosed in the loan agreement.

Actual loan eligibility, interest rate and tenure depend on the applicant’s credit profile and verification results.

REPRESENTATIVE LOAN EXAMPLE

Loan Amount: ₹10,000
Loan Tenure: 91 days
APR: 24% per annum
Processing Fee: ₹300

Interest Payable: ₹600
Total Repayment Amount: ₹10,600
Amount Disbursed to Borrower: ₹9,700

This example is provided for illustration purposes only. Actual loan terms may vary depending on eligibility and credit assessment.

ELIGIBILITY CRITERIA

✅ Applicant must be an Indian citizen
✅ Age between 18 and 55 years
✅ Salaried or self-employed with regular income
✅ Valid PAN and Aadhaar card
✅ Active bank account for loan disbursement

DOCUMENTS REQUIRED

• PAN Card
• Aadhaar Card linked with mobile number

DISBURSEMENT INFORMATION

• Loan applications approved outside normal processing time may be disbursed on the next working day
• No disbursement on Sundays or official bank holidays

CUSTOMER SUPPORT

Phone: [phone]
Working Hours: Monday – Saturday (9 AM to 6 PM)

Email: [e-mail]
Website: https://pfilfinance.com

LEGAL AND COMPLIANCE INFORMATION

• All lending, KYC, loan disbursement, and recovery are handled directly by Pooja Finstock International Limited, an RBI-registered NBFC
• PFIL Finance adheres to RBI’s Fair Practices Code, applicable Indian data protection laws, and Google Play personal loan app policies

All loan repayments are processed via Razorpay / Easebuzz / PayU UPI Payment Gateway SDK. No card or UPI credentials are stored within the application. The SDK is used only for authorized EMI repayments in compliance with RBI regulations and Google Play policies.