Regulatory Disclaimer: Aapka Credit is a technology-led digital lending platform owned and operated by Prism Cosmic Private Limited. Aapka Credit partners exclusively with RBI-registered NBFCs and scheduled commercial banks to sanction and disburse loans. Aapka Credit does not directly engage in unlicensed money lending activities. All interest rates, loan approvals, processing charges, and repayment terms are determined as per credit appraisal algorithms and guidelines laid down by the Reserve Bank of India (RBI).
Annual Percentage Rate (APR) Disclosure: APR for personal loans ranges between 10.49% to 28.00% depending on borrower risk category, tenure, and credit assessment. Loan tenures range from a minimum of 3 months to a maximum of 60 months. Representative calculation: For a sanction of ₹1,00,000 for 12 months at 12% APR, monthly EMI will be ₹8,885, total interest payable will be ₹6,619, and total repayment will be ₹1,06,619.
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