Need cash? NIRA offers quick, low-interest personal loans! Unlock easy access to low-interest loan from Loan app Key Features of the NIRA Loan App: 🌟 Instant Loan Amount: Borrow money swiftly, ranging from small online loans at Rs 5,000 to a maximum of Rs 1,50,000. 🌟 Processing Fees: Maximum of (Rs 350 + GST) or 2%-7% of the loan amount plus GST. 🌟 Flexible Repayment: Repay cash loan through the EMI loan app over 3 to 24 months. 🌟 Competitive APR: Enjoy competitive Annual Percentage Rates (APR) ranging from a minimum of 24% to a maximum of 36% (reducing balance). 🌟 Prepayment Flexibility: No prepayment fees within 7 days of disbursement with our online personal loan app; up to 4% prepayment fee applies after 7 days. 🌟 Late Payment Policy: No extra fees for up to 30 days of late payments with our loan repayment app; beyond 30 days, a nominal late fee of Rs. 500 may apply. A representative example of the total cost of the loan: ✔ Amount Borrowed (Principal) = ₹14,999/- ✔ Interest Rate (APR) = 36% (on Reducing Principal Balance interest calculation) ✔ Tenure = 6 months ✔ Processing Fee (incl. GST) = ₹826 ✔ Amount disbursed = ₹14,173 ✔ Your EMI amount = ₹2769 (based on PMT method, sample monthly payment) ✔ Interest amount = ₹2769 x 6 - ₹14999 = ₹1614(sample interest calculation) ✔ Late Fee = ₹0 if paid on time ✔ Total Cost of Loan = Processing Fee + Interest Amount + Late Fee = ₹826 + ₹1614= ₹2440 ✔ Principal repayment amount = ₹14,999/- (same as amount borrowed) ✔ Total repayment amount = Principal repayment amount + Interest Amount + Fee = ₹14,999 + ₹1614 + ₹0 = ₹16,613 Our Trusted Lending Partners: We collaborate with respected NBFCs such as: • Muthoot Finance Limited • IIFL Finance Limited • HDB Financial Services Limited • PayU Finance India Private Limited • Northern Arc Capital Limited • Komac Investments & Finance Private Limited • Trillionloans Fintech Private Limited • Avanti Finance Policies and Services: As proud members of the Digital Lenders Association of India (DLAI) https://www.dlai.in/members-listing/, we adhere to the DLAI code of conduct. http://bit.ly/DLAI_C How to Get an Instant Personal Loan from NIRA: 1. To apply for a loan online, you need to meet

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