Benefits:
- No Paperwork required
- No Bank visit required
- Collateral free loan for both salaried and self employed
- Affordable interest rate
Whom to sell?
- Age: 23-55 years
- Both Salaried and Self Employed
Minimum 20,000 per month salary or Turnover of ₹25 lakh per year
- Salary bank credit: Income Statement required for last 6 months
CIBIL Score >=680
Clbil Enquiries
- No 90+ DPDs in 12 months or 30+ DPDs in last 3 months
- 18 months bureau vintage/history of the customer
How it works?
1. Share your unique link with eligible customers in your network.
2. The customer needs to enter and verify their mobile number using OTP which should be linked to their Aadhaar and PAN
3. The customer needs to fill in basic details according to the PAN Card
4. Then they need to fill personal and professional details after which they will be shown the recommended. products as per their eligibility
5. Select Unity SFB (Small Finance Bank) Personal Loan and proceed to complete the application process.
6. If customer is not eligible for Unity SFB (Small Finance Bank) Personal Loan, they can choose any other product from the recommendations
7. After selecting Unity SFB (Small Finance Bank) Personal Loan, the customer will be redirected to the bank's web page for completing the application.
8. Mobile Verification: Signup using the same mobile number and leave referral code empty.
9. KYC Details: Enter PAN and Aadhaar number. PAN and Aadhaar should be linked with each other.
10. An OTP will be triggered to Aadhaar registered mobile number.
11. Basic Details: Fill personal details as shown on the page. Name, Date of birth etc will be automatically displayed.
12. Profile & Income Details: Fill required loan amount, occupation and employment details.
13. Eligibility Stage: Approved customers can avail any amount up to the approved limit or provide last 6 month's bank statement to get higher loan amount by clicking on "Enhance Amount".
14. More details required: For a few cases the system may ask for last 6-months bank statement by netbanking or uploading a PDF file.
15. Rejected: If a customer is not meeting the bank's policy, the case will be rejected.
16. Customer's bank account will be verified
17. Post Sanction: Video KYC link is shared on customer's mobile number.
17.1 Customer should keep Original PAN, White Paper and Pen with them for VKYC.
17.2 Ensure that there is no prompting while customer is performing VKYC else case will be rejected
18. After VKYC approval, customer will be required to esign the loan agreement and setup an eNach (Auto Payment)
19. Loan will be disbursed in their bank account within 24 hours.
Terms & Conditions
1. PAN and Aadhar should be linked
2. DOB on pan and Aadhar should match
3. Not available for New to credit customers or customers with less than 18 months credit history.
4. No loan/credit defaults, write-offs should be there
5. No delays in other loan/credit payments
6. Address should be complete, no short forms, with proper landmarks.
7. Name on all documents should be same
8. Payout will be received only after successful Loan disbursement.
9. Link for VKYC and bank statements will be shared on the customer's registered mobile number.
10. Partner should not accept any payment or give any incentive to the customer.
11. Partner should not make false promises, or provide wrong and misleading information to the customer.