Instant personal line of credit for salaried employees in India
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Instant online personal loans Hyderabad, India
Apply Now
  • About Us
    • Our Vision
    • Our Team
    • Digital Lending Apps (DLA)
  • Products
  • Media
  • Contact Us
The system is under SCHEDULED MAINTENANCE from Apr 03, 2022 15:00 hrs to Apr 04, 2022 10:00 hrs IST & may not be able to process transactions due to year-end closing & reconciliation.
The system is under SCHEDULED MAINTENANCE from Apr 03, 2022 15:00 hrs to Apr 04, 2022 10:00 hrs IST & may not be able to process transactions due to year-end closing & reconciliation.
The system is under SCHEDULED MAINTENANCE from Apr 03, 2022 15:00 hrs to Apr 04, 2022 10:00 hrs IST & may not be able to process transactions due to year-end closing & reconciliation.
The system is under SCHEDULED MAINTENANCE from Apr 03, 2022 15:00 hrs to Apr 04, 2022 10:00 hrs IST & may not be able to process transactions due to year-end closing & reconciliation.
VIVIFI India Finance Private Limited is a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI)*.
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Business World

Business World

College life is the first step towards adulthood. You are finally on our own, and learn to make decisions for yourself. What you learn here will significantly impact your first tryst with the professional world. Understanding and managing personal finance thus, is of utmost importance. Following few easy steps will help: Learn about student/education loans and stick to repayments on time; work out a budget (it's a great learning for future); start studying about insurances; begin to invest now; and in case of emergency, know how to opt for instant microloan apps.

Te Finance Express

Financial Express

The technology driven world we live in today, needless to say financial transactions too have shifted to digital platforms. While this makes money lending and availing loan a seamless process, digital is a scary place if you don't exercise caution. Hence, keep in mind what to avoid and what to entertain on the digital space. Choose a lending option wisely, after comparing interest rates, lending terms and repayment options, credibility of the lender; understand terms and conditions, repayment schedule and charges; maintain a good credit score. Beware of online fraudsters; avoid taking multiple loans at the same time; also remember in digital application, there is no need of physical contact; make sure to check pre-payment and pre-closure charges. Above all, be mindful so as to choose the best deal to suit your needs.

the story

Yourstory

As online transactions become more common, fintech companies operating in the lending space are introducing simple and seamless ways of making payments.Buy Now, Pay Later is one such aspirational product that supplements the ongoing consumerism boom among the Indian middle class. It aims at providing a digital credit card experience to the 400 million Indians who have been outside the structured financial system.The Buy Now Pay Later approach to making payments will offer the perfect, frictionless payment solution. The need of the hour, now, is for fintech players to educate consumers about the multidimensional benefits of Buy Now, Pay Later.

CNBC TV18

CNBC TV18

Most people hesitate from getting themselves a credit card, but when used smartly, it has more benefits than we may know of. If you are getting a credit card for the first time, you should not apply to every bank that advertises as card inquiry data is reflected in CIBIL and can adversely affect other borrowing needs. Instead, stick to banks with either good history of transactions or with salary accounts for better approval rates. Also, one must check for annual fee, interest rate, credit limit and rewards so as to choose the right one for yourself.

Rediff

Rediff

With the increasing number of digital lending apps, the shady ones have sneaked in too, leading to customer harassment and in some instances, even suicide. While identifying the identity of the digital lender is not easy, exercising caution is necessary. Be aware of 'too good to be true' offers by dubious players. If your loan agreement is not with an RBI-registered entity, it's a big red flag. Check for hidden charges and collection mechanisms, and also remember, if an app breaks the rules while giving you money, it will also break them while collecting. Moreover, be warned if any app is asking for access to more than the usual requirement.

Te Finance Express

Financial Express

With India becoming a digital economy, paving way for digital lending apps to find a significant space in our lives, there are fraudulent lending apps making best use of the opportunity in misusing customer data and indulging in illegal practices of collection, thereby threatening the digital revolution in lending. The responsibility thus falls on the borrowers to be vigilant and not fall prey to such illegal lending apps. A good research and check before downloading any lending app will go a long way in ensuring one's own safety. Look for legitimate lenders registered with the RBI or work with a bank or NBFC registered with RBI; do not let apps access to sensitive data; always read the terms and conditions and if at any point, you feel discomfort, do not feel obligated to continue the process.

Business Standard

Business Standard

With India becoming a digital economy, paving way for digital lending apps to find a significant space in our lives, there are fraudulent lending apps making best use of the opportunity in misusing customer data and indulging in illegal practices of collection, thereby threatening the digital revolution in lending. The responsibility thus falls on the borrowers to be vigilant and not fall prey to such illegal lending apps. A good research and check before downloading any lending app will go a long way in ensuring one's own safety. Look for legitimate lenders registered with the RBI or work with a bank or NBFC registered with RBI; do not let apps access to sensitive data; always read the terms and conditions and if at any point, you feel discomfort, do not feel obligated to continue the process.

Live Mint

Live Mint

With home loan interest rates at an all-time low, first time borrowers are a fortunate lot. However, there are key points to consider to get yourself the best deal. Maintain a good credit score to avail a home loan easily, but choose a repayment tenure that is in sync with your flow of income. Consider co-borrowing with your spouse as the lowest interest rates are reserved for women, and if you can, make a higher down payment which will lead to lower EMI and interest outgo. Also, since home loans do not attract any prepayment penalties, try to pay down towards the principal of your loans to reduce the term of the loan.

CNBC TV18

Nothing sells as instantly as 'instant' does, thereby flooding the market with instant loan apps. But if you are someone applying for loan, be wary of the fraudulent ones that will lure you by issuing loan in a jiffy, but once you default in payments, they will leave no stone unturned to harass you by resorting to illegal and abusive practices of recovery and collection. Therefore, it is the responsibility of the borrower to always verify the credentials of loan apps before downloading them. Additionally, find out the true cost of the loan and most importantly, exercise caution when an app asks for access to your sensitive data.

Business Standard

Inc42

The Covid-19 pandemic has hit the economy hard, more so on the lending sector. The lending start-ups thus have some crucial requirements from the Union Budget 2021, which they want the finance minister to address in order to bring in a regulatory framework that will do away with the existing disparities among big, midsize and small players in this space. Lending start-ups typically have unrated portfolios; so, there is no reduction in the actual borrowing costs. This can be corrected by curbing lazy banking. Parking funds with the RBI should be discouraged by adjusting the reverse repo rate suitably and relaxing the norms for getting foreign debt and equity.

Business2Business

Business2Business

With home loan interest rates at an all-time low, first time borrowers are a fortunate lot. However, there are key points to consider to get yourself the best deal. Maintain a good credit score to avail a home loan easily, but choose a repayment tenure that is in sync with your flow of income. Consider co-borrowing with your spouse as the lowest interest rates are reserved for women, and if you can, make a higher down payment which will lead to lower EMI and interest outgo. Also, since home loans do not attract any prepayment penalties, try to pay down towards the principal of your loans to reduce the term of the loan. Always compare your options before applying for a loan, and keep an eye on interest rates to make sure you get a good deal.

CNBC TV18

CNBC TV18

Credit card statement is your report card that allows you to keep a track of all your transactions, thereby helping to maintain a good credit score. Things to check in the credit card statement include transaction charges, processing fees as well as interest on unpaid amounts; credit limit availability, reward points that come with an expiry; new offers available on the credit card; and changes, if any, in the credit card agreement terms and conditions.

Eenadu

Eenadu

VIVIFI India Finance Private Limited is a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI)*

Corporate Governance

  • RBI Digital Lending Disclosures
    • Digital Lending Apps (DLA)
    • Lending Service Providers (LSP)
  • Complaints
  • Interest Rate Model Policy
  • Fair Practices Code
  • Consumer Awareness
  • Grievance Redressal Mechanism
  • Ombudsman Scheme
  • Terms & Conditions/Privacy Policies

Corporate Identity Number (CIN)

U65923TG2016PTC110767

(RBI)* Ceritificate of Registration (CoR)

N-09.00447

Click here to view certificate
Vivifi India Finance Pvt.Ltd

Corporate Office

Unit A, 9th Floor, MJR Magnifique, Survey No 75 & 76, Khajaguda X Roads, Raidurgam, Hyderabad, Telangana - 500008

+91-40-4617-5151
support@vivifin.com
*Disclaimer
  • Reserve Bank of India neither accepts any responsibility nor guarantees the present position as to the financial soundness of the company or for the correctness of any statements or representations made or opinions expressed by the company and for discharge of any liability by the company.
  • Neither there is any provision in law to keep, nor does the company keep any part of its deposits with the Reserve Bank of India and by issuing a Certificate of Registration to the company, the Reserve Bank of India, neither accepts any responsibility nor guarantees the payment of deposits to any depositor or any person who has lent any sum to the company.
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