Currently AngelOne is offering Personal Loans via its lending partners ONLY for a select group of its existing users. We will gradually be rolling out the product to more users, stay tuned!

a. Loan Amount: up to 10 lac b. Repayment Tenure: 3-60 months c. Loan Processing Fee: 1-4% of loan amount (incl. GST) d. Max APR: 12-28% per annum e. Bounce charges: INR 400-500 (excl. GST) f. Penal charges: 18-36% per annum on the overdue amount

The ranking algorithm used by AngelOne is based on the following factors in order of priority: chance of approval, loan amount and rate of interest.

You must be an existing AngelOne Customer. You must have a regular source of income to avail a personal loan, whether you are a salaried individual, self-employed business person or a professional. Your eligibility might also be affected by your credit repayment history, and other factors as per our lender partner’s criteria. Please note that AngelOne is facilitating the loan as a service provider to its lending partners, the decision to approve a loan request lies with the lender.

Low EMI offers can typically result from a low interest rate, a long repayment term, or a combination of the two factors. Thus in some cases, you might end up paying a lot more to your lender as interest if you choose the lower EMI option. Instead use online tools like the personal loan EMI calculator to figure out your interest payout over the loan tenure and your repayment capacity before making your decision.

You can complete the application process via the AngelOne app and get the loan approval from our lender partners within 10 minutes. The usual time frame to complete the loan disbursal process may be under 1 hour, however in few cases it may take up to 48 hours (excluding Sat/Sun).

We regret to inform you that your application did not align with the requirements of our lender partners’ policy. We are unable to offer you a loan at this point in time.

Once your loan application is rejected by our Lender Partners, you will need to wait for at least 90 days to initiate the application process again.

NACH/eNACH Mandate is a repayment service that allows us to easily automate monthly recurring payments, for example, loan EMIs. Hence, your monthly EMIs will be automatically collected from your bank on the due date. This setup will help you pay your EMIs on time! PS: Making on-time payments helps increase your CIBIL score.

Interest rate along with applicable EMIs is shown to you during the loan application before availing the Loan.

Our lending partners charge for the loan only at a fixed interest rate. Your EMI amount remains fixed therefore every month during the loan tenure, you will pay the exact same amount as EMI.

APR represents the overall annual loan cost as a percentage, covering interest rate and additional charges like processing fees associated with the loan. It reveals the true borrowing expense, crucial for customers to comprehend their actual loan expenditure.

All the applicable charges are shown clearly in the Loan Agreement, Sanction Letter, and KFS (Key Fact Statement). Please read them carefully while accepting the loan terms and conditions in the application journey. Standard charges that are applicable are as follows: Processing Fee + GST Late Payment Fee - Only in cases of delayed EMI payments Bounce Charges - Only in cases of EMI installment auto-debit bounce from the linked Bank Account The actual Loan Amount will include the Net Amount received in your bank account + Processing Fee deduction and GST Invoice + Insurance Premium Amount (if opted in) will be sent to your preferred email ID.

We strongly urge customers to avoid missing their loan monthly installment payments. AngelOne lender partners, will remind you through multiple channels to make your installment payment immediately if you have missed. A legal recourse may also be taken. You will be charged additional interest for non-payment as per the Loan agreement, which will increase your Loan balance. Till you pay the additional balance, your loan will not be considered closed, and will lower your Credit Score. AngelOne lender partners may consider not to provide additional loan offers in future. Credit Score such as CIBIL, Experian will also be reduced, which will create difficulty for the banks to give you any future loans (even a 2-Wheeler or Home loan) to you in future.

In case due to inadvertent circumstances your EMI is not cleared from your bank account via the auto debit E-NACH mandate on the due date, you can visit the AngelOne app and pay it yourself through the Pay Now Section of the loan pass book itself using your net banking / debit card. Alternately the EMI mandate will be represented. You may foreclose the loan as per the terms and conditions of the Lender, through the Foreclose Now Section of the loan pass book in the AngelOne app >> Loans page itself using your net banking / debit card.

In case due to inadvertent circumstances your EMI is not cleared from your bank account via the auto debit E-NACH mandate on the due date, you can visit the AngelOne app and pay it yourself through the Pay Now Section of the loan pass book itself using your net banking / debit card. Alternately the EMI mandate will be represented. You may foreclose the loan as per the terms and conditions of the Lender, through the Foreclose Now Section of the loan pass book in the AngelOne app >> Loans page itself using your net banking / debit card.

Presently we do not have the feature of facilitating change of bank account used to set up the EMI mandate. We urge you to continue servicing your EMI through your Bank account that was used to set up at the time of Loan Disbursement.

Your eligibility for foreclosure varies depending on the lender partner. Please check your loan documents for details

Your eligibility for foreclosure varies depending on the lender partner. Please check your loan documents for details

Yes, foreclosure charges will be levied on you that vary depending on factors including the loan amount and tenure. The foreclosure charges tend to be higher if you choose to close your loan earlier

We’re sorry to inform you that we will not be able to change your repayment date once a loan is approved and disbursed.

A credit score is a number that reflects your creditworthiness and repayment capability. It helps lenders assess your repayment capability when considering loans.

AngelOne Limited (AOL) partners with various lenders to offer loan services to its customers. The lender that is approving the Personal Loan offer is shown on the Loan Offer screen, Loan Agreement as well as in the Loan documents clearly. The Credit Information companies such as CIBIL, Experian will also show the Personal Loan with the same lender name. You would have received the Loan Agreement T&C document, KFS and Sanction Letter on your registered email address post activation of your Personal Loan account. These documents mention the contact details of the lender fulfilling your Personal Loan. Alternatively, you can find the detailed contact information of our registered lenders below. Name: Kisetsu Saison Finance ( India ) Private Limited Phone: 1800-1038-961 Email: support@creditsaison-in.com Link to the website - Click Here Name: SMFG India Credit Co. Ltd. Phone: 1800 103 6001 Email: namaste@smfgindia.com Link to the website - Click Here Name: Aditya Birla Finance Limited Phone: 080 – 45860196 Email: grievance.finance@adityabirlacapital.com Link to the website - Click Here Name: IDFC FIRST Bank Phone: 1800 209 9771 Email: pno@idfcfirstbank.com Link to the website - Click Here Name: Axis Bank Phone: 08061865200 Email: nodal.officer@axisbank.com Link to the website - Click Here Name: KreditBee Phone: 080-44292555 / 080-68534555 Email: reachus@kbnbfc.in Link to the website - Click Here Name: Poonawalla Fincorp Phone: 020-67808090 / 020-67808090 Email: customercare@poonawallafincorp.com Link to the website - Click Here

If I have any complaints or concerns related to personal loan(s), what are AngelOne and its lending partners’ Grievances Redressal (Nodal) Officer Details? A. For grievances related to to your loan facility, you can reach out to the below mentioned nodal officer(s) at AngelOne: Name: Gable Fernandes Email id: lendingsupport@angelbroking.com Phone No: 8655731284 Toll Free No: 1800 1020 Designation: Nodal Grievance Redressal Officer Address:601 6th Floor, Ackruti Star, Central Road - MIDC, Andheri (E), Mumbai - 400 093 B. GRIEVANCE REDRESSAL MECHANISM OF OUR LENDING PARTNERS. 1. Kisetsu Saison Finance (India) Private Limited (Credit Saison India) Customers who wish to provide feedback or send in their complaint may use the following channels between 10:00 am and 6:00 pm, from Monday to Friday (except on national holidays). Call Customer Service Helpline of Credit Saison on 1800-1038-961. Email at: support@creditsaison-in.com Write to us at the below mentioned address: Kisetsu Saison Finance India Private Limited (Credit Saison), First Floor, IndiQube Lexington Tower: Lexington Towers, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029 In case the response received through the above channels are not satisfactory, the customer can approach the Complaints Redressal Officer. The name and contact details of the Complaint Redressal Officer are as follows: Name: Mr. Emaad Khan Phone number: +919962003070 Email Id: grievance@creditsaison-in.com, emaad.khan@creditsaison-in.com Grievance Redressal mechanism of Kisetsu Saison Finance India Private Limited (Credit Saison) 2. SMFG India Credit Co. Ltd. Customers who wish to provide feedback or send in their complaint may use the following channels between 9.00 a.m. and 7.00 p.m, from Monday to Saturday, excluding public holidays & fourth Saturday of every month. Call Customer Service Helpline of SMFG India on 1800 103 6001 Email at: namaste@smfgindia.com Write to us on any of the following addresses - SMFG India Credit Co. Ltd., Ground Floor, Embassy 247, Gandhi Nagar, LBS Marg, Vikhroli West, Mumbai-400083 In case the response received through the above channels are not satisfactory, the customer can approach the Complaints Redressal Officer. The name and contact details of the Complaint Redressal Officer are as follows: Name: Ritesh Saxena Email Id: GRO@smfgindia.com Number: 022-69581104 Designation: Grievance Redressal Officer Grievance Redressal mechanism of SMFG India Credit Co. Ltd. 3. Aditya Birla Capital Limited Any complaints related loan disbursement or post disbursement please find the details of the Nodal officer of our Lending partner Aditya Birla Finance Limited Name: Mr. Arijit Sen Designation: Grievance Redressal Office Email: grievance.finance@adityabirlacapital.com Number: 080 – 45860196 Grievance Redressal mechanism of Aditya Birla Capital Ltd. 4. IDFC FIRST Bank Customers who wish to provide feedback or send in their complaint may use the following channels between 10:00 am and 6:00 pm, from Monday to Friday (except on national holidays). Call Customer Service Helpline of IDFC FIRST Bank on 1800 209 9771 Email at: pno@idfcfirstbank.com Write to us at the below mentioned address: IDFC FIRST Bank Ltd. Building no. 09, 17th floor, Gigaplex Raheja Mindspace IT-5, Airoli, Navi Mumbai – 400708, Maharashtra. In case the response received through the above channels are not satisfactory, the customer can approach the Complaints Redressal Officer. The name and contact details of the Complaint Redressal Officer are as follows: Name: Mr. Vipul Raj (Principal Nodal Officer) Email Id: pno@idfcfirstbank.com Number: 1800 209 9771 Grievance Redressal mechanism of IDFC FIRST Bank:. 5. Axis Bank Personal loan customers can connect to the bank through calls, email, or by visiting a branch or loan centre. Axis Bank responds to customer complaints within a maximum timeline of 10 days. If you're dissatisfied with the response received from these channels, you can escalate the complaint to Level 2. Level 1 - Front End Channels Voice support: 1860-419-5555 or 1860-500-5555 Email support: https://application.axis.bank.in/WebForms/axis-support/index.aspx Branches or loan centres: To get branch or loan centre details, go to the "Locate Us" section at https://www.axis.bank.in/ Level 2 - Circle Nodal Officer or Nodal Officer at HO You can communicate with Nodal Officers of the bank if you're not satisfied with the solution provided at Level 1. The bank will reply within 10 days and if you're not satisfied by the response, you can escalate the matter to Level 3. You can send an email, write a letter, or call the Nodal Officer: Write Email Call Mr. Ashish Rajput Assistant Vice President, Axis Bank Limited, NPC1, 5th Floor, Gigaplex, Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai 400708 nodal.officer@axisbank.com Contact No.: 080 61865200 Level 3 - Principal Nodal Officer If you're still dissatisfied with the resolution provided at Level 2, you can connect with the bank’s Principal Nodal Officer via these channels. Write Email Call Ms. Deepti Radkar Executive Vice President, Axis Bank Limited, NPC1, 5th Floor, Gigaplex, Plot no 1.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai - 40070 PNO@axisbank.com Contact No.: 080 61865098 Timings: 9:30 AM–5:30 PM Monday to Saturday (except second and fourth Saturdays and bank holidays) 6. KrazyBee Services Private Limited Any complaints related loan disbursement or post disbursement please find the details of the Nodal officer of our Lending partner KreditBee Name: Mr. Sauraw Kumar Designation: Grievance Redressal Office Email: reachus@kbnbfc.in Number: 8044292555 / 8068534555 The GRO may be reached on the number provided above anytime between 10:00 to 19:00 from Monday to Saturday except public holidays or through the e-mail address above. The GRO shall endeavor to resolve the grievance within a period of fourteen (14) days from the date of receipt of a grievance. Grievance Redressal mechanism of KreditBee 7. Poonawalla Fincorp Any complaints related loan disbursement or post disbursement please find the details of the Nodal officer of our Lending partner Poonawalla Fincorp Name: Mr. Arnab Das Designation: Principal Nodal Officer Email: grievance@poonawallafincorp.com Number: 020-67808090 / 020-67808090 Grievance Redressal mechanism of Poonawalla Fincorp

Please do not fall for such scams or false luring offers. We don’t sell any loans on our own and do not charge any fee from any customers. We suggest all users never pay any upfront amount for any loan disbursal and if any person who call you as representative of Angel One and ask for any amount, kindly report the incident details immediately writing to us at lendingsupport@angelbroking.com