Products

Sayyam Investments PVT LTD : LIVE Products

Personal Loan
Tenure 61 Days 90 Days 120 Days 180 Days
EMI Frequency 1st EMI - 30 Days
2nd EMI - 31 Days
1st EMI - 30 Days
2nd EMI - 31 Days
30 Days 30 Days 30 Days 30 Days 30 Days
ROI 21.90% 21.90% 35.04% 35.04%
PF % 17% 21% 17% 23% 4% 18% 18%
Up-Front 5% 5% 5% 5% 0% 6% 6%
1st EMI 6% 8% 4% 6% 1% 3% 2%
2nd EMI 6% 8% 4% 6% 1% 3% 2%
3rd EMI 4% 6% 1% 3% 2%
4th EMI 1% 3% 2%
5th EMI 2%
6th EMI 2%

Loan Overdue Classification & CIC Reporting

Status Overdue Period
Regular / Standard No overdue
SMA-0 Up to 30 days
SMA-1 More than 30 days and up to 60 days
SMA-2 More than 60 days and up to 90 days
NPA More than 90 days*
Written-Off More than 150 days
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Please note: If the loan remains overdue for more than 90 days, the applicable overdue/NPA status may be reported to the Credit Information Companies (CICs) as per applicable regulatory requirements. If the account remains unpaid and is subsequently written off after 150 days, the applicable write-off status may also be reported to the CICs. Such reporting may adversely impact your credit score and future creditworthiness and may affect your ability to obtain credit from other banks/NBFCs or financial institutions.