Loans (14)
EMI
EMI ka full form Equated Monthly Installment hai — yeh fixed monthly amount hai jo aap loan repayment ke liye lender ko ...
Read full →Credit-Information Score
Credit-Information Score ek 3-digit credit rating hai (range 300-900) jo Credit Information Company — government-authorized credit bureau — assign kar...
Read full →partner institution
partner institution ka full form Non-Banking Financial Company hai — yeh wo financial institutions hain jo banking-like loans aur finan...
Read full →CGTMSE
CGTMSE ka full form Credit Guarantee Fund Trust for Micro and Small Enterprises hai — yeh GoI aur SIDBI joint trust hai ...
Read full →KYC
KYC ka full form Know Your Customer hai — yeh mandated customer identification process hai jo partner institutions...
Read full →Udyam Registration
Udyam Registration MSME enterprises ke liye Government of India ka new registration system hai (July 2020 se applicable,...
Read full →Loan Tenure
Loan Tenure wo total time period hai jiske andar borrower loan ko EMIs ke through repay karta hai. Tenure months ya year...
Read full →Credit Utilization Ratio
Credit Utilization Ratio (CUR) wo percentage hai jo aap apne total available credit limit ka use kar rahe ho. Yeh credit-information score ...
Read full →Moratorium
Loan Moratorium wo period hai jab lender borrower ko temporary basis pe EMI payment se exempt karta hai — generally due ...
Read full →Prepayment Charges
Prepayment Charges (ya Foreclosure Charges) wo fees hain jo lender charge karta hai jab borrower scheduled tenure se peh...
Read full →LAP
LAP ka full form Loan Against Property hai — yeh secured loan hai jisme aap apni residential ya commercial property ko c...
Read full →Loan Eligibility Criteria
Loan Eligibility Criteria wo set of parameters hain jo lender evaluate karta hai before approving a loan application. Co...
Read full →FOIR
FOIR ka full form Fixed Obligation to Income Ratio hai — yeh percentage ratio hai jo lender calculate karta hai loan eli...
Read full →Payment Gateway (6)
MDR
MDR ka full form Merchant Discount Rate hai — yeh wo fee hai jo payment gateway/bank aapke business se charge karta hai ...
Read full →provider ki policy ke hisaab se Settlement
provider ki policy ke hisaab se Settlement ka matlab Transaction Day plus 1 working day hai — payment gateway/PSP customer ke paise (minus MDR) merc...
Read full →UPI
UPI ka full form Unified Payments Interface hai — NPCI dwara developed real-time inter-bank payment system jo mobile num...
Read full →PSP vs Aggregator
Payment Service Provider (PSP) aur Payment Aggregator (PA) dono licensed entities hain jo digital payments enable k...
Read full →Chargeback
Chargeback ek consumer protection mechanism hai jisme cardholder apne issuing bank se transaction reverse karne ki reque...
Read full →Wallet vs UPI
Digital Wallet (e.g., Indian payment platform Wallet, Indian wallet provider, Indian UPI/wallet platform Wallet) aur UPI (Unified Payments Interface) dono digital payment ...
Read full →Partner Program (1)
Legal (1)
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Shabd Samajhna Sabse Sasta Bachav Hai
Financial baat mein sabse zyada nuksaan un shabdon se hota hai jinhe log samajhe bina haan bol dete hain. Processing fee, foreclosure charge, waiting period, settlement cycle. Ye sab chhote shabd hain par har ek ka seedha asar aapke paise par padta hai. Meri seedhi salah: jab bhi koi shabd samajh na aaye, wahin ruk jaiye aur poochhiye. Ye poochna sharm ki baat nahi hai, kyunki jo aadmi aapko sewa bech raha hai uske liye wo shabd roz ka hai aur aapke liye shayad pehli baar. Aur agar wo saaf na samjhaye, to wahi sabse bada sanket hai.
Kaunse Shabd Sabse Zyada Nuksaan Karte Hain
Char shabd sabse zyada dikkat dete hain. Pehla, foreclosure ya prepayment charge, jo tab pata chalta hai jab aap jaldi chukana chahte hain. Doosra, penal interest, jo late payment par laga hota hai. Teesra, processing fee, jo approval ke time katta hai. Chautha, settlement cycle, matlab paisa kitne din mein milega. Aap khud sochiye, in chaaron ka aapke paise par seedha asar hai ya nahi? Hai. Isi liye inhe pehle poochna sabse sasta bachav hai. ProWiderKart ek facilitator hai, hum jaankari dete hain, koi fee nahi.
Yahan Log Sabse Zyada Chook Jaate Hain
- Samajh na aane par bhi haan bol dena.
- Foreclosure ya prepayment charge pehle na poochna.
- Penal interest aur processing fee na dekhna.
- Settlement ka waqt pehle na poochna.
- Jawab zubani lena, likhit mein nahi.