Our Process — Step-by-Step Kya Hota Hai
📌 Official source: current limit, dar, fee aur niyam RBI ke niyam aur lending partner ki current policy ke official portal par dekhein — yeh samay-samay par badalte rehte hain. Yahan sirf process aur documents ki jaankari hai, koi number commit nahi.
Quick Overview
ProWiderKart ka process simple hai — 5 main stages mein hota hai. Pura process Hindi-English mein Chat aur phone par hota hai. Physical meetings rarely required.
Stage 1: Initial Enquiry (Day 0)
- User Chat/website form pe enquiry karta hai
- Hum within kuch samay respond karte hain (working hours)
- Generic eligibility discuss karte hain — products, amounts, timelines
- No personal data collected at this stage — open conversation only
Response time indicative. Weekends aur holidays par delay possible.
Stage 2: Need Assessment (Day 0-1)
- User ki requirement samajhna — kya chahiye, kyun chahiye, kab chahiye
- Generic eligibility, document list, indicative timeline batana
- User ko decision lene ka time dena — no pressure
Stage 3: Document Collection (Day 1-3)
| Standard Documents | Common Types |
|---|---|
| Identity | Aadhaar, PAN |
| Address | Aadhaar, utility bill |
| Income | Salary slip / bank statement / ITR |
| Business (if applicable) | GST, Udyam, business registration |
| Property (if applicable) | Sale deed, ownership proof |
Document list indicative hai. Specific requirements lender/product ke according vary karte hain.
Stage 4: Application Submission (Day 3-5)
- Documents ko verify karna aur format check
- Application file create karna aur partner lender/PG ko forward karna
- Application reference number share karna user ke saath
- Status updates Chat pe (no spam, only milestone notifications)
Stage 5: Processing & Disbursement (Day 5+)
- Lender apni internal processing karta hai (credit check, verification)
- Approval/rejection ka decision lender ka hota hai — ProWiderKart ka role facilitator only
- Agar approved — disbursement directly user ke bank account mein lender se
- Agar pending — additional documents ya verification request handle
- Agar rejected — reason explain aur alternative options suggest
Indicative Timelines by Product
| Product | Indicative Time |
|---|---|
| Personal Loan | kuch samay |
| Business Loan (small) | kuch din |
| MSME Loan | kuch din |
| Property Loan / LAP | Samay partner ki prakriya par |
| Payment Gateway Activation | kuch din |
Yeh figures indicative hain — actual timelines lender/PG ki internal processing aur user-specific factors par depend karte hain. Final decision unka hota hai.
Post-Disbursement Support
- Loan EMI start date ka reminder
- PG dashboard navigation help
- Renewal/top-up future support
Our Commitments
- 📞 Response partner ke process time mein guaranteed
- 🔒 Data encryption + DPDP Act 2023 compliance
- 🎯 No pushy sales — educational first
- 💬 Hindi-English mein full communication
- 💰 Zero charges to user — poori process mein koi fee nahi
FAQs
Application submit karne ke kitne der mein call aata hai?
Indicative response time kuch samay hai working hours mein (9 AM-9 PM). Weekend ya holiday par delay ho sakta hai.
Kya physical meeting zaruri hai?
Nahi, lagu dar (niyam ke hisaab se) process Chat/phone/email pe complete ho jaata hai. Sirf kuch products mein (jaise property loan) lender field verification kar sakta hai.
Documents kaise share karein?
Chat ya email pe scan/photo share kar sakte hain. Documents secure servers pe store hote hain DPDP Act 2023 compliance ke saath.
Disbursement mein total kitna time lagta hai?
Lender-specific hota hai. Indicative timelines — Personal loan: kuch samay, Business loan: kuch din, Property loan: kuch hafte. Final timeline lender ke discretion par.
Application reject hone par kya?
Hum reasons explain karte hain aur alternative options suggest karte hain — different lender, different product type, ya improvement areas (credit score, documents, etc.).
Process ke beech mein cancel kar sakte hain?
Haan, koi obligation nahi hai. Kabhi bhi step pe withdraw kar sakte hain. Pre-disbursement koi charge nahi.
Guidance Chahiye? Koi Fee Nahi
Hindi-English mein expert jaankari. Chat pe chat karein — 9 AM se 9 PM.