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Everyone

Chippr Deals Pvt. Ltd.

Marshmallow

FLYK provides credit services at attractive interest rates and with zero hidden fees & charges.

Interestingly, you can upgrade your credit services by simply inviting your financially responsible friends & colleagues to become a part of your FLYK NETWORK and by ensuring that the network members repay their dues on time. Having a GOOD NETWORK ensures - higher ticket size personal loan, EMI payment option, part payment facility, lower fees & interest rates amongst others.

NOTE ON NETWORK
# It can only have a maximum of 7 members
# It cannot include blood relatives
# Members in the NETWORK have a significant impact on one's credit services. So, only include those members in your NETWORK who are credible & trustworthy.

FLYK also helps you in tracking your daily expenses to automatically & securely record your monthly spends. Stay within budget, pay bills & credit dues on time and save more every month.

FEATURES
1. Personal loan of upto ₹1,00,00
2. Convenient, transparent, rewarding & 100% paperless process
3. Flexible EMI options for responsible members
4. Expense tracker for managing monthly finances

COMMERCIALS
Loan amount : Minimum ₹ 5,000 to maximum ₹ 1,00,000
Rate of interest / Annual Percentage Rate (APR): Minimum 16% per year to maximum 24% per year
Repayment tenure: Minimum 3 Months to maximum 12 Months
Processing fee : 2% of the loan amount
GST: 18% of Processing Fee
Prepayment fee : Nil
Late fee : 24% APR would be charged on a daily basis on the outstanding dues. Bank may also levy charges in case of a ENACH bounce.

EXAMPLE
Loan Amount : ₹50,000
Tenure : 12 months
Interest rate : 22% (on Reducing Principal Balance interest calculation)
EMI amount : ₹4,680
Total interest payable: ₹4,680 x 12 months - ₹50,000 Principal = ₹6,160
Processing fee (incl. GST): ₹1,180
Disbursed amount: ₹50,000 - ₹1,1180 = ₹48,820
Total amount payable: ₹4,680 x 12 months = ₹56,160
Total cost of the loan = Interest + Processing fee = ₹6,160 + ₹1,180 = ₹7,340

For loan withdrawn between 1st and 15th of the month, the first EMI will be due on the 5th day of the next month and for any loan withdrawn between 16th and till the end of the month, the first EMI will be due on the 5th day of the month, next to the subsequent one.

ELIGIBILITY
Indian citizen
Age between 20 - 55 years

DOCUMENTS REQUIRED
PAN number
Aadhaar / Voter ID / Driving license number for eKYC
Salary Slip / Employment Id (salaried employees)
College ID (students)
Bank statement (working professionals)

TO APPLY
1. Register using your mobile number
2. Submit the Credit Enrolment Form
3. Once approved, enter bank details for money transfer or use the credit for in - app payments
4. Improve credit services by inviting financially responsible & trustworthy colleagues to become a part of your FLYK NETWORK.
5. Ensure timely repayment of dues by the NETWORK members.

SECURITY
Your data is never, ever shared with any third party without your consent and all the transactions are secured via a 128-bit SSL encryption.

ESSENTIAL PERMISSIONS
#READ & RECEIVE SMS
For expense & income calculation from bank's transactional SMSs. This permission is essential for money management

#CALL LOG
For Two-factor verification & password reset authentication
 
#CONTACT INFO 
For building FLYK Network

#LOCATION
For credit assessment & fraud prevention

#MEDIA & STORAGE
For uploading & downloading documents

LIST OF STATE/S CURRENTLY SERVICEABLE
Madhya Pradesh

NBFC PARTNER
Transactree Technologies Private Limited

IMPORTANT NBFC LINKS
https://www.lendbox.in/privacy-policy
https://www.lendbox.in/channel-partner-investor

OFFICE ADDRESS :
Chippr Deals Pvt. Ltd.
6, B.D.A Colony, Ishwar Nagar, E/8 Shahpura
Near Radisson Hotel
Bhopal, Madhya Pradesh - 462039

For queries or feedback, kindly reach us at : support@flyk.in

Customer support 
+91 2235328926
Mon - Fri, 10.30 A.M - 6.30 P.M

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