PFIL Finance – Digital Loan App by RBI-Registered NBFC

Offered by Registered Name: Pooja Finstock International Limited
NBFC Registration No.: B.01.00449 (Registered with Reserve Bank of India)

PFIL Finance is a secure, paperless, and transparent digital loan platform operated by Pooja Finstock International Limited, an RBI-registered NBFC established in 1996. The app is designed to provide salaried and self-employed individuals with quick access to personal and business loans, supported by a fully digital KYC and repayment system.

Loan Product Details

Loan Amount: ₹1,000 to ₹2,00,000
Tenure: Minimum 91 days to Maximum 365 days
Annual Interest Rate (APR): 18% to 28%
Processing Fee: ₹100 to ₹2,000 + GST (deducted upfront)
Other Charges: Late payment fee, if applicable (clearly disclosed in agreement)

Representative Example

Loan Amount: ₹10,000
Tenure: 91 days
APR: 24%
Processing Fee: ₹300
Interest Payable: ₹600
Total Repayment Amount: ₹10,900

Note: Actual rates and terms depend on credit profile and eligibility verification.

Eligibility Criteria

Applicant must be an Indian citizen
Age between 21 to 55 years
Salaried or self-employed with regular income
Credit score of 700 or above (mandatory for instant loan)
Valid PAN and Aadhaar card
Active bank account with income proof

Documents Required

PAN Card
Aadhaar Card linked with mobile number
Last 3 to 6 months bank statement
Salary slip or ITR (depending on employment type)

Key Features

* 100% digital and paperless loan application
* Direct disbursal by RBI-registered NBFC
* Real-time KYC and bank verification
* eNACH auto-debit setup for EMI payments
* Instant loan status updates and tracking
* Transparent terms with no hidden fees
* Data encrypted and handled per Indian IT Act and Google Play policy

Credit Score Check (₹51)

* Users may check their credit score and report for ₹51
* This service is optional and provided via authorized credit bureaus
* Minimum score of 700 is required for instant loan eligibility

Disbursement Schedule

* Loans are processed Monday to Saturday, from 10:00 AM to 6:00 PM
* Loans approved outside business hours are disbursed on the next working day
* No disbursement on Sundays or official bank holidays

Customer Support

* Email: [email protected]
* Website: https://pfilfinance.com

Legal and Compliance Information

* All lending, KYC, loan disbursement, and recovery are handled directly by Pooja Finstock International Limited
* PFIL Finance adheres to RBI’s Fair Practices Code, Indian IT data laws, and Google’s personal loan app guidelines

All loan repayments are processed via Razorpay/Easebuzz UPI Payment Gateway SDK. No card/UPI credentials are stored. The SDK is used only for authorized EMI repayments in compliance with RBI and Google Play policies.