PawramLoan

About PawramLoan

PawramLoan – Fast, Transparent, and Digital Lending for India
 
PawramLoan is a smart and secure mobile lending application developed by PAWRAM TRADING PRIVATE LIMITED, a technology and service platform provider dedicated to financial inclusion through digital innovation.    Loans through the app are issued by our registered NBFC partner, Udvai Traders Private Limited, ensuring compliance with all relevant financial regulations and RBI guidelines.

PAWRAM TRADING PRIVATE LIMITED acts as a technology service provider and does not engage in lending or collection directly.
This partnership allows us to combine seamless technology with licensed lending, providing users across India with quick and reliable access to short-term personal loans—anytime, anywhere.
 
Why Choose PawramLoan?
Quick Approvals: Simple online application with real-time credit evaluation
Secure Disbursement: Direct transfer to your bank account
Flexible Loan Amounts: From ₹2,000 to ₹100,000
Fully Digital: No paperwork required
Who Can Apply?
To be eligible, you must:
 
Be an Indian citizen
At least eighteen years old
Have a valid PAN and Aadhaar card
Hold an active Indian bank account
Maintain a stable monthly income
Loan Terms Summary
Loan Amount: ₹2,000 – ₹100,000
Loan Tenure: 90 to 120 days
Daily Interest Rate: 0.05%
Processing Fee: 5% – 6% of the loan amount
Documentation Fee: 1% of the loan amount
Convenience Fee: Fixed (e.g., ₹200)
GST: 18% applicable on all fees
Annual Percentage Rate (APR):
Minimum APR: 8.76%
Maximum APR: 29.69%
Illustrative Loan Calculation
Example for a ₹30,000 loan with 90-day tenure:
 
Loan Amount: ₹30,000
Interest:
₹30,000 × 0.05% × 90 = ₹1,350
Fees:
Processing Fee (5%) = ₹1,500
Documentation Fee (1%) = ₹300
Convenience Fee = ₹200
Total Fees = ₹2,000
GST (18% on Fees): ₹2,000 × 18% = ₹360
Total Deductions: ₹2,360
Net Disbursed Amount: ₹30,000 – ₹2,360 = ₹27,640
Total Repayable Amount: ₹30,000 + ₹1,350 (interest) + ₹2,000 (fees) + ₹360 (GST) = ₹33,710
Regulatory Disclosure
All loans on PawramLoan are disbursed solely by Udvai Traders Private Limited, an RBI-registered NBFC.
Transparent terms and secure handling of user data are ensured at every step.
With PawramLoan, you’re choosing a lending experience built on clarity, compliance, and convenience—supported by the trusted partnership between PAWRAM and Udvai.
 
Download now to get the financial support you need—instantly and responsibly.