SarvaGram

About SarvaGram

Welcome to SarvaGram,

Your trusted financial companion designed to provide convenient access to funds when you need them the most. Unexpected expenses can arise at any moment. That's where our app steps in, offering a reliable solution to bridge the gap between paydays and empower you with financial flexibility. With our user-friendly interface, getting an advance on your salary has never been easier. Say goodbye to worrying about sudden bills, emergencies, or unplanned expenditures. Our streamlined application process ensures quick and hassle-free access to the funds you require, enabling you to address urgent financial needs without stress.

App key features
• Loan amount: ₹ 5,000 - ₹ 30 Thousands
• Personal Loan in 10 minutes
• Maximum Annual Percentage Rate (APR) : 30% p.a.
• Tenure (Minimum and maximum period for repayment) : 6 months
• 100% digital process
• Minimal paperwork
• No collateral required
• No pre-closure charges

Here’s an example on how Personal loans from Sarvagram work
Example
• Loan amount: ₹ 30,000
• Processing fee (2% of loan amount * 18% GST) : ₹ 708
• Total Loan amount: ₹ 30,708
• Interest: 30% p.a.
• Maximum Annual Percentage Rate (APR) : 30% p.a.
• Tenure (Minimum and maximum period for repayment) : 6 months
• Your EMI: ₹ 5,446
• Total Amount to be paid: ₹ 5,446 x 6 = ₹ 32,680
• Total interest paid: ₹ 32,680 - ₹ 30,708 = ₹ 1,972
• Total cost of loan: ₹ 1,972 + ₹ 708 = ₹ 2,680

Eligibility Criteria to avail of a Personal Loan
• Salaried Individuals
• Above 21 years
• Minimum take-home salary per month ₹13K

Documents required for Instant Loan
• PAN
• Aadhar card
• Salary account bank statement

How to apply for an Instant Loan?
1. Login to the app.
2. Fill in some basic details and upload few documents.
3. Choose the loan amount.
4. Get the money transferred to your account in 5 minutes.

Personal Loan interest rates and other charges
Below are the applicable fees and charges for loan :
Interest rate: 2.5% per month
Processing fee: 2% of the loan amount
Bounce charges: ₹ 500 + GST
Late payment charges: 2.5% per month on outstanding amount of loan for defaulted/ delayed period
Mandate rejection charges: ₹ 250 + GST
Pre-closure charges(during cooling-off period): ₹ 0
Pre-closure charges (after cololing-off period): (a) 4% (four percent) of the outstanding amount of Loan in case prepayment is effectuated before the payment of 50% (fifty percent) of the total EMIs payable (in number) under the Loan, (b) 3% (three percent) of the outstanding amount of Loan in case prepayment is effectuated after the payment of 50% (fifty percent) of the total EMIs payable (in number) under the Loan.

A penalty is charged only when someone delays their scheduled payment. In addition, GST will be applicable only on the fee components as per Indian laws. All the customers are made aware about details regarding fees and charges through the agreement which is shared on their registered mobiles, also the customers can access their loan details 24*7 through our App.

About SarvaGram,
SarvaGram App is owned by Sarvagram Solutions Pvt Ltd who facilitates Lending related services primarily through our in-house RBI registered NBFC, Sarvagram Fincare Pvt Ltd. It is a financial ecosystem that enables the mid-income group to upgrade their lifestyle. offers a 100% digital loan application process that takes just minutes to complete.
Our Partner NBFC,
• Sarvagram Fincare Private Limited.


How to contact us:
Telephone: +91 81017 77555
Email: [email protected]