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Vahana Cloud

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Saarathi is a platform used by loan agents (our channel partners) to view offers from over 60+ of the major lending institutions of the country (Banks/NBFCs), and track the status of their customer files along with their payout details in real-time.

The app also provides loan agents with:

⁃	A single view dashboard for all lender offers

⁃	Identify the most suitable lenders for their customers based on the profile of the customer using in-built intelligence

⁃	Connect with their customers for any queries regarding their loan file

⁃	Keep a real-time track of their customer files and their own payouts

➤ Loans usually have a repayment tenure from 6 months to 30 years depending on the lender and product category
➤ The APR (Annual Percentage Rate) of a loan may vary from 7% to 35%, depending upon the applicant's profile, type of loan and the lender,
➤ For example, on a Personal Loan of Rs. 4.5 lakh at an interest rate of 15.5% with repayment tenure of 3 years, the EMI will be Rs. 15,710. The total breakup here would be:
Principal Amount: Rs 4,50,000
Interest Charges (@15.5%): Rs 1,15,560
Loan Processing Fees (@2%): Rs 9000
Documentation charges: Rs 500
Amortization Schedule charges: Rs 200
Total cost of the loan: Rs 5,75,260
➤ Prepayment options may or may not be available, depending on the lender, and applicable charges for the same may vary.

Mentioned below are the Details of our official lending partners for Personal Loan
1)	Kisetsu Saison Finance (India) Private Limited (Credit Saison)
2)	Fullerton India Credit Company Limited

Mentioned below are the Details of our official  offline lending partners for Business Loan, Loan Against Property, Gold Loan and Home Loan

 HDFC Ltd, Utkarsh Small Finance Ltd, DMI HFL, Aadhar HFL,	Standard Chartered, Cholamandalam, Bajaj Finance Limited, Piramal Capital & HFL,Bajaj Housing Finance Ltd, Aavas Financiers, Indusind Bank, RBL Bank, Arka Fincap Ltd (Kirloskar Capital Ltd), Axis Finance Ltd, IDFC First Bank, Aditya Birla HFC, Hero Fincorp, Ujjivan Small Finance Bank, Tata Capital HFL, Axis Bank, Tata Capital Financial Services Ltd, HDB Financial Services,IIFL Home Finance Ltd,	Shubham HFL, Anand Rathi Global Finance Limited, Fullerton India Credit Company Ltd, Vistaar Financial Services,Deutsche Bank, Kotak Mahindra Bank, ICICI Bank, Sundaram Home Finance Ltd., PNB HFL, L&T Financial Service, Bank of Baroda, Doha Bank QPSC, Jana Small Finance Bank, Paysense Services India Pvt. Ltd., Shriram City Union Finance, Shriram Housing Finance, Indostar Capital Finance Ltd, INDIFI TECHNOLOGIES PRIVATE LIMITED, Poonawalla Fincorp, Aditya Birla Finance Ltd, Fullerton India Home Finance Co. Ltd.,Muthoot Finance Ltd, ESAF Small Finance Bank, Fdcb, Shinhan Bank, Finnable Technologies Private Limited,	HDFC Bank, AU Small Finance Bank, YES Bank Ltd, Kotak Mahindra Prime Limited, Profectus Capital Pvt Ltd, Unity Small Finance Bank, Axis Bank Ltd(Asha), Fedbank Financial Services Ltd, Indiabulls Housing Finance Ltd, LIC HFL, Art Housing Finance Ltd. , SBI Cap Securities, IDBI Bank Limited, Credit Saison, Growth Source Financial Technologies Pvt Ltd (Protium Finance Ltd), Ambit Finvest Pvt Ltd, Equitas SFB, DCB (*DCB refers SBL as LAP), Lendingkart, Bandhan Bank, Incred Financial Services, ECL Finance Limited (Edelweiss), Federal Bank, HDFC Bank (Online Code), ICICI HFC, DBS, HSBC, Vastu Finance

Platform used by channel partners, Real-time file tracking and Payout visibility

Saarathi

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