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Remodelling Financial Flexibility to Salaried Professionals

Instant Personal Loan Mobile App.

NBFC Registration Number B.01.00558

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Lending Service Partner: Lenditt

Download Chinmay's Official App for Instant Loan 

Chinmay Android App
chinmay iOS app

Instant Loan Amount upto 2 Lakh

Quick Approval in Just 15 Minutes

Repayment Tenure up to 6 Months

100% Paperless Loan Application

Get an Instant Loan at Your Fingertips

Online Personal Loan App

Chinmay Finlease Limited is an RBI-approved NBFC functioning under registration no. B.01.00558. The company was incorporated on 11th December 1996 under the Companies Act 1956. We aim to provide instant personal loans to young salaried professionals holding solid credit ratings to meet their unexpected and several planned events in life. Our vision is to bring financial flexibility to the youth and become the only go-to personal loan app.

Personal Loan App

Why Chinmay

Choosing us means opting for a financial loan provider that reciprocates your needs and lends you accordingly.

RBI- Approved NBFC

Chinmay stands out as a RBI approved NBFC operating within the regulatory framework set by the RBI.

Minimal Documentation

We have simplified the lending process to zero, requiring nominal documentation, making it manageable for customers to apply for a loan instantly.

Affordable Interest Rates

With Chinmay, you can enjoy competitive interest rates starts from 28% - 36.5% PA

100% Security & Privacy

By following RBI’s security measures, we aim to protect your data. The security of your personal and financial information is our topmost priority.

Flexible Repayment Terms

Chinmay provides flexible repayment options, allowing borrowers to pay back within six months.

Customer Support

Chinmay prides itself on offering 24/7 customer assistance, guaranteeing that all queries and concerns are addressed and answered quickly.

Our Services

1

Instant Personal Loan

Gone are the days when you had to rely on a family member or friend to lend you money when in need. To meet your immediate expenses or planned events, Chinmay Finlease Limited offers an instant personal loan in an unsecured form, assisting salaried young professionals in times of financial crisis. You can borrow up to Rs 2 Lakhs for a period of 6 months, with no hidden fees and no collaterals.

2

Instant Consumer Durable Loan

Fetching a Consumer Durable Loan from Chinmay App allows you to purchase all the Consumer Durable Goods you've been wishlisting for a long time. This enables you to buy large and pay little. Consumer Durable products such as auto cleaning machines, refrigerators, washing machines, microwaves, and others have become essential in fulfilling the daily chores of life and, therefore, are necessary to purchase.

3

Emergency Loan

Financial emergencies can occur at any time, therefore, having quick access to monetary funds is mandatory. An emergency loan from Chinmay Finlease Limited is a standard loan provider when you are in a hurry and meet an unexpected occurrence.

You can borrow up to Rs 2 Lakhs for a period of 6 months, with no hidden fees and no submission of collaterals.

Features

01.

One Time Registration

02.

No Guarantors or Collateral Required

03.

No Visiting Branches 

04.

No Subscription or Upfront Fees

05.

24/7/365

Support

Find out what you’ll need!!

Check if you qualify for our loans by reviewing our straightforward eligibility criteria, ensuring our loans are accessible to countless applicants. 

  • You must be an Indian Citizen

  • A working professional with a stable income of Rs 20,000/m

  • Age between 21 to 55 years

  • Aadhaar Card & PAN Card Holder

  • Bank Account where income gets deposited 

  • Credit Score of 700 or more

Chinmay Android App
chinmay iOS app

I recently used the Chinmay Loan App, and I must say I am quite impressed. The application process was straightforward and user-friendly, with minimal paperwork required.

Aryan

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APR Disclosure & 
Associated Fees

  • Interest Rates: 28 to 36.5% per annum

  • Processing & Other Applicable fees: 5% of the loan amount (This may vary based on your risk profile)

  • Documentation charges of 1%

  • ₹200 for online convenience fees

  • Bounce charges: ₹500 + GST as applicable

  • Minimum APR - 26% Maximum APR - 60%

*Please note that GST charges will be added to the process fees, document charges, online convenience fees.


Eligibility Criteria:

- Working Professionals with Stable income
- Above 21 years
- Minimum take home income of 20,000 Per Month (this may varies based on your location)
- Aadhaar & PAN Card Verification
- Bank Account where income gets deposited monthly
- All borrowing should be in good standing


Illustrative Calculation: -

  • Loan amount: ₹30,000 with a 28% annual interest rate.

  • Per day interest rate is 0.076%

  • Loan Duration: 180 Days

  • Total interest on the personal loan: ₹4,104

  • Processing fees (5% of the loan amount) + Documentation charges (1% of the loan amount) + Online convenience = ₹2,000

  • Total Deductions (Processing fees + Documentation charges + Online convenience + GST): ₹2,360

  • Net Disbursed Amount: Loan Amount - Total Deductions = ₹27,640

  • Total Repayable Amount (Loan Amount + Interest): ₹34,104

  • PF +DC + GST are deducted upfront during the loan disbursal.

*This is an indicative calculation, interest and other charges vary based on the profile

For any queries contact us on support@chinmayfinlease.com or call us at 7600012589

Get in Touch

Floor 3rd & 4th, House no 14,
Times Corporate Park,
Thaltej, Ahmedabad - 59

Chinmay Android App
chinmay iOS app
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