Please drop us an email @ firstname.lastname@example.org or call us at 91-90828 29036 / 91-022 62756222.
FAQ Category: Business Loans - Unity Small Finance Bank
Is my data submitted secure? How do I know my banking credentials and data is secured with you?
Your data is extremely important to us and shall be protected all times. Your data with us is secured by
a 128-bit SSL connection, ensuring that your personal and financial information will always be protected.
Also, please note that PayNearby does not sell your information to any third parties and has stringent policies in places to avoid any such data leakage.
How do I register a compliant if something goes wrong?
You can register your complaint with full details of the issue by sending an email directly to email@example.com with your loan account number.
I have paid my EMI on time but it is not being reflected in the loan statement?
Please share the payment details on email to firstname.lastname@example.org with your loan account number and they shall be happy to assist you and send you an updated loan statement.
How do I register a request for restructuring my EMI or tenure?
You can send an email to email@example.com with your loan account number and the details of restructuring you need to request for.
I got a message that my loan application is approved but I have still not received the disbursement of the loan amount?
Once you receive the message that your loan application has been approved, you are required to complete the digital documentation (which is done online through the use of an OTP validation) and ENACH mandate registration. Please check if you have received the link to complete the esign of the loan documentation and ENACH mandate registration.
If you have completed the documentation and still not received the loan, please call on 03366909090 or write to us at firstname.lastname@example.org with your loan application number in the subject line of the email.
If you have not received the link to complete your loan documentation and NACH mandate registration, please call us on 03366909090 or write to us at email@example.com with your loan application number in the subject line of your email. We would be happy to assist.
How can I make payment if I missed the EMI?
You can pay your missed EMI by scanning the UPI QR code as seen on your Repayment schedule (part of your loan documentation pack) and pay the EMI through any UPI supported App like Paytm, GooglePay or PhonePe etc. On scanning the QR code, your loan account details including the EMI etc. will be displayed on the app. You need to confirm the same and use your UPI Pin to complete the payment. You can write an email to firstname.lastname@example.org with your loan account number and we shall be able to send you a link for repayment.
I applied and submitted all the requested documents, still did not get any loan?
Please note that the lender has the final right to take the decision to approve or reject all loan applications as per their approved credit policy. If your application would have qualified as per lender’s credit policy, then your application may have be approved. If you still have any questions, please drop an email to email@example.com with your loan application number and we will get back to you with the reasons of rejection of your application.
Please note that your application may be rejected due to following reasons:
- Credit Bureau result (Score lower than 600);
- A history of DPDs (Days past Due), Write off or settlements in the last 12 months in any of your existing loans or credit cards;
- You have an active loan with Unity/Centrum already;
- In-principle sanction letter sent to you is not accepted by you within 3 days;
- Digital document signing failed 3 times at your end;
- E-NACH mandate registration failed 3 times;
- Any other reason as per credit policy of the Lender.
There could also be some reasons for rejection at the application stage itself, such as:
- Age parameter not being met – Age of the applicant is not between 24-59
- Business experience check – Minimum 2 years of business experience required
- If the bank account of the applicant is not in the list of banks where eNACH mandate is not live
Can I apply for a top up loan?
If you have repaid 50% of the total EMIs due, you will be eligible for a top up loan.
How do I check my loan account balance?
You can register a request for your account statement by sending an email directly to firstname.lastname@example.org with your loan account number.