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.