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Mywish Marketplaces Private Limited

Partner Website https://www.wishfin.com/
Digital Lending App Wishfin
Link to Digital
Lending App		 https://www.wishfin.com/
Product Type Personal Loans
Product Details One Time Personal Loan
Tenure 12 to 72 months
Loan Amount upto ₹ 10 lakhs
Partner Grievance
Redressal Officer		 Name: Simranjeet Singh
Mail: grievance@wishfin.com
Address : E 30, Sector 8, Noida, Uttar Pradesh 201301
Remarks LSP provides services with respect to customer sourcing and servicing

Read more about Products and
Services

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Digital Lending Interest Rates, Fees & Charges

Rate of Interest and applicable charges on Digital Lending:

1) Digital personal loans, ROI starting from 10%*
2) BNPL/Digital CD loans, ROI starting from 10.45%*
3) Trade Finance, Business Loans : ROI starting from 15%*

*T&C Apply*

Digital personal loans

Charges Description

Fees / Charges

Processing fees /Usage fee

Upto 3.5% of Loan Amount

Late payment/Penal charges

Upto 2.5% of the unpaid EMI

EMI Return/Bounce Charges

7.5% of Bounced EMI Amount with Min. charge of INR 400/- & Max. of INR 1000/- (excluding GST)

EMI Pickup/Collection Charge

Upto INR 500/- as applicable

Foreclosure Chargers/Part Payment Charges

Upto 5% of Principal loan outstanding

Insurance Charge (if any linked to the loan)

Upto 5% of loan amount

Loan Cancellation/cooling off period

For Digital Loans, it can be cancelled within cooling off period with a payment of proportionate APR/ROI. Post Cooling off period, the loan will be treated as standard foreclosure with upto 5% charge.

 


Digital Consumer Durable Loans (Digital CD/BNPL)

Charges Description

Fees / Charges

Processing fees

Upto 3.5% of Loan Amount

Facilitation Fees/Activation Fee/Usage fee

Upto INR 500/-

Late payment/Penal charges

Upto 5% per month of the overdue amount per instance of default

EMI Bounce Charges

15% of Bounced EMI Amount Up to INR 750/- (excluding GST)

EMI Pickup/Collection Charge

Upto INR 350/- as applicable

Foreclosure Chargers/Part Payment Charges

Upto 5% of Principal loan outstanding

Cancellation & Rebooking charges/Cooling off period

Digital BNPL Loans, it can be cancelled within 3 days with proportionate APR/ROI as applicable. Post 3 days of Cooling off period, the loan will be treated as standard foreclosure with upto 5% charge.


Trade Finance, Business Loans

Charges Description Fees / Charges
Late payment/Penal charges Up to 24% P.A (to be levied on overdue amount and for overdue period)


1. GST, as applicable, will be levied on all service charges.

2. Foreclosure charges will be levied based on the applicability and other Terms and Conditions.

3. The above Schedule of Charges is subject to revision from time to time by the Bank.

Important Links

1 Sachet Portal https://sachet.rbi.org.in/
2 RBI's Complaint Management System (CMS) https://cms.rbi.org.in/
3 IDFC FIRST Bank Privacy Policy https://www.idfcfirstbank.com/privacy-policy
4 Grievance Redressal https://www.idfcfirstbank.com/support/grievance-redressal
5 Banking Ombudsman https://www.idfcfirstbank.com/banking-ombudsman