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BharatPe (previously postpe) is your one-stop financial app designed to meet all your financial needs. From convenient bill payments without any fees to quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered. Download the BharatPe app. BharatPe UPI is coming soon on iOS.

BharatPe Bill Payments:
Recharges: Pay all your bills easily for Mobile, DTH, Fastag.
Utility Bills: Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
Credit Card Bills: Easily pay your credit card bills online.

BharatPe Commerce:
Special Discounts: Get exclusive discounts on gift vouchers from top brands.

BharatPe Instant Cash Loan:
High Amounts: Access instant cash loans up to ₹15 lakh.
Flexible Repayment: Choose repayment options that suit your convenience.
Document Free Loans: No collateral or guarantor required.
Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance, Cashe, and True Credit.

Repayment Terms:
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate (APR):
Ranges from 18%-70%. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash:

Amount chosen by user: ₹1,00,000
Tenure: 12 months
Interest Rate: 18% per year (reducing)
Processing fees: 2.5%
Repayment Amount: ₹1,11,196
Total Interest Payable: ₹11,196
Processing Fees (incl. GST): ₹2,500
Monthly installment (EMI): ₹9,266.32
Total Cost of the Loan: Interest Amount + Processing Fees = ₹2,500 + ₹11,196 = ₹13,695
APR: 24.8%
Example of Bill to EMI conversion:

Amount converted into EMI: ₹1,00,000
Tenure: 6 months
Interest Rate (APR): 18% per year
Repayment Amount: ₹1,09,000
Total Interest Payable: ₹9,000
Processing Fees (incl. GST): ₹0
Monthly installment (EMI): ₹18,166.67
Total Cost of the Loan: Interest Amount + Processing Fees = ₹9,000 + ₹0 = ₹9,000

Permissions:
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding (send and receive SMS) from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe (previously postpe):
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited. BharatPe is our developer name.

NBFC Partners:
We have partnered with RBI-approved NBFCs such as LendenClub (Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd, and LiquiLoans (NDX P2P Private Limited). Additionally, we collaborate with L&T Finance Consumer Loans, Bhanix Finance and Investment Limited (Cashe), and True Credits Private Limited (Truebalance) as DSA partners to offer loans.

Contact Us:
Email: customersupport@bharatpe.com

get up to 10 lacs in just 60 seconds with postpe and live life to the max! enjoy 30 days of interest free credit, scan and pay on all BharatPe QRs and get up to 3 lacs of instant cash loan with postpe cash.

don’t pay, postpe!

* scan and pay: scan any BharatPe QR codes to pay using your postpe credit limit
* send money: transfer your postpe credit limit directly to your bank account
* postpe cash: get instant cash of up to 3 lacs in your bank account & repay with easy EMIs for up to 15 months
* cashbacks and rewards
* convert your bill to easy EMIs
* one bill, multiple transactions - postpe aggregates all your transactions and generates one bill

How to use postpe?

Download the postpe app
Sign up using phone number
Complete your KYC
Start transacting with postpe

When do I have to repay?

* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card or net banking.

EMI calculation:
postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months

Repayment Terms:
Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.
postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months

Annual Percentage Rate (APR):
Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.

Example of postpe cash:
* Amount chosen by user: Rs. 1,00,000
* Tenure: 12 months
* Interest Rate : 18% per year (reducing)
* Processing fees: 2.5%
* Repayment Amount: Rs. 1,11,196
* Total Interest Payable: Rs. 11,196
* Processing Fees (incl. GST): Rs. 2500
* Monthly installment (EMI): Rs. 9266.32
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695
* APR : 24.8%

An example of Bill to EMI conversion:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 18% per year
* Repayment Amount: Rs. 1,09,000
* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,166.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000

Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize payments. We also take permissions like Location and Contacts to provide additional data points that enable our partners to underwrite you better. You can check the Privacy Policy for details - https://postpe.app/privacy.html

NBFC partners:
postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Liquiloans(NDX P2P Private Limited). postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.


Please note that postpe is the brand name of the application launched by Resilient Innovations Private Limited (BharatPe). BharatPe is our developer name.

Contact Us:
Reach out to us for any queries and suggestions. Our contact details are :
Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008

Email: help@postpe.app
Website: postpe.app

get up to 10 lacs in just 60 seconds with postpe and live life to the max! enjoy 30 days of interest free credit, scan and pay on all BharatPe QRs and get up to 3 lacs of instant cash loan with postpe cash.

don’t pay, postpe!

* scan and pay: scan any BharatPe QR codes to pay using your postpe credit limit
* send money: transfer your postpe credit limit directly to your bank account
* postpe cash: get instant cash of up to 3 lacs in your bank account & repay with easy EMIs for up to 15 months
* cashbacks and rewards
* convert your bill to easy EMIs
* one bill, multiple transactions - postpe aggregates all your transactions and generates one bill

How to use postpe?

Download the postpe app
Sign up using phone number
Complete your KYC
Start transacting with postpe

When do I have to repay?

* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card or net banking.

EMI calculation:
postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months

Repayment Terms:
Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.
postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months

Annual Percentage Rate (APR):
Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.

Example of postpe cash:
* Amount chosen by user: Rs. 1,00,000
* Tenure: 12 months
* Interest Rate : 18% per year (reducing)
* Processing fees: 2.5%
* Repayment Amount: Rs. 1,11,196
* Total Interest Payable: Rs. 11,196
* Processing Fees (incl. GST): Rs. 2500
* Monthly installment (EMI): Rs. 9266.32
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695
* APR : 24.8%

An example of Bill to EMI conversion:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 18% per year
* Repayment Amount: Rs. 1,09,000
* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,166.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000

Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize payments. We also take permissions like Location and Contacts to provide additional data points that enable our partners to underwrite you better. You can check the Privacy Policy for details - https://postpe.app/privacy.html

NBFC partners:
postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Liquiloans(NDX P2P Private Limited). postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.


Please note that postpe is the brand name of the application launched by Resilient Innovations Private Limited (BharatPe). BharatPe is our developer name.

Contact Us:
Reach out to us for any queries and suggestions. Our contact details are :
Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008

Email: help@postpe.app
Website: postpe.app

get up to 10 lacs in just 60 seconds with postpe and live life to the max! enjoy 30 days of interest free credit, scan and pay on all BharatPe QRs and get up to 3 lacs of instant cash loan with postpe cash.

don’t pay, postpe!

* scan and pay: scan any BharatPe QR codes to pay using your postpe credit limit
* send money: transfer your postpe credit limit directly to your bank account
* postpe cash: get instant cash of up to 3 lacs in your bank account & repay with easy EMIs for up to 15 months
* cashbacks and rewards
* convert your bill to easy EMIs
* one bill, multiple transactions - postpe aggregates all your transactions and generates one bill

How to use postpe?

Download the postpe app
Sign up using phone number
Complete your KYC
Start transacting with postpe

When do I have to repay?

* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card or net banking.

EMI calculation:
postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months

Repayment Terms:
Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.
postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months

Annual Percentage Rate (APR):
Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.

Example of postpe cash:
* Amount chosen by user: Rs. 1,00,000
* Tenure: 12 months
* Interest Rate : 18% per year (reducing)
* Processing fees: 2.5%
* Repayment Amount: Rs. 1,11,196
* Total Interest Payable: Rs. 11,196
* Processing Fees (incl. GST): Rs. 2500
* Monthly installment (EMI): Rs. 9266.32
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695
* APR : 24.8%

An example of Bill to EMI conversion:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 18% per year
* Repayment Amount: Rs. 1,09,000
* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,166.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000

Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize payments. We also take permissions like Location and Contacts to provide additional data points that enable our partners to underwrite you better. You can check the Privacy Policy for details - https://postpe.app/privacy.html

NBFC partners:
postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Liquiloans(NDX P2P Private Limited). postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.


Please note that postpe is the brand name of the application launched by Resilient Innovations Private Limited (BharatPe). BharatPe is our developer name.

Contact Us:
Reach out to us for any queries and suggestions. Our contact details are :
Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008

Email: help@postpe.app
Website: postpe.app

postpe is the only shopping and payment platform you need that lets you shop now and pay next month, for anything and everywhere from golgappas to mobile phones. It enables financial freedom and better tracking of monthly spending. It provides you with an interest-free credit for up to 30 days and an option to convert your bill into low-interest EMIs.

* Scan and Pay - Scan QR codes to pay using postpe at shops anywhere. This is done via the limit that's assigned to you.
* Send Money - it can be used to send money to bank account
* postpe loans – postpe loans allows users to transfer money to bank account at low interest rates for EMIs for minimum tenure of 3 months and maximum tenure 15 months
* Cashbacks and Rewards - Unlock cashback and rewards at multiple places
* Easy EMI - Pay in full or convert to low-interest EMIs
* One Bill, Multiple Transactions - postpe aggregates all your transactions and generates one bill

How to use postpe?
* Download the postpe app
* Sign up using phone number
* Complete your KYC
* Start transacting with postpe

When do I have to repay?
* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card or net banking.

EMI calculation:
postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months

Repayment Terms:
Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.
postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months

Annual Percentage Rate (APR):
Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.

Example of postpe loans:
* Amount chosen by user: Rs. 1,00,000
* Tenure: 12 months
* Interest Rate : 18% per year (reducing)
* Processing fees: 2.5%
* Repayment Amount: Rs. 1,11,196
* Total Interest Payable: Rs. 11,196
* Processing Fees (incl. GST): Rs. 2500
* Monthly installment (EMI): Rs. 9266.32
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695
* APR : 24.8%

An example of Bill to EMI conversion:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 18% per year
* Repayment Amount: Rs. 1,09,000
* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,166.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000

Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize payments. We also take permissions like Location and Contacts to provide with additional data points that enable our partners to underwrite you better. You can check the Privacy Policy for details - https://postpe.app/privacy.html

NBFC partners:
postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Hindon mercantile limited. postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.

Please note that postpe is the brand name of the application launched by Resillient Innovations Private Limited (BharatPe). BharatPe is our developer name.

Contact Us:
Reach out to us for any queries and suggestions. Our contact details are :
Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008

Email: help@postpe.app
Website: postpe.app

postpe is the only shopping and payment platform you need that lets you shop now and pay next month, for anything and everywhere from golgappas to mobile phones. It enables financial freedom and better tracking of monthly spending. It provides you with an interest-free credit for up to 30 days and an option to convert your bill into low-interest EMIs.
* Scan and Pay - Scan QR codes to pay using postpe at shops anywhere. This is done via the limit that's assigned to you. While paying on month-end, you can settle in full or convert your bill into easy EMIs
* postpe card - it can be used anywhere for online and offline shopping.
* Cashbacks and Rewards - Unlock cashback and rewards at multiple places
* Refer and Earn - Invite your friends and earn up to 5% cashback
* Easy EMI - Pay in full or convert to low-interest EMIs
* One Bill, Multiple Transactions - postpe aggregates all your transactions and generates one bill for repayment next month
* No charge - No annual fee, absolutely no hidden charges
How to use postpe?
* Download the postpe app
* Sign up using the phone number or WhatsApp
* Complete your KYC
* Start transacting with postpe
* Refer to your friends. Earn up to 5% cashback
When do I have to repay?
* Bill is generated on the 1st of every month. You can repay within five (5) days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card, and net banking.
EMI calculation:
postpe extends a credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral. The interest rates range from 24% to 36% per annum with a loan tenure of 3 to 6 months.

Repayment Terms:
Bill is generated every month. Users have option to convert to EMIs of 3/4/5/6/12 months. Users can also repay bill in full at no interest cost by the due date.

Annual Percentage Rate (APR):
Ranges from 24% - 36%. APR is communicated on the postpe App while converting bill to EMIs. APR will be different for different tenures of EMIs.

An example:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 24% per year
* Repayment Amount: Rs. 1,12,000
* Total Interest Payable: Rs. 100,000 x (24%/12)*6 (6 months) = Rs. 12,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,666.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 12,000 + Rs. 0= Rs. 12,000
Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding from the user's device to authenticate and authorize payments. We will also need to take permissions like Location and Contacts to provide us with additional data points that enable our partners to underwrite you better.
Contact Us:
postpe is promoted and trademarked by Resilient Innovations Pvt Ltd
Reach out to us for any queries, feedback, and suggestions. Our contact details are as follows:
Email: help@postpe.app
Website: postpe.app

postpe is the only shopping and payment platform you need that lets you shop now and pay next month, for anything and everywhere from golgappas to mobile phones. It enables financial freedom and better tracking of monthly spending. It provides you with an interest-free credit for up to 30 days and an option to convert your bill into low-interest EMIs.
* Scan and Pay - Scan QR codes to pay using postpe at shops anywhere. This is done via the limit that's assigned to you. While paying on month-end, you can settle in full or convert your bill into easy EMIs
* postpe card - it can be used anywhere for online and offline shopping.
* Cashbacks and Rewards - Unlock cashback and rewards at multiple places
* Refer and Earn - Invite your friends and earn up to 5% cashback
* Easy EMI - Pay in full or convert to low-interest EMIs
* One Bill, Multiple Transactions - postpe aggregates all your transactions and generates one bill for repayment next month
* No charge - No annual fee, absolutely no hidden charges
How to use postpe?
* Download the postpe app
* Sign up using the phone number or WhatsApp
* Complete your KYC
* Start transacting with postpe
* Refer to your friends. Earn up to 5% cashback
When do I have to repay?
* Bill is generated on the 1st of every month. You can repay within five (5) days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card, and net banking.
EMI calculation:
postpe extends a credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral. The interest rates range from 24% to 36% per annum with a loan tenure of 3 to 6 months.

Repayment Terms:
Bill is generated every month. Users have option to convert to EMIs of 3/4/5/6/12 months. Users can also repay bill in full at no interest cost by the due date.

Annual Percentage Rate (APR):
Ranges from 24% - 36%. APR is communicated on the postpe App while converting bill to EMIs. APR will be different for different tenures of EMIs.

An example:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 24% per year
* Repayment Amount: Rs. 1,12,000
* Total Interest Payable: Rs. 100,000 x (24%/12)*6 (6 months) = Rs. 12,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,666.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 12,000 + Rs. 0= Rs. 12,000
Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding from the user's device to authenticate and authorize payments. We will also need to take permissions like Location and Contacts to provide us with additional data points that enable our partners to underwrite you better.
Contact Us:
postpe is promoted and trademarked by Resilient Innovations Pvt Ltd
Reach out to us for any queries, feedback, and suggestions. Our contact details are as follows:
Email: help@postpe.app
Website: postpe.app

postpe is the only shopping and payment platform you need that lets you shop now and pay next month, for anything and everywhere from golgappas to mobile phones. It enables financial freedom and better tracking of monthly spending. It provides you with an interest-free credit for up to 30 days and an option to convert your bill into low-interest EMIs.
* Scan and Pay - Scan QR codes to pay using postpe at shops anywhere. This is done via the limit that's assigned to you. While paying on month-end, you can settle in full or convert your bill into easy EMIs
* postpe card - it can be used anywhere for online and offline shopping.
* Cashbacks and Rewards - Unlock cashback and rewards at multiple places
* Refer and Earn - Invite your friends and earn up to 5% cashback
* Easy EMI - Pay in full or convert to low-interest EMIs
* One Bill, Multiple Transactions - postpe aggregates all your transactions and generates one bill for repayment next month
* No charge - No annual fee, absolutely no hidden charges
How to use postpe?
* Download the postpe app
* Sign up using the phone number or WhatsApp
* Complete your KYC
* Start transacting with postpe
* Refer to your friends. Earn up to 5% cashback
When do I have to repay?
* Bill is generated on the 1st of every month. You can repay within five (5) days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card, and net banking.
EMI calculation:
postpe extends a credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral. The interest rates range from 24% to 36% per annum with a loan tenure of 3 to 6 months.

Repayment Terms:
Bill is generated every month. Users have option to convert to EMIs of 3/4/5/6/12 months. Users can also repay bill in full at no interest cost by the due date.

Annual Percentage Rate (APR):
Ranges from 24% - 36%. APR is communicated on the postpe App while converting bill to EMIs. APR will be different for different tenures of EMIs.

An example:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 24% per year
* Repayment Amount: Rs. 1,12,000
* Total Interest Payable: Rs. 100,000 x (24%/12)*6 (6 months) = Rs. 12,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,666.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 12,000 + Rs. 0= Rs. 12,000
Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding from the user's device to authenticate and authorize payments. We will also need to take permissions like Location and Contacts to provide us with additional data points that enable our partners to underwrite you better.
Contact Us:
postpe is promoted and trademarked by Resilient Innovations Pvt Ltd
Reach out to us for any queries, feedback, and suggestions. Our contact details are as follows:
Email: help@postpe.app
Website: postpe.app