Lender

Wealth Bhi. Income Bhi!

If Savings is a good habit; putting that Savings to smart work is the only path to prosperity. A well diversified portfolio that can meet your short term, mid term and long term goals; while maintaining perfect balance between your risk appetite and financial goals is the need of the hour. Its a proven fact that Money earns more power (Wealth) when it comes back from someone who can create more economic value and IDEALLY, money should never be IDLE.

Experience Lending (Start small. Grow Big), the mutual fund way only at ATL TM;

  • Invest in multiple, scientifically curated eligible borrowers,
  • No bidding & we are not kidding (creating wealth requires expertise),
  • Flexibility to chose investment option that suits you (SLP TM or GP or MasterStroke)
  • Freedom to chose a repayment plan that gives you Income Bhi. Wealth Bhi! And
  • Most importantly unless you smile, we don’t cross a mile (Earn before we earn).
Get started now
Take a test drive

Why Bank on us?

SMART (Proven blend of Science, Machine learning, Art, Robotics & Technology)

One Size never fits all: Choose Lending option from below that suits your present and assists in fulfilling your future financial goals.

Master Stroke

Master Stroke: Ideal for UHNI / HNI’s who have a mid to long term horizon and the goal is wealth creation. Best suited for persons who seek to put their moneys at work, 24x7 (Auto Invest mode).

Growth Plan (GP)

Growth Plan (GP): Ideal for those who can invest lump sum (Rs. 1 lac to Rs. 10 lacs ) funds and earn regular passive income and create wealth over time.

Systematic Lending Plan (SLP)TM

Systematic Lending Plan (SLP) TM: Ideal for those who wish to start small (as low as Rs.1000/- at regular intervals) and build wealth over a period of time.

 

You Smile. We cross a mile (Earn before we earn) & that’s our commitment.

Repayment Options:

Choose one that goes well with your goal / needs today. You have the flexibility to switch repayment options; as time never remains what its today.

Re-invest: Put your returns at work 24x7 along with your investment automatically, so that you earn more. Ideal for those who plan to create wealth for a destined goal / dream and are not looking for regular income. Recommended age: 21 to 50 years.

Payout: Earn your returns regularly as and when your borrower repays. Ideal for those who plan to have regular income to meet their present needs. Recommended age: 51 and above.

NOTE: ATL TM reserves right to auto switch repayment option from Re-invest to Payout when resp. investor total aggregate investment breaches prescribed RBI norms.

Income bhi. Wealth bhi!
You earn. Before we earn
(Security Re-inforced)

Your savings are at work (Anytime & from Anywhere) – your money gets transferred to designated borrower account via Escrow
You Earn First

High Liquidity

Get regular income – borrower repayments via escrow

Transfer funds via Escrow Account

Track on a tap - Portfolio, returns, borrowers, etc

No Bidding. Its not Kidding (Invest in Credible & Legitimate borrowers)

No hidden terms, Invest what suits your pocket and whenever you wish.

Calculator

#No Goal, Too Far!

Invested Amount

122

Returns

221

When your money is in your bank, it earns bank interest and when same is at work (Lending); it earns smart returns for you.
That’s what we call; IDLE is now IDEAL @ ATL.

A simple tool to start lending and create wealth for yourself

Note: This is just an illustration that recommends you an ideal exposure that you should set aside (min. amount) towards this asset class, called; Smart Lending and is based on your age linked to our research on age to asset exposure (basis various investment options to have a diversified and balanced portfolio).

How Money Works

No Bidding. No Kidding – You earn. Before, we earn

Step1

Apply online – No joining Fee

Register digital (online) - Simple. Flexible. Secure

Step 2

Choose what fits you (Investing options)

Select Investment option that suits your goal – SGP / SLP

Step 3

Transfer funds to Escrow Account

Select repayment option that goes with your lifestyle – Payout / Re-invest

Step 4

No Bidding. As its not Kidding - Invest in Eligible & Legitimate borrowers

Privacy Secured – We respect. As you Expect

Step5

Invest in multiple credible borrowers (diversification)

Add money to your account – Escrow (online / offline transfer)

Step 6

Track returns
& Manage wealth at a click

Start getting eligible & credible borrowers on your phone (Accept / Decline). Experience Lending Mutual Fund @ ATL

Step 7

Money @ work, 24x7

Your savings are at work
(Anytime & from Anywhere)

FAQ

Its good to ask questions

AnyTimeLoan.in, does not guarantees that the amount that you have set aside in your bank account for lending through ATL is fully utilised; as there are several attributes to same. But, your money is never IDLE as either its earning regular savings account interest (when loan enquiry is not assigned) / its earning smart returns via lending through ATL; so heads you WIN and tail you WIN. However, our technology would automatically assign you approved borrower enquiries based on following:

A) You should be available online (just toggle on ATL mobile APP; ACTIVE to accept loan enquiries)

B) You should have sufficient balance in your bank account (available balance) to match loan enquiries.

You can always increase your investment committed (multiples of Rs.5000/- only, called TOP-UP) by dropping an Email to kuber@anytimeloan.in, with subject as TOP-UP / simply click TOP-UP on your ATL dashboard. However, ideally you can’t reduce the committed amount without prior notice of min. 90 days.

Yes. You can lend but ensure you are doing so from your savings and not by borrowing.

Yes. You can lend but ensure you are doing so from your savings and not by borrowing.

AnyTimeLoan.in (ATL) is India's No

Please drop an Email with contact details to partner@anytimeloan.in partner@anytimeloan.in and we shall get back to you in short time OR register as an institutional lender on our website / on our mobile APPs (Android / iOS).

Below process is followed automatically by our technology to map / assign borrower enquiries to our approved lenders:

* FIFO: whoever has first updated his/her status as ACTIVE (by pushing toggle button – Money Active from your ATL account), the enquiry would be assigned;
* subject to AVAILABLE BALANCE: your available balance to invest should be equal to / more than loan amount requested for;
*subject to SERVICE LEVEL: you honour the loan enquiry assigned by disbursing via online transfer to borrower account within 15 mins / SLA limits

Either you are not updating your status (Online / Active) in your ATL member dashboard OR you are not having sufficient Available balance that can match / meet loan enquiries. If you still have queries, please write to kuber@anytimeloan.in and our designated team would get back shortly.

Although, its our sincere attempt to make your money work for you 24x7 by use of technology (automatic loan enquiry mapping); but we can’t assure same as it depends on other factors as stated in above point. However, our LOBOT ™ does the selection of lenders / mapping of eligible borrower enquiries with listed lenders in 100% transparent & without any human intervention environment; so that there is no cherry picking / biased mapping of loan enquiries to specific lenders. ATL is a 100% transparent, digital and responsible tech driven platform, that strives to maximise wealth for its lenders and minimise cost for its eligible borrowers.

Product Membership Type Loan Tenure ROI (%) Processing Fee Extension Fee Remarks Min. Loan Max. Loan Penal Charges on default (INR) Default Interest (%) CD Charges ATS (Optional) Repayment Options
Personal Loan Silver 1-6 days 0.07% / day (up to 25.55% APR) Rs.750/- or 1.5% of loan amount (whichever is higher) Rs.1000/- or 2% of last outstanding (whichever is higher) Extension is subject to approval and borrower needs to pay a min. amount equals Processing Fee & Interest Rs.1000/- Rs.50,000/- Rs.500/- per day 0.15 per day Rs.250/- Rs.10/- Bullet Repayment
    7-14 days 0.1% / day (up to 36.5% APR)                    
    15-30 days 0.15% / day (up to 54.75% APR)                    
  Gold 1-6 days 0.05% / day (up to 18.25% APR) Rs.750/- or 1.5% of loan amount (whichever is higher) Rs.1000/- or 2% of last outstanding (whichever is higher) Extension is subject to approval and borrower needs to pay a min. amount equals Processing Fee & Interest Rs.1000/- Rs.70,000/- Rs.500/- per day 0.15 per day Rs.250/- Rs.10/- Bullet Repayment
    7-14 days 0.07% / day (up to 25.55% APR)                    
    15-30 days 0.1% / day (up to 36.5% APR)                    
  Platinum 1-6 days 0.05% / day (up to 18.25% APR) Rs.750/- or 1.5% of loan amount (whichever is higher) Rs.1000/- or 2% of last outstanding (whichever is higher) Extension is subject to approval and borrower needs to pay a min. amount equals Processing Fee & Interest Rs.1000/- Rs.1,00,000/- Rs.500/- per day 0.15 per day Rs.250/- Rs.10/- Bullet Repayment
    7-14 days 0.07% / day (up to 25.55% APR)                    
    15-30 days 0.1% / day (up to 36.5% APR)                    

Credit assessment of a borrower is done to understand the risk of default. For this purpose, financial, social and personal background check is undertaken basis certain documents submitted by Borrowers, such as income and bank statements.

Various factors considered by our fully-automated credit evaluation mechanism are:

Stability: Stability is understood basis the nature of borrower’s residence i.e. rented/self-owned, length of stay at the same address, length of employment in the same organization etc.

Ability: Ability is evaluated by studying the borrower’s income & expenditure behavior. For example, a healthy percentage of income saved reflects better ability of borrower to repay his/her financial liabilities.

Intention: Intention is understood by analyzing the past repayment behavior of the borrower towards his financial liabilities. Delayed repayments in past financial transactions reduce the chances of loan approval.

Banking Habit: A bank statement helps to judge banking habits of a borrower. Several parameters like average monthly balance, cheque bounce and unaccounted transactions, if any, are taken into consideration for assessment of a borrower’s credit worth.

Verification at different levels: Other than telephonic verification to get first-hand information from the borrowers, near-dear (case to case basis etc..) to verify details shared by the applicant. All documents submitted by the borrower are also verified for forgery using state-of-the-art technology.

ATL Rule engine, an in-house proprietary algorithm, assigns different weightages to all the above factors to compute a score that helps determine the interest rate, loan tenure and amount at which the Borrower’s loan request can be listed on the platform to secure funding from the lenders.

ATL seeks your Aadhaar number with your consent in the event wherein you have opted for eNACH services and same is requested by NPCI for activating your mandate. Nowhere your Aadhaar number and its related information is stored or saved in our environment