Chintamani gives you a loan as per your need. Compare to others, who will issue a minimum loan of 1 lakh rupees whereas you need only Rs. 35000 to address a current problem. Therefore, excess amount becomes a burden/ a debt for a long period of time.
Chintamani provides loan for only one year compare to 3-6 years in case of another company. During this period, both the principal and interest are settled expeditiously. No hidden cost involved.

You have the option to secure loans ranging from Rs. 40,000 to Rs. 2,00,000 based on your needs and eligibility, with a repayment period limited to one (1) year.

If the monthly payment of any EMI is delayed for any reason, the company may impose a penalty fee and penal interest. Chintamani suggests all our customer’s not to default in their payment. We intend to establish multiple loyalty programs for our longstanding customers with a clean track record, having avoided defaults or bounced cheques in the past. This is because a borrower's credit history can be affected, limiting their ability to secure credit from other financial institutions in the future. In extreme situations, the company reserves the right to pursue legal action in cases of non-payment of the loan amount.

Each customer applies on the Chintamani Finlease portal will need to go through background verification and the internal credit assessment process. The assessment relies on information gathered from diverse sources such as the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc. This process is time-sensitive and entirely automated. Therefore, your loan amount will be disbursed within 2-3 days, subject to approvals.

Yes, Chintamani provides topup services after 8 months locking period. In the course of this procedure, you are required to submit only 6 months of bank statements and 3 months of payslips.