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👉Postpe App👇
https://play.google.com/store/apps/de...

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
send money - it can be used to send money to your contacts or your bank account
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

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 18% to 27% 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 months. Users can also repay bill in full at no interest cost by the due date.

Annual Percentage Rate (APR):
Ranges from 18% - 27%. 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): 18% per year
Repayment Amount: Rs. 1,09,000
Total Interest Payable: Rs. 100,000 x (18%/12)*6 (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 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. 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 - hindon mercantile limited, LendenClub (Innofin Solutions Private Limited), TrillioLoans Fintech Private Limited to give out postpe credit limit. Your 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, feedback, and suggestions. Our contact details are as follows:

Address: A45, Second Floor, Corner Market, Malviya Nagar, New Delhi 110017, India
Email: [email protected]
Website: postpe.app

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