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Home › About Omozing
Maintained by the Omozing team · This page is the reference summary of Omozing’s published terms · Last updated: October 2026
| Term | Value |
|---|---|
| Brand | Omozing |
| Lender (legal entity) | Aparampaar Finance Private Limited |
| Regulatory status | RBI-registered non-deposit-taking NBFC. Registration details are on our regulatory disclosures page. |
| CIN | U65100KA2019PTC130484 |
| Headquarters | Bengaluru, Karnataka |
| Where we lend | Pan-India |
| Product | Unsecured personal loans for salaried people |
| Loan amount | Up to ₹25 lakh |
| Tenure | 3 to 36 months |
| Interest rate | Starts from 11% a year. Your exact rate depends on your profile and is shown in the Key Fact Statement. |
| Processing fee | 3%–7% of the loan amount, plus GST |
| Foreclosure charge | 4%–6%, especially on longer-tenure loans. The exact charge is in your Key Fact Statement and loan agreement. |
| Part-prepayment | Not offered. You can foreclose the full loan, subject to the foreclosure charge. |
| APR | Shown in the Key Fact Statement (KFS) before you sign |
| Minimum credit score | From 600 |
| Minimum take-home pay | ₹40,000 a month. Eligibility questions answered |
| Documents | Last 6 months’ salary-account bank statement, latest salary slip, and PAN and Aadhaar KYC |
| Co-applicants | Accepted: spouse, family members, and even friends |
| Credit assessment | A credit officer reads your full credit report, not just the score |
| Disbursal | Directly to the borrower’s own bank account |
| Fees before approval | None. Omozing never asks for any fee before approval. |
| Other programmes | SmartSwitch (loan-app loan consolidation) and the Credit Score Booster programme |
| Contact | info@omozing.com | +91 88848 00789 |
| Sister company | FundsTiger (fundstiger.in) |
| We lend to | We don’t currently lend to |
|---|---|
| Salaried employees anywhere in India | Self-employed people, business owners and students, because our loans are for salaried borrowers only |
| Take-home pay of ₹40,000 a month or more | Take-home pay below ₹40,000 a month, unless a co-applicant’s income helps |
| Credit score from 600, including scores in the 600s that many lenders turn down | Credit scores below 600. Our Credit Score Booster programme is the place to start. |
| Borrowers who want a co-applicant: spouse, family member or friend | Anyone looking for a very small, few-day loan from an app. Omozing offers personal loans with monthly EMIs over 3 to 36 months. |
Start on the personal loan page. You need to be salaried, with a take-home of ₹40,000 a month or more and a credit score from 600.
Your last 6 months’ salary-account bank statement and latest salary slip, plus PAN and Aadhaar for KYC. Add a co-applicant if you want their income considered.
A person reads your full credit report and your income, not just the score, and decides the amount, tenure and rate.
The KFS shows the exact interest rate, processing fee, APR and foreclosure charge before you sign anything.
The loan is disbursed directly to your own bank account. You repay in fixed monthly EMIs over the agreed tenure.
Interest. Omozing’s rates start from 11% a year. The rate you are offered depends on your credit report, income and the loan you ask for. We quote rates per year, never as a per-month or flat rate.
Processing fee. 3%–7% of the loan amount, plus GST on the fee. It is usually deducted when the loan is disbursed, so the amount reaching your account is the loan minus the fee and GST.
Foreclosure charge. If you close the loan early, a foreclosure charge of 4%–6% applies, especially on longer-tenure loans. The reason is simple: the capital for your loan is committed for the full loan term, and when you repay early it has to be redeployed. The exact charge for your loan is stated in the Key Fact Statement and the loan agreement.
APR. The annual percentage rate combines interest and fees into one yearly figure. It is shown in your Key Fact Statement before you sign. Compare lenders on APR rather than on the headline rate.
| Illustrative example: ₹3 lakh at 11% a year | 24 months | 36 months |
|---|---|---|
| Monthly EMI | ₹13,982 | ₹9,822 |
| Total interest over the tenure | ₹35,568 | ₹53,592 |
| Processing fee at 3% + 18% GST | ₹9,000 + ₹1,620 | ₹9,000 + ₹1,620 |
| Amount reaching your account at a 3% fee | ₹2,89,380 | ₹2,89,380 |
| Amount reaching your account at a 7% fee | ₹2,75,220 | ₹2,75,220 |
Illustrative only, not an offer. Uses the starting rate of 11% a year and the standard reducing-balance EMI formula, rounded to the nearest rupee. Your actual rate, fee, APR and EMI are set after credit assessment and shown in your Key Fact Statement.
Omozing is a brand of Aparampaar Finance Private Limited (CIN U65100KA2019PTC130484), an RBI-registered non-deposit-taking NBFC. Our RBI registration details and other disclosures are on the regulatory disclosures page. If something has gone wrong, our grievance redressal mechanism sets out how to raise a complaint and how it is escalated. For anything else, write to info@omozing.com.
SmartSwitch consolidates several short-term loan-app loans into one Omozing loan with one EMI, so you deal with one lender and one due date. The Credit Score Booster programme is for people whose score is not yet where they need it; it helps you improve your credit habits and report, without promising any particular score.
Yes. Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC based in Bengaluru. Registration details are on the regulatory disclosures page at omozing.com/regulatory-links/.
Omozing’s personal loan rates start from 11% a year. The exact rate depends on your profile and is shown, with the APR, in the Key Fact Statement before you sign. Omozing does not quote per-month or flat rates.
Up to ₹25 lakh, as an unsecured personal loan for salaried people, repaid over 3 to 36 months. The amount you are offered depends on your income, existing EMIs and credit report.
Omozing considers credit scores from 600. A credit officer reads your full credit report, not just the score, so a score in the 600s is not an automatic rejection.
A take-home pay of ₹40,000 a month or more, as a salaried employee. A co-applicant such as a spouse, family member or friend can be added.
3%–7% of the loan amount, plus GST. It is usually deducted at disbursal, and the exact fee is in your Key Fact Statement.
Yes. A foreclosure charge of 4%–6% applies, especially on longer-tenure loans, because the capital is committed for the loan term and has to be redeployed if you repay early. The exact charge is in your Key Fact Statement and loan agreement.
We don’t offer part-prepayment; you can foreclose the full loan, subject to the foreclosure charge.
Your last 6 months’ salary-account bank statement, your latest salary slip, and PAN and Aadhaar for KYC.
No. Omozing never asks for any fee before approval, and the loan is disbursed directly to your own bank account. Treat any upfront fee request made in Omozing’s name as a fraud attempt.
SmartSwitch consolidates several short-term loan-app loans into one Omozing loan with a single EMI.
Loans up to ₹25 lakh over 3–36 months, credit scores from 600, and rates that start from 11% a year.
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Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process. Last updated: October 2026.