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If someone is interested in a loan to improve their business, they can check their eligibility by contacting Arth through sales.support@arthdigital.net and providing the following details:

• Full name
• Mobile number
• State
• City

Arth offers credit ranging from ₹10,000 to ₹2,00,000 with flexible repayment terms ranging from 6 to 24 months. Therefore, the maximum amount someone can borrow from Arth is ₹2,00,000. 

Arth offers credit with a flexible repayment term ranging from 6 to 24 months. Therefore, the term for repayment of a loan from Arth depends on the borrower’s preference and financial capacity within this range. 

Arth offers credit for businesses with minimal documentation. Generally, the following documents and pre-requisites are required for availing the credit:

• Proof of Identity
• Proof of Address
• Active Bank Account
• Fixed Business Location

Arth does not charge for the application of the loan. A nominal processing fee is charged only after the loan is approved and it is deducted from the loan amount before disbursement. Arth also offers credit-linked insurance for the protection of customers, and the premium payable for the insurance is deducted from the loan amount before disbursement. 

The loan amount will be disbursed directly into the bank account provided by the borrower during the loan application process. 

To apply for a loan at Arth, you can send an email to sales.support@arthdigital.net and provide the following details:

• Full name
• Mobile number
• State
• City

Arth offers flexible repayment terms for their loans, with monthly repayment options ranging from 6 to 24 months. The borrower can repay the loan through monthly installments, which will be collected from the bank account registered by them at the time of application. 

No, it is not possible to change the EMI date once it has been fixed. 

Yes, there is a penalty for not paying the instalment on time. Arth levies a Late Payment Fee in case of delayed payment of the scheduled instalment. 

If you do not repay or delay the repayment of the loan, it may have the following consequences:

• Impact on Credit Score
  As per RBI regulations, information about your loan is shared with credit information companies (CICs), which generate your credit score. Delayed payments may lead to a decrease in your credit score, making it difficult for you to avail new loans in the future.
• Increased Credit Burden
  Delayed payments attract penalties, which may accumulate over time and result in an increase in your outstanding loan amount. This may lead to an increased burden on your credit and financial situation.

Therefore, it is recommended to repay your Equated Monthly Instalments (EMIs) on time to avoid any negative impact on your credit score and financial situation.

If you want to know the status of your loan application, you can get in touch with Arth’s dedicated customer support team. You can reach them in the following ways:

• Write to them at support@arthdigital.net
• Call them at 9044052255
• Leave your query at https://arthdigital.net/customer-support/

You can reach out to Arth’s dedicated Customer Support Unit by writing an email to support@arthdigital.net and providing your loan details such as Loan ID or Loan Account Number, and Registered Mobile Number. Alternatively, you can call them at 9044052255 or leave your query at https://arthdigital.net/customer-support/. One of our Customer Support Representatives will respond to your query and assist you with your concerns. 

Happy: 

Customer Support: +91-9044052266, support@happyness.net

Grievance Redressal Officer: +91-9136668274, grievance@happyness.net

Lendbox: 

Customer Support: +91-7291029298, support@lendbox.in

Grievance Redressal Officer: +91-9311393600, grievances@lendbox.in