#dhani credit line

[idontwanttospoiltheparty]

omg since you’re taking off todya from studying can we hear some of your beatle hottakes?

ughhhhhhh sorry, these are so hard to come up with these days

meta take: I sort of wish we could have a genuine conversation about the blurry line between wishful thinking/headcanon and more objective (or, aspiring to be objective) historical analysis – I get the headcanons, I really do! but just in the past year, there's been several instances of people in good faith asking about sources or questioning "fan favourite" anecdotes and being shouted down for "ruining people's fun". If you want to engage with this stuff in a more lighthearted way, that's fine! but accept that that's what you're doing. Being rude to people trying to get to the truth is not a good look. Your imagination can withstand it, I promise.

more people need to jump on the Day Tripper tinhatting train. shit's crazy up here

the more I listen to Double Fantasy the more I'm offended that a certain brand of John fan basically only names songs from 1970/71 as his best. ditto with Walls and Bridges…

Again And Again And Again: best Denny solo-written Wings song ( it's hard to gauge how much is him and how much is Paul for their collabs. Anyways, No Words my beloved)

Sexy Sadie is kind of perfect… The lyrics, the chords, the distorted doo-wop it all embodies that DISAPPOINTMENT so well. The guitar solo is great, the high-pitched oooooooooohs. No notes, underrated song for sure.

the Mind Games album cover is soooooo deranged but so fucking good. That and Ram might be the best post-Beatles album covers.

this isn't exactly a take but the SADDEST part of Hey Jude is when John harmonizes with Paul. I can't not hear all the unspoken pain.

I kind of hope we get versions of Free As A Bird and Real Love with cleaned up John vocals like Now And Then. I don't want to erase those originals because the audio quality tells a story of its own, but Real Love especially suffers so much from it. I listened to it earlier today and nearly got teary. "No need to be alone" kind of gives me goosebumps. There's something so raw and emotional about all three of these songs…

This is almost the opposite of a hottake, but it kind of Doesn't Matter To Me who Now And Then is about. It could be about Paul, it could pretty easily be about Yoko too, and a few people I've seen say they think it's about May, which could be too! It perhaps not being directed at Paul doesn't take away from the song for me, because the song feels bigger than just its direct inspiration.

On that note, I sort of think that sometimes people could stand to.... Die on fewer hills? Like, the notion that Now And Then could be about Yoko doesn't negate John and Paul's relationship or most things people theorize they may have gotten up to. Now And Then Release Week bonus round, cause it's been long enough to talk about it a bit:

Paul (and Ringo and George! they also have a writing credit, guys!) making editorial choices about John's unfinished song with the blessing of his widow is literally fine. "But John might not have approved–" yes, this is how death works. John also might have found the song embarrassing and not wanted it released at all. It wasn't on Double Fantasy after all! Or maybe he would have specifically wanted to remove the same bit! (which I maintain is musically strange and unfitting at worst and at best a still really rough idea that would probably require a lot of work in of itself – echoing the chord progression in the instrumental bit is the best compromise I could imagine)

I actually really get the George girls who were a bit bummed out by the rollout of the song. He DID get the short end in this situation! but… what would have been better? I saw some people say Paul isn't nearly as good a slide guitarist at George. Okay well then… So Paul should've hired a session musician? How does that makes sense? Paul should've asked Dhani to find some random guitar bit George recorded 25 years ago and frankensteined it onto this song? I'm asking this honestly: what should have been done instead? Because… I sort of got the feeling from some of the criticism that the only acceptable solution was to not release this song at all. And TBH I don't think George "getting the short end" is worse than not allowing Paul and Ringo the closure of completing this song. This wasn't perfect but again: yes, this is how death works.

[greensparty]

Album Review: John Lennon "Mind Games" Ultimate Collection

Through this blog, I've had the pleasure of covering The Beatles quite a bit, but this actually marks the first time I've been lucky enough to do an album review of a John Lennon solo release. I've gotten to review documentary films (The Lost Weekend: A Love Story, John Lennon: Murder Without a Trial, and most recently Revival69) about and/or featuring Lennon, but never an album review. Until now! Lennon's fourth solo album Mind Games was originally released on October 29, 1973. By this point it was a few years after The Beatles broke up. The album was recorded as Lennon was having issues with immigration and it was the start of his separation from wife Yoko Ono, known as his "Lost Weekend" which was actually 18 months. This past week saw the release of the Super Deluxe Edition of Mind Games: The Ultimate Collection from UMe.

1973 album cover

The album got a bad wrap when it was released. It only reached #9 on the Billboard album charts. It has been reissued many times over the years, but my favorite was the 2010 remastered edition that was included in the John Lennon Signature Box. The title track is the big song on the album that gets the most attention. But there's some bangers here including "Bring on the Lucie (Freda Peeple)" and "Meat City". Similar to the Ultimate Collection treatment that Lennon's Imagine got in 2018 and John Lennon / Plastic Ono Band got in 2021, this is Mind Games getting the kitchen sink box set treatment. Disc 1 is The Ultimate Mixes, produced by Sean Ono Lennon and mixed / engineered by Paul Hicks (known for his remixes of The Beatles and his partnership with Dhani Harrison in thenewno2), a very honest remastering of the album. Disc 2 is The Elemental Mixes, a more stripped back minimalist approach to the album. Disc 3 is The Elements Mixes, an even more minimalist approach to the album with as few instruments as possible heard. Disc 4 is The Evolution Documentary, which serves as an audio documentary of the recording sessions start-to-finish, hearing between song chatter and discussion. Disc 5 is The Raw Studio Mixes, which present the album with less studio effects. Disc 6 is The Out-Takes, which is different takes of the songs. There is also 2 Blu-rays that includes all of the versions. There's also a coffee-table book, a promotional poster, postcards, and a numbered Citizen of Nutopia ID card.

Super Deluxe edition

First and foremost, I do love John Lennon's solo work. But my initial feeling going into this review was that this was not one of his better albums and therefore it seemed less deserving to receive this kind of a box set treatment over, say Rock 'N' Roll or Double Fantasy. Both Imagine and Plastic Ono Band getting this treatment made sense as those were probably his best solo albums. Mind Games is good, but not as good as others. This box set is a lot and at times it definitely borders on For Fans Only, but having listened a few times, I can say two things: (1) I think the original is a better album than it got credit for, and (2) some of these mixes are definitely better than others to say the least. The Elemental Mix, The Elements Mix and The Raw Studio Mixes are interesting in the experimental "look what we can do with technology", but not in the sense of adding to the story of this album. The Evolution Documentary and The Out-Takes are where this box set came alive for me in terms of showing different versions and dialogue. The packaging is among the best box sets in recent years in terms of photos, writing and trinkets.

Lennon in 1973 (photo by Yoko Ono)

Bottom line: Give it a chance if you're skeptical and appreciate the phenomenal packaging!

For info on Mind Games

4 out of 5 stars

[soumenmb]

Emerging Loan Apps in Gujarat for Urgent Financial Needs 2024: All You Need to Know!

Emerging Loan Apps in Gujarat for Urgent Financial Needs 2024: All You Need to Know! When life throws unexpected expenses your way, a personal loan can be your financial saviour. Gujarat, a vibrant state where opportunities abound, has become more accessible than ever before when it comes to securing a personal loan. Whether you’re planning a wedding, pursuing higher education, or need to cover unforeseen medical bills, a personal loan app in Gujarat can provide the financial flexibility you need. Key Players In The Loan Market: We’ll provide a list and highlight the prominent and emerging loan apps in Gujarat that offer a wide range of loan services. Using this guide, readers will be able to find out where to start their loan search and which institutions are known for providing excellent customer service and competitive rates. PaySense PaySense is an instant loan app in Gujarat that offers instant cash loans online, founded by Sayali Karanjkar and Prashanth Ranganathan. You may check your loan eligibility, submit your KYC credentials, apply for a loan using your devices, and get approval in a few hours. India Lends IndiaLends is a personal loan app in Gujarat that offers low interest personal loans in Gujarat, credit cards, and free credit reports in India. They provide quick personal loans online at the lowest possible interest rates, with loans disbursed within 48 hours. NIRA NIRA is one of the emerging loan apps in Gujarat in India that provides salaried workers with a line of credit. You will be offered a personal loan in the form of a line of credit with a credit limit ranging from 3,000 to 1 lakh. Dhani Dhani, also marketed as the “phone se loan” app, disburses the loan amount to your bank account immediately. Personal loans can be applied for from anywhere, anytime. You can acquire a low interest personal loans in Gujarat for up to ₹15 lakh at an interest rate as low as 12%. KreditBee KreditBee provides an instant loan app in Gujarat to young professionals. You may be eligible for a loan of up to ₹one lakh. The entire loan application and approval process is conducted online. Upon completion of the distribution, the funds are deposited into your bank account immediately. CASHe CASHe is a digital lending company that offers short-term low interest personal loans in Gujarat to salaried individuals for a variety of financial requirements. When applying for a loan, you must offer documents such as salary slips, bank statement, address proof, and your PAN card, which can all be uploaded through their personal loan app in Gujarat. Viva Money Viva Money is revolutionising personal loans in India with its app-based credit line. Due to the no-usage-no-interest feature, users only pay interest on the amount they use. They have deployed their services to emerging fintech states in India, starting with Bengaluru and Gujarat. Why choose VIVA? 1. Instant Approval: Get online approval in 15 minutes with minimal documentation. 2. Borrow in Parts: Borrow any amount up to your approved credit limit, paying interest only on what you use. 3. Save on Interest: Interest is charged solely on the used amount. 4. Flexible Repayments: Choose EMI options for convenient repayments. 5. One-stop Solution: Easily handle credit, repayments, and fund transfers through a user-friendly mobile app. Wrapping Up Emerging loan apps in Gujarat are life saviours during an emergency. No matter what your needs are, you can find a loan application that fits them online. Whether it is for your wedding, dream vacation, home makeover, buying the latest gadget, or a medical emergency, you can use an instant loan app in Gujarat to fund your expenses and repay them at your convenience over the prescribed tenure. Life has surely become easier for a lot of people after the emergence of so many interest free personal loans in Gujarat that make borrowing simple and hassle-free.

[supernaveenrawat]

दोस्त आज हम इस आर्टिकल में आपको बताएँगे कि Dhani Credit Line kay hai? Dhani Credit Line Kaise Use Kare? Dhani Credit Line Benefits क्या हैं,… The post Dhani Credit Line kay hai : Dhani Credit Line Kaise Use Kare | Dhani Credit Line Benefits appeared first on LoanBuy .

[krispyweiss]

Jeff Lynne's ELO at Nationwide Arena, Columbus, Ohio, July 30, 2019

Jeff Lynne's ELO ended the show where the former Electric Light Orchestra's career began to take off, playing a rambunctious version of "Roll Over Beethoven" - replete with its quotations of the composer's famous 5th symphony found on ELO 2 - and wrapping a night full of highlights with one of the brightest of all.

The 21st song - and the only encore - of the evening followed the homestretch of crowd-pleasers that began with the sweeping, classically infused "Wild West Hero;" moved on to perfectly sculpted radio mainstays "Sweet Talkin' Woman" and "Telephone Line;" and capped the main set with the one-two-three punch of "Don't Bring Me Down," "Turn to Stone" and "Mr. Blue Sky," which found Lynne's Beatlesque bonafides on full display as he and his rechristened large band faithfully executed the Out of the Blue triad while adding just enough live-in-concert flourishes to keep them interesting.

Backed by two cellists, a violinist, three guitarists, three keyboard players, two singers and a rhythm section - 12 players in all - Lynne stuck mostly to lead vocals and rhythm guitar, although he did take a couple of solos, notably on "Showdown" and "Beethoven" and ceded a few lines of "Do Ya" to his male backing vocalist, as his own 71-year-old vocal cords no longer have the range they once did.

Lynne never strayed far from his center-stage mic. But when he did take a few steps to have a drink of water or grab a fresh axe from a roadie, he seemed to have a difficult time walking. He was in fine spirits, however, and looked virtually the same as always with dark 'fro and beard framing his ubiquitous dark shades.

Opener Dhani Harrison joined the group to sing father George's part on the Traveling Wilburys' "Handle with Care.” His eerily similar vocals made this number come off much better than when Lynne sung it himself on the band's 2017 Wembley or Bust live LP. Another of many highlights.

The 100-minute show in a packed-full Nationwide Arena featured plenty of eye candy to go with the aural delights.

Five vertical screens separated by thin light banks that shot lasers in to the crowd and shone multi-colored spots on the band showed images of the Wilburys - Lynne, George Harrison, Bob Dylan, Tom Petty and Roy Orbison - during Dhani Harrison's cameo. The ever-changing images also illustrated other songs, with the moon shimmering on water during "Can't Get it Out of My Head," a spinning 45-rpm single for "Rockaria!" and bedroom scenes as Lynne sung about rock-star dreams on "When I Was a Boy," the only track to appear from 2015's Alone in the Universe, the lone studio LP credited to Jeff Lynne's ELO.

There were a couple of clunkers in the form of the Discovery-era dance tracks "Last Train to London" and "Shine a Little Love," which, while well-performed, are just not good tunes. But the fans paid to hear the hits and these were hits so, fans got what they paid for. And besides, Lynne threw the hard-core partisans a bone by opening with "Standin' in the Rain" before "Evil Woman" signaled the beginning of the hit parade.

Harrison's 40-minute set, an admixture of atmospheric, prog-influenced, new wave, was interesting mostly because it was performed by the son of a Beatle who sounds almost exactly like said Beatle. While his performance with his four-piece band was a non-event, his availability for the aforementioned sit-in made the ho-hum warm-up worth the slog.

Grade card: Jeff Lynne's ELO at Nationwide Arena - 7/30/19 - A-

7/31/19

[kenresearchcompany]

India Buy Now Pay Later Market- Industry Outlook, Share, Trends, Size, and Forecast

Buy Now

Growth Drivers of the Buy Now Pay Later Market; Indian Buy Now Pay later market has grown ~14x growth by Gross merchandise value (total value of the loans disbursed to consumers), during FY’19-FY’21. The Average ticket size has shown a ~24x growth in the same period as well.

The contribution of growing markets as merchant partners; E-commerce, and food aggregators provide majority GMV with ~38% of market share in the total GMV of BNPL market in India. Online transactions are prevalent compared to offline PoS transactions, and South zone accounts for majority of the demand for BNPL services.

Majority population age group of India a target segment for BNPL services: 26-35 Years age group is the prime segment of BNPL users, with ~40% of market share of the total Gross Merchandise Value (“GMV”), which is ~16% of the total India population, providing a large target market for BNPL players to capture. 26-35 Years bachelor population in metro cities with recent employment, lack of credit line and frequent E-commerce users in the 18-25 years population in metro cities are the earliest adopters of BNPL services. Thriving E-commerce and convenience offered by BNPL services are primary reasons for users to adopt Pay Later practices.

Competition Scenario among BNPL Players:

The India BNPL market consists of

App-based BNPL players, such as Lazypay, Simpl, Zest money, Cashe

E-Commerce/Travel Aggregators offering BNPL Services such as Amazon Pay Later (Capital Float), Flipkart Pay Later, and Ola Money Postpaid

Card Based BNPL Players such as Postpe, Slice and Dhani Onefreedom Card

M-wallet players offering BNPL services such as Freecharge Pay Later, Paytm Postpaid, and Zip pay Later by Mobikwik

Lazypay leads the BNPL market with ~39% of the total Gross Merchandise Value (“GMV”) followed by players such as Capital Float (Amazon Pay Later) and Zest Money.

Comparative Landscape of India Buy Now Pay Later Market

Low penalty for payment delay, app stability, fast customer issue addressing are among major features commended by customers. Even among niche players, adoption has been driven by ease of on-boarding of new customers. E-commerce BNPL players such as Flipkart Pay Later, and Amazon Pay Later (Capital Float) have shown largest surge in their revenues from FY’19 to FY’21

The total funding for BNPL players has been valued at ~1.6 billion dollars as of CY’21 with Postpe, Slice and Capital Float are the most funded BNPL companies

The report titled “India Buy Now Pay Later Market Outlook to 2026: Cascading growth driven by one-click payment ease, unmatched expediency among lending solutions and free of cost deferment of payments, coupled with rising adoption by Merchant Partners due to increase in Customer Conversion and Sales Value” by Ken Research suggests that the India Buy Now Pay Later market has seen impressive growth rate in the last two years with a CAGR of ~321.1% by GMV, due to increasing adoption of alternative credit line among younger population of India.

Key Segments Covered in India Buy Now Pay Later Market

Indian Buy Now Pay Later Market Size and Segmentation

Analysis of BNPL market as a part of Digital Lending Sector In India

India Buy Now Pay Later Market Size, By GMV, In INR Crores, FY’19-FY’21

Trend Analysis of Average Value per Transaction, In INR, FY’19 to FY’21

Segmentation, By Mode of Payment (Online vs Offline)

Segmentation, By Lending Channels (such as E-commerce retail, Food aggregators, travel aggregators, etc.)

Segmentation, By Geography

Demand Side Analysis of the Buy Now Pay Later Market in India

Consumer Segmentation of the BNPL Space, By Age Group, FY’21

Cross Comparison of Major BNPL Players across major decision making parameters (such as onboarding process, ease of use, brand image, customer ratings, issueas and praise points by customers)

Supply Side Analysis of the Buy Now Pay Later Market in India

Market Share (By Gross Merchandise Value Loaned to customers, in INR), and Average daily Transactions (In INR), of Major Buy Now Pay Later Players in India, FY’21

Revenue Growth Analysis of Major Players in the BNPL Space, By Gross Merchandise Value Loaned to customers, in INR, FY’19-FY’21

Investment Analysis of the BNPL Players (Funding Rounds, total investments from FY’16-FY’21, Investors)

Comparative Assessment, By:

Case Study of Niche BNPL Players

Case Study 1: EPayLater, the leading B2B BNPL Player in India

Case Study 2: SaveIN, a BNPL Player dedicated to healthcare

Outlook and Projections of the BNPL Market in India, FY’22 – FY’26

Future of Lending Channels of BNPL Space in India

Expected Changes in Regulations as proposed by RBI

Market Size of ‘Buy Now Pay Later Market in India’ and Projected Ticket Size, by GMV (INR), FY’22-FY’26

Vintage

Office Location

Number of Employees

Holding Company

USP

Merchant Partners

Lending Partners

Key Target Audience

Scheduled Commercial Banks

Non-Banking Financing Companies

Buy Now Pay Later Companies

E-Commerce Platforms

Payment Gateway Companies

Online Food Aggregator Companies

Online Cab/bus/ flight booking platforms

Online Streaming Services

Healthcare Chains

Time Period Captured in the Report:

Historical Period: FY’16-FY’21

Forecast Period: FY’22-FY’26

Major Buy Now Pay Later Companies in India:

App-based BNPL Players

Platform based (e-commerce, online travel aggregators)

Card based Players

M-wallets offering BNPL Services

Banks offering BNPL Services

Lazypay

Simpl

Zest Money

Kreditbee

Cashe

ePayLater

Capital Float (Amazon Pay Later service provider)

Flipkart Paylater

Ola Money postpaid

Slice

Postpe

Dhani Onefreedom Card

Freecharge Pay Later

Paytm Postpaid

ZipPay later by Mobikwik

Pay Later by ICICI

Request for Sample Report @ https://kenresearch.com/sample-report.php?Frmdetails=NTE1MDY0

Key Topics Covered in the Report

Global E-Commerce and Online Food Delivery Market Snapshot

The Global Buy Now Pay Later Market Overview

Buy Now Pay Later and the Fintech Ecosystem in India

India Digital Lending Sector Snapshot

The Impact of COVID19 in customer behavior

India Buy Now Pay Later Market Ecosystem

Value Chain Analysis of India Buy Now Pay Later Market

Why is the BNPL market picking up traction in India?

Regulatory landscape of BNPL Market

Issues, Challenges and Risks in the Buy Now Pay Later Market in India

SWOT Analysis of the Buy Now Pay Later Market in India

Analysis of BNPL market as a part of Digital Lending Sector In India

India Buy Now Pay Later Market Size, By GMV, In INR Crores, FY’19-FY’21

Trend Analysis of Average Value per Transaction, In INR, FY’19 to FY’21

Segmentation, By Mode of Payment (Online vs Offline)

Segmentation, By Lending Channels (such as E-commerce retail, Food aggregators, travel aggregators, etc.)

Segmentation, By Geography

Consumer Segmentation of the BNPL Space, By Age Group, FY’21

Adoption Rationale of BNPL Services

Cross Comparison of Major BNPL Players across major decision making parameters (such as onboarding process, ease of use, brand image, customer ratings, issueas and praise points by customers)

Market Share (By GMV), and Average daily Transactions, of Major Buy Now Pay Later Players in India, FY21

Revenue Growth Analysis of Major Players in the BNPL Space, FY’19-FY’21

Investment Analysis of the BNPL Players

A look at Investment rounds of Major BNPL Players

Comparative Assessment: Company Overview (Vintage, Office Location, Number of Employees, Holding Company)

Comparative Assessment: USP, Number of Users, Merchant Partners and Lending Partners

Case Study 1: EPayLater, the leading B2B BNPL Player in India

Case Study 2: SaveIN, a BNPL Player dedicated to healthcare

Future of Lending Channels of BNPL Space in India

Expected Changes in Regulation as proposed by RBI

Market Size of Buy Now Pay Later Market in India and Projected Ticket Size, by GMV (INR), FY’22-FY’26

Industry Best Practices

Opportunities in the demand side

Industry Speaks

For more information on the research report, refer to below link:

India Buy Now Pay Later Market Size, Outlook & Trends 2026

Related Reports

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Global Small Business Loan Market Research Report with Opportunities and Strategies to Boost Growth- COVID-19 Impact and Recovery

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India Online Grocery Market: Current Analysis and Forecast (2021-2027)

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[blogtruelifepackersmovers]

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Nowadays loans are required at any time. You can not predict the urgency and time before. In past, there were little options. Standing in Bank line was so boring and time-consuming. But now thanks to technology development, instant loan is available. It is easy, fast, paperless and with minimum documentation. Here you get the comprehensive list of NBFC approved by RBI, who provides best instant personal loan apps in India.

Complete List of Best instant personal loan apps in India

MoneyTap –

Best instant personal loan apps

MoneyTap is among the best instant personal loan apps. Here you pay interest only on the withdrawn amount. MoneyTap has a partnership with leading NBFCs in India. It is one of the top 10 instant personal loan apps.

You can get an instant personal loan online with zero collateral. The interest rates start from as low as 13-24.3% pa for 2 to 36 months of duration by using this app.

The maximum loan amount you can take through this app is 5 Lakh. You download this app and apply online by creating your profile and uploading essential documents. You can check your pre-approved loan amount before applying.

B

enefits

Very low amount as Rs 3000, you can take as a loan

No use no interest

Pay interest on the amount you uses, not on the entire approved amount

Get attractive rewards on Moneytap Credit Card.

Take loans for Marriage Loan, Travel Loan, Laptop Loan, Medical Loan, Education Loan, Used Car Loan, Two Wheeler Loan, Mobile Loan, Home Renovation Loan, Consumer Durable Loan, Debt Repay Loan.

Credy – Best instant personal loan apps

Credy offers fast and hassle-free loan with the paperless process. The maximum loan amount offered by Credy is 1 Lakh.

One drawback of this app is it offers loan in selected cities – Banglore, Chennai, Pune and Hyderabad. The interest rate applicable on loan amount via this app is 1-1.5% per month.

Benefits

Instant approval

Get money within 24 hrs

Interest starts from 1% pm

No hidden charge

Get top-up loans

PaySense –

Best instant personal loan apps

PaySense is best to get an instant personal loan online. It is a partner of IIFL and Fullerton for personal loan disbursal. This app is available on Google Play.

You can install PaySense app and get a personal loan for medical emergencies, marriage expenses, buying a two-wheeler or any other requirements.

The maximum amount of loan permissible by this app is 2 Lakh. The rate of interest rate starts at 16.8% annum. The loan amount and tenure are decided based on your risk profile.

You need to submit KYC documents along with bank statement to get a loan. Generally, it takes 3-5 days to get a loan using this app.

Benefits

Instant Personal Loan from Rs5,000 to Rs50,000/-

Fast loan approval & get money in your account

Collection of documents from your doorstep; just sign & hand over the required documents to the courier

Easy EMI plans with reminders and auto-debit facility so that you don’t miss timely payments

One-time documentation. No further checks required for second-time loan

KreditBee –

Best instant personal loan apps

KreditBee is an Instant Personal Loan Platform for Young Professionals, where they can apply for Salary Advance up to ₹ 1 Lakh as per their requirement. The documentation requirement is very minimal. It is one of the top 10 instant personal loan apps.

Also, the entire process starting from registration to disbursement does not take more than 15 minutes. The application process is completely online. On approval, cash is directly transferred to the bank account of the user.

KrazyBee Services Private Limited is an NBFC registered with RBI and Finnovation Tech Solutions Private Limited which owns the brand KreditBee and forms a part of the same group of companies.

It was started by a group of individuals from prestigious institutions such as IIT, IIM, and NUS among others, to solve the issue of easy credit among young professionals in India.

B

enefits

Get loan starting fromRs1,000/- up to Rs 1,00,000/-

Instant eligibility check

Submit basic details in App

Get money in Bank account

100% online Transfer

Low-interest rate and Processing Fees.

Get Personal Loan, Cash Loan, Online Loan, Instant Loan.

Indiabulls Dhani –

Best instant personal loan apps

Indiabulls Dhani is one of the best personal loan apps in India. It is backed by Indiabulls ventures. You can get unsecured Instant personal loan instantly using this app.

The best part of this app is no physical documentation required and interest rates are very low 11.99%. You can get a personal loan up to 15 Lakh using this app.

The processing fee of loan is 5%. To get a loan using this app, you need to download this app and provide your PAN number and address for verification. After entering the loan amount, you will receive the loan amount in your bank account within minutes.

B

enefits

Loan amount from Rs 1,000/- to Rs 15Lakhs

Take loans for Marriage Loan, Travel Loan, Medical Loan, Used Car Loan, New Car Loan, Two Wheeler Loan, Business Loan, Personal Loan.

Get Business loan starting from Rs10,000 onward, no collateral

MoneyView –

Best instant personal loan apps

MoneyView offers instant and paperless personal loans. You can take a quick and easy loan by using this App. You can avail Loan up to amount Rs.5 Lakh using this app.

It is completely app-based, no physical document required for availing a loan. The annual interest rate varies from 16-24%. The processing fee is in the range of 2.5-4%.

Benefits

Be salaried or self-employed get a loan if your monthly in-hand income is Rs 13,500 or more

Income should come in a bank

Min Cibil score of 650 or Experian score of 750

You should be aged between 21 years and 57 years

PaymeIndia –

Best instant personal loan apps

PayMe is an innovative FinTech app which offers short term loan or quick cash loan to the corporate employees. The primary focus area of this app is to provide quick cash requirement of salaried persons.

PayMe India has developed an exclusive lending platform for corporate partners. It is for Advance Salary of their corporate employees

Employees of any partnered organizations can borrow up to 50% of their net monthly income, payable against the following month’s salary. It is in the Corporate Cash Advance lending programme.

Benefits

Prevent any delay in your important payouts

No delay in payments

Option for Advance Salary

Short Term Loans.

Credit advisory services

The interest rate applicable on loan amount is 2-6% per month.

The maximum loan amount limit through PaymeIndia is 1 Lakh

FlexSalary –

Best instant personal loan apps

FlexSalary is a non-banking finance company (NBFC) registered with the Reserve Bank of India. This is also known as salary advance and instant cash loans app. This app offers loan to salaried people and it is up to 2 Lakh. To apply for a loan via FlexSalary, you need to sign up or log in via social account. After filling up basic data and PAN card detail your application will be submitted for approval. Once your loan is approved you will receive an amount directly in your account.

Benefits

One time signup.Subscription with varying interest features.

Instant Approvals.Instant Eligibility calculation.

Get your cash in minutes.

Pay minimum amount.No fixed EMIs.

No Prepayment Penalty

AnyTime Loan –

Best instant personal loan apps

AnyTime Loan is an RBI approved P2P lending on going platform. It also acts like a personal loan app. This app provides a loan to both salaried as well as self-employed individuals.

AnyTime Loan offers unsecured loans for your personal requirement. The maximum loan amount you can take through this app is 10 Lakh. The annual interest rate varies from 18% to 54%. It is one of the top 10 instant personal loan apps.

Benefits

You can invest your money to the borrower via AnyTime Loan

Can earn money up to ROI 40%

High Liquidity

Fully digital

EarlySalary –

Best instant personal loan apps

EarlySalary is a salary advance and Instant Personal Loan App. You can get a loan ranging from Rs.15000 to Rs.2 Lakh using this app. The interest rate applicable on loan amount is 2-2.5% per month. EarlySalary app provides loan at specific cities. You need to pay 2% processing fee for availing loan by using this app.

Benefits

No credit history required for availing loan using this app.

You can use this app at Amazon, Flipkart and Big Bazaar for easy EMI purchase.

Pay your child’s school fees on EMI. Hassle-free process. No paperwork.

Transfer your EarlySalary credit to Future pay, shop at any Big Bazaar & pay in 3 EMIs at zero extra cost.

You can use your EarlySalary limit to shop on Amazon and pay in zero cost 3 EMIs & affordable 6 EMIs.

Get salary advance up to Rs 2,00,000 starting at just Rs 9/day. Pay only for the no. of days you use the money.

Cash

e –

Best instant personal loan apps

Cashe provides instant short-term personal loans to young professionals. It checks one’s social profile, merit and earning potential using its proprietary algorithm based on artificial intelligence.

CASHe is completely automated and requires no personal intervention and no physical documentation for availing a personal loan. You can avail loan from Rs.5000 to Rs.2 Lakh using this app. The interest rate applicable on loan is 1.5% per month.

B

enefits

Completely digital

Hassle-free process

One time approval for a repeat loan

Loan option from Rs5,000/- to Rs.2,00,000/-

Loan tenure 15,30,90,180 days

[kenresearchcompany]

India Buy Now Pay Later Market - Size, Share, Revenue And Forecast: Ken Research

Buy Now

The report titled “India Buy Now Pay Later Market Outlook to 2026: Cascading Growth driven by one-click payment ease, unmatched expediency among lending solutions and free of cost deferment of payments, coupled with rising adoption by Merchant Payments due to increase in Customer Conversion and Sales Value” provides a comprehensive analysis of the fast-growing Buy Now Pay later market, and the financing ecosystem of such a service in India. The report focuses on the Buy Now Pay later market size, analysis of Global Buy Now Pay Later Space and Indian Digital Lending Sector, while taking a look at how impact of COVID-19 has changed the purchase behavior of Indian Consumers which has led to the rise of this market, what are the major growth drivers of this market and issues, challenges and risks faced by both consumers and Buy Now Pay Later (“BNPL”) companies. The report also focuses on Demand side analysis, including consumer segmentation of Buy Now Pay Later consumers by age group, and Consumer Persona Analysis.

The report deep dives into the current BNPL Companies such as Lazypay,Simpl, Zest Money, Kreditbee, Cashe, ePayLater, Capital Float (Amazon Pay Later service provider), Flipkart Paylater, Ola Money postpaid, Slice, Postpe, Dhani Onefreedom Card, covering the market share of such companies in the BNPL Space in India , By Gross Merchandise Value (“GMV”) loaned to consumers, revenue growth of BNPL companies from FY’19-FY’21, and in-depth study of investments made to these players over the last 5 years, including details of investors, funding rounds and funding amount. A thorough cross-comparative analysis of BNPL companies is included in the report across various parameters such as demand side decision making (onboarding process, customer praise points, customer pain points, brand image, etc), competitive assessment (Unique Selling point, Lending partners, Merchant Partners, Average daily transactions.

The report also includes Case Studies of niche players in the BNPL space such as SaveIN, a healthcare BNPL service provider, and ePayLater, a B2B BNPL service provider, along with interviews from their respective founders to shed some light in these niche spaces in the market.

The report concludes with future outlook for the market along with projections of the BNPL market, along with recommendations on Best practices specific to this market and segment analysis, highlighting major opportunities for growth in this market.

Indian Buy Now Pay Later Market

Indian Buy Now Pay later market grew at a CAGR of ~321 % by Gross merchandise value (total value of the loans disbursed to consumers), during FY’19-FY’21. The Average ticket size has shown a ~24x growth in the same period as well.

India Buy Now Pay later Market Segmentation

E-commerce, and food aggregators provide majority GMV with ~38% of market share in the total GMV of BNPL market in India. Online transactions are prevalent compared to offline PoS transactions, and South zone accounts for majority of the demand for BNPL services.

Demand Side Analysis: 26-35 Years age group is the prime segment of BNPL users, with ~40% of market share of the total Gross Merchandise Value (“GMV”). 26-35 Years bachelor population in metro cities with recent employment, lack of credit line and frequent 18-25 years population E-commerce users in metro cities are the earliest adopters of BNPL services. Thriving E-commerce and convenience offered by BNPL services are primary reasons for users to adopt Pay Later practices.

Competition Scenario among BNPL Players:

The India BNPL market consists of

App-based BNPL players, such as Lazypay, Simpl, Zest money, Cashe

E-Commerce/Travel Aggregators offering BNPL Services such as Amazon Pay Later (Capital Float), Flipkart Pay Later, and Ola Money Postpaid

Card Based BNPL Players such as Postpe, Slice and Dhani Onefreedom Card

M-wallet players offering BNPL services such as Freecharge Pay Later, Paytm Postpaid, and Zip pay Later by Mobikwik

Lazypay leads the BNPL market with ~39% of the total Gross Merchandise Value (“GMV”) followed by players such as Capital Float (Amazon Pay Later) and Zest Money.

Comparative Landscape of India Buy Now Pay Later Market

Low penalty for payment delay, app stability, fast customer issue addressing are among major features commended by customers. Even among niche players, adoption has been driven by ease of on-boarding of new customers.

E-commerce BNPL players such as Flipkart Pay Later, and Amazon Pay Later (Capital Float) have shown largest surge in their revenues from FY’19 to FY’21

The total funding for BNPL players has been valued at ~1.6 billion dollars as of CY’21; Postpe, Slice and Capital Float are the most funded BNPL companies

India Buy now Pay later Market Future Outlook and Projections

The Used Buy Now Pay later Market in India is anticipated to grow with the growing adoption of smart phones and internet penetration, credit demand unfulfilled by credit cards, and convenience offered by BNPL platforms. Over the forecast period FY’22-FY’26, the ‘India Buy Now Pay Later Market’ is further anticipated to showcase an upward trend in terms of Gross Merchandise Value (“GMV”) and average ticket size, much faster than the earlier years, with the market consistently expanding. Expected RBI regulations are expected to make the market more secure for customers as well.

Key Segments Covered in India Buy Now Pay Later Market

Indian Buy Now Pay Later Market Size and Segmentation

Analysis of BNPL market as a part of Digital Lending Sector In India

India Buy Now Pay Later Market Size, By GMV, In INR Crores, FY’19-FY’21

Trend Analysis of Average Value per Transaction, In INR, FY’19 to FY’21

Segmentation, By Mode of Payment (Online vs Offline), In INR Crores, FY’21

Segmentation, By Lending Channels (such as E-commerce retail, Food aggregators, travel aggregators, etc.), In INR Crores, FY’21

Segmentation, By Geography, In INR Crores, FY’21

Demand Side Analysis of the Buy Now Pay Later Market in India

Consumer Segmentation of the BNPL Space, By Age Group, FY’21

Cross Comparison of Major BNPL Players across major decision making parameters (such as onboarding process, ease of use, brand image, customer ratings, issueas and praise points by customers)

Supply Side Analysis of the Buy Now Pay Later Market in India

Market Share (By Gross Merchandise Value Loaned to customers, in INR), and Average daily Transactions (In INR), of Major Buy Now Pay Later Players in India, FY’21

GMV Growth Analysis of Major Players in the BNPL Space, By Gross Merchandise Value Loaned to customers, in INR, FY’19-FY’21

Investment Analysis of the BNPL Players (Funding Rounds, total investments from FY’16-FY’21, Investors)

Comparative Assessment, By:

Case Study of Niche BNPL Players

Case Study 1: EPayLater, the leading B2B BNPL Player in India

Outlook and Projections of the BNPL Market in India, FY’22 – FY’26

Future of Lending Channels of BNPL Space in India

Expected Changes in Regulations as proposed by RBI

Market Size of Buy Now Pay Later Market in India and Projected Ticket Size, by GMV (INR), FY’22-FY’26

Vintage

Office Location

Number of Employees

Holding Company

USP

Merchant Partners

Lending Partners

Request for Sample Report @ https://kenresearch.com/sample-report.php?Frmdetails=NTE1MDY0

Key Target Audience

Scheduled Commercial Banks

Non-Banking Financing Companies

Buy Now Pay Later Companies

E-Commerce Platforms

Payment Gateway Companies

Online Food Aggregator Companies

Online Cab/bus/ flight booking platforms

Online Streaming Services

Healthcare Chains

Time Period Captured in the Report:

Historical Period: FY’16-FY’21

Forecast Period: FY’22-FY’26

Major Buy Now Pay Later Companies in India:

App-based BNPL Players

Platform based (e-commerce, online travel aggregators)

Card based Players

M-wallets offering BNPL Services

Banks offering BNPL Services

Lazypay

Simpl

Zest Money

Kreditbee

Cashe

ePayLater

Capital Float (Amazon Pay Later service provider)

Flipkart Paylater

Ola Money postpaid

Slice

Postpe

Dhani Onefreedom Card

Freecharge Pay Later

Paytm Postpaid

ZipPay later by Mobikwik

Pay Later by ICICI

Key Topics Covered in the Report

Global E-Commerce and Online Food Delivery Market Snapshot

The Global Buy Now Pay Later Market Overview

Buy Now Pay Later and the Fintech Ecosystem in India

India Digital Lending Sector Snapshot

The Impact of COVID19 in customer behavior

India Buy Now Pay Later Market Ecosystem

Value Chain Analysis of India Buy Now Pay Later Market

Why is the BNPL market picking up traction in India?

Regulatory landscape of BNPL Market

Issues, Challenges and Risks in the Buy Now Pay Later Market in India

SWOT Analysis of the Buy Now Pay Later Market in India

Analysis of BNPL market as a part of Digital Lending Sector In India

India Buy Now Pay Later Market Size, By GMV, In INR Crores, FY’19-FY’21

Trend Analysis of Average Value per Transaction, In INR, FY’19 to FY’21

Segmentation, By Mode of Payment (Online vs Offline)

Segmentation, By Lending Channels (such as E-commerce retail, Food aggregators, travel aggregators, etc.)

Segmentation, By Geography

Consumer Segmentation of the BNPL Space, By Age Group, FY’21

Adoption Rationale of BNPL Services

Cross Comparison of Major BNPL Players across major decision making parameters (such as onboarding process, ease of use, brand image, customer ratings, issueas and praise points by customers)

Market Share (By GMV), and Average daily Transactions, of Major Buy Now Pay Later Players in India, FY21

GMV Growth Analysis of Major Players in the BNPL Space, FY’19-FY’21

Investment Analysis of the BNPL Players

A look at Investment rounds of Major BNPL Players

Comparative Assessment: Company Overview (Vintage, Office Location, Number of Employees, Holding Company)

Comparative Assessment: USP, Number of Users, Merchant Partners and Lending Partners

Case Study 1: EPayLater, the leading B2B BNPL Player in India

Case Study 2: SaveIN, a BNPL Player dedicated to healthcare

Future of Lending Channels of BNPL Space in India

Expected Changes in Regulation as proposed by RBI

Market Size of Buy Now Pay Later Market in India and Projected Ticket Size, by GMV (INR), FY’22-FY’26

Industry Best Practices

Opportunities in the demand side

Industry Speaks

For more information on the research report, refer to below link:

India Buy Now Pay Later Market Size & Trends Report 2026

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