Our customer support number +91-40-4617-5151 will be temporarily down due to scheduled maintenance. Please reach out to us at +91-40-4994-5151 for instant support. We apologize for the inconvenience caused.
Our customer support number +91-40-4617-5151 will be temporarily down due to scheduled maintenance. Please reach out to us at +91-40-4994-5151 for instant support. We apologize for the inconvenience caused.

FlexSalary is an Instant Line of Credit for any emergency needs. Flex Salary allows you to address shortage of funds, without going through the awkwardness of asking friends, family or employers, by leveraging the equity you have in your yet-to-be drawn salary. If you are a business, you can sign-up such that your employees can be pre-approved and use this service whenever required.

FlexSalary Features


Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.

If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).

Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.

The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.

Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at [email protected] for any assistance.

The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.

Interest & Fee Structure
Limit ₹ 8,000 - ₹ 3,00,000
Interest Rate Up to 36.5%
Conditional Interest on Continued Line Usage Up to 21%
Annual Percentage Rate (APR) 49% - 65%
Tenure 36 Months
Processing Fee ₹ 100 - ₹ 3,000
Transaction Fee ₹ 0 - ₹ 12
Late Fee Up to ₹ 150
Auto-Debit Failure Charges ₹ 0.00
Pre - Payment Penalty ₹ 0.00
Payment Example
Approved Loan Amount ₹ 60,000
Processing Fee ₹ 3,000
Tenure (Months) 36
Interest Rate 32.0%
Conditional Interest on Continued Line Usage 18%
Total Transaction Fee ₹ 72
Total Interest & Conditional Interest Charged ₹ 38,501
Annual Percentage Rate (APR) 54.96%
Total Repayment Amount ₹ 1,01,573

FlexPay is an instant credit app that offers personal loans up to Rs. 3 Lakhs to salaried employees and individuals with recurring income. It is an unsecured line of credit product, hence, collateral is not required.

Flexpay Features


Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.

If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).

Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.

The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.

Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at [email protected] for any assistance.

The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.

Instalment Loan Interest & Fee Structure
Limit ₹ 5,300 - ₹ 3,00,000
Interest Rate 34% - 42%
Annual Percentage Rate (APR) 39% - 65%
Tenure 6 - 12 Months
Processing Fee ₹ 100 - ₹ 3000
Transaction Fee ₹ 0.00
Late Fee Up to ₹ 150
Auto Debit Failure Fee ₹ 60.00
Pre - Payment Penalty ₹ 0.00
Instalment Loan Payment Example
Approved Loan Amount ₹ 1,00,000
Processing Fee ₹ 3,000
Interest Rate 39%
Tenure 9
EMI Amount ₹ 12,994
Annual Percentage Rate (APR) 46.94%
Total Interest Paid ₹ 16,942
Total Repayment Amount ₹ 1,16,942
Line of Credit Interest & Fee Structure
Limit ₹ 8,000 - ₹ 3,00,000
Interest Rate Up to 36.5%
Conditional Interest on Continued Line Usage Up to 21%
Annual Percentage Rate (APR) 49% - 65%
Tenure 36 Months
Processing Fee ₹ 100 - ₹ 3,000
Transaction Fee ₹ 0 - ₹ 12
Late Fee Up to ₹ 150
Auto-Debit Failure Charges ₹ 0.00
Pre - Payment Penalty ₹ 0.00
Line of Credit Payment Example
Approved Loan Amount ₹ 60,000
Processing Fee ₹ 3,000
Tenure (Months) 36
Interest Rate 32.0%
Conditional Interest on Continued Line Usage 18%
Total Transaction Fee ₹ 72
Total Interest & Conditional Interest Charged ₹ 38,501
Annual Percentage Rate (APR) 54.96%
Total Repayment Amount ₹ 1,01,573

FlexPay Loan, brought to you by Vivifi India Finance, offers instant loans up to Rs.3, 00,000 within a few minutes to salaried professionals in India. Your one-stop shop for credit where you can get a loan today and repay later in flexible instalments anytime at your convenience.

Flexpayloan Features


Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.

If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).

Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.

The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.

Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at [email protected] for any assistance.

The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.

Interest & Fee Structure
Limit ₹ 5,300 - ₹ 3,00,000
Interest Rate 34% - 42%
Annual Percentage Rate (APR) 39% - 65%
Tenure 6 - 12 Months
Processing Fee ₹ 100 - ₹ 3000
Transaction Fee ₹ 0.00
Late Fee Up to ₹ 150
Auto Debit Failure Fee ₹ 60.00
Pre - Payment Penalty ₹ 0.00
Payment Example
Approved Loan Amount ₹ 1,00,000
Processing Fee ₹ 3,000
Interest Rate 39%
Tenure 9
EMI Amount ₹ 12,994
Annual Percentage Rate (APR) 46.94%
Total Interest Paid ₹ 16,942
Total Repayment Amount ₹ 1,16,942

Udyam Flex Loan specializes in providing fast and tailored loan solutions to MSMEs in India to thrive and scale their businesses, across all sectors. Whether you're a kirana store owner or a mid-enterprise in industries like textiles, manufacturing, or retail, Udyam Flex Loan is here to support your growth journey.

Embark on your entrepreneurial journey with Udyam and access quick loans to kickstart & elevate your business.

Udyam Flex Loan Features


Seize your business opportunities effortlessly and gain access to quick business loans of up to 10L, designed to fuel the growth of your MSME & addressing your immediate capital requirements

If you are approved for a Udyam Flex Loan account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due)

Regardless of your credit history, access hassle-free business loans tailored to your needs and unlock opportunities for your business even with low CIBIL scores.

Experience a 100% digital application process & a seamless access to business loans, making securing funds for your MSME effortless and convenient.

Through transparent financing for MSMEs, Udyam Flex Loan gives you the freedom to settle your business loan early with zero pre-closure charges or hidden fees, empowering you to manage your finances with confidence.

The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.

Interest and Tenure
Annual percentage interest rate (APR) Ranges from 18% to 48%
Tenure Ranges from 6 months to 18 months
Processing Fee 5% of loan amount (Upto ₹ 4,000)
Late Fee ₹ 150 /- per installment if it is unpaid within 3 days of due date
Auto-Debit Failure (Bounce) Fee ₹ 60 /- per instance of auto debit failure
Pre-payment penalty ₹ 0
Payment Example
Approved Loan Amount ₹ 1,00,000
Amount Disbursed ₹ 97,500
Interest Rate 28%
EMI Amount ₹ 9,653.78
Tenure 12 Months
Processing Fee 2.5%
Total Charges (including GST) ₹ 2,500
APR 33%
Total Repayment Amount ₹ 1,15,845.38
Total Interest Paid ₹ 15,845.38