Freedm

Freedm is your smart personal finance companion designed by FTIPL PAYMENTS AND MARKETING TECH PRIVATE LIMITED to help you pay bills on time, track your money, save more, and make better financial decisions — all in one simple app.

Whether it’s daily expenses, utility bills, credit cards, loans, or savings, Freedm brings clarity and control to your finances using secure data insights and AI-powered nudges.

🔹 What you can do with Freedm:

Smart Bill Payments
- Pay electricity, gas, water, broadband, mobile, FASTag & more
- Get bill reminders so you never miss a due date
- Track past payments in one place

Credit Cards & Loans – Simplified
- Monitor credit card spending & repayments
- Get alerts to avoid late fees and interest
- Discover smarter repayment and credit-building options

Understand Your Money
- See where your money goes each month
- Get clear summaries of spending patterns
- Identify areas where you can save instantly

Save More with Smart Nudges
- Actionable savings tips based on your real usage
- Alerts on unnecessary charges and missed opportunities
- Suggestions to reduce interest and recurring costs

Secure & Trusted
- Bank-grade security
- Your data is encrypted and never shared without consent
- Built with compliance and privacy at the core

🔹 Loan Information & Disclosures (India)

Freedm does not provide loans directly. The app facilitates access to personal loan products offered by RBI-registered Non-Banking Financial Company (NBFC) partners, including Epimoney Private Limited (FlexiLoans).

Lending Partner:
Loans are facilitated through RBI-registered NBFC partner(s), including Epimoney Private Limited (FlexiLoans) - Legal Name: Epimoney Private Limited

Representative Loan Details
- Loan amount: ₹1,00,000 – ₹25,00,000
- Repayment tenure: Upto 42 months
- Annual Percentage Rate (APR): From 16% per annum upto 27% per annum

Example:
A loan of ₹5,00,000 for a tenure of 24 months at an APR of 20% may result in a total repayment of approximately ₹6,12,000, inclusive of applicable interest and fees.

Actual loan terms, interest rates, tenure, and charges may vary based on the lending partner’s policies and the borrower’s eligibility.


Freedm acts only as a facilitation platform. Final loan approval, disbursal, and repayment are handled solely by the respective NBFC.

🔹 Why Freedm?

Freedm doesn’t just show numbers — it guides you to better financial actions. From paying bills on time to improving your credit health and saving money effortlessly, Freedm works quietly in the background to keep you financially fit.

👉 Take control of your money. Experience financial freedom with Freedm.