PettiCash - Personal Loans

PettiCash is a fast, fully digital personal loan app by BT Finance Pvt Ltd — an RBI-registered NBFC. Whether you are a salaried professional or a self-employed individual, we make getting a personal loan simple, transparent, and stress-free.

⭐ WHY CHOOSE PettiCash?
• Personal loans: Apply online from ₹20,000 to ₹5,00,000 with fast approvals — even with a low CIBIL score
• Flexible repayment: Tenures from 3 to 12 months with easy EMIs
• Interest rates: 20% to 48% per annum with transparent charges
• Maximum APR: 50% per annum (inclusive of interest rate and all applicable fees)
• 100% digital: No paperwork, no branch visits, no collateral required
• Quick disbursal: Money sent directly to your bank account
• Apply anytime, anywhere: 24/7 availability

💰 WHO CAN APPLY?
• Salaried employees with a regular monthly income
• Self-employed individuals and small business owners
• Indian residents aged 18 and above
• Low CIBIL score? We consider your overall profile

🚀 HOW IT WORKS — 4 SIMPLE STEPS
1️⃣ Download & register with your mobile number
2️⃣ Complete quick & secure KYC verification
3️⃣ Choose your loan amount and repayment tenure
4️⃣ Get approved and receive money in your bank account

💡 LOAN EXAMPLE
• Loan: ₹20,000 for 12 months
• Interest rate: 20% per annum
• Processing fee: ₹500 (2.5%) + GST(18%) ₹90
• Total interest: ₹2,232
• EMI: ₹1,853
• APR: 24.89%
• Amount disbursed: ₹19,410
• Total repayment: ₹22,232
• Total cost: ₹2,822 (interest + processing fees + GST)

🔒 SECURITY & COMPLIANCE
• All data encrypted in transit & at rest, stored securely within India
• Fully compliant with RBI Digital Lending Guidelines
• Loans approved & disbursed by BT Finance Pvt Ltd (RBI Registered NBFC, Reg. No. B.05.00238)
• Payments processed only through the app — never to personal accounts
• All collection calls are recorded — zero tolerance for harassment
• No access to contacts or private media

🤝 OUR LENDING PARTNER
All loans are approved and disbursed directly by BT Finance Pvt Ltd, an RBI-registered NBFC (Reg. No. B.05.00238).

Grievance Redressal
Lending Partner: BT Finance Private Limited
Customer Support Email: priya.agrawal@btfinance.in

📞 SUPPORT & CONTACT
• Privacy Policy: https://petticash.in/policies
• Terms & Conditions: https://petticash.in/policies
• Email: support@petticash.in
• Phone: +91 9932502719
• Office: 344, 3rd Floor, Sunny Mart, New Atish Market, Mansarovar, Jaipur-302020

✅ NOTE
• We request permissions like Camera (for KYC selfies), Location (approximate only, for residence verification & fraud prevention) and Device Info (to prevent fraud) only when needed.
• We never access your contacts, messages, or personal media.
• PettiCash is a responsible lending platform. Loans are subject to credit assessment and eligibility. Borrow responsibly within your repayment capacity.