For the credit facility, Amazon Finance (India) Private Limited acts as the Lending Service Provider in partnership with CapFloat Financial Services Private Limited (brand name axio) an NBFC registered with the Reserve Bank of India. Customers can apply for the credit facility through the amazon.in. app which acts as Digital Loan Application.

Sachet portal, is the State Level Coordination Committee (‘SLCC’) initiative that allows customers to lodge compliant . The SLCC is the joint forum formed in all States to facilitate information sharing among the Regulators viz. RBI,SEBI,IRDA,NHB, PFRDA, Registrar of Companies (RoCs) etc. and Enforcement Agencies of the States viz Home Department, Finance Department, Law Department, Economic Offences Wing (EOW) etc., with the objective to control the incidents of unauthorized acceptance of deposits by unscrupulous entities.

Name: Vikas Bansal

Designation: Director, Amazon Finance India Private Limited

Address: 8th Floor, Brigade Gateway, #26/1, Dr. Rajkumar Road, Bangalore- 560055, Karnataka

Telephone/Mobile: 1800-1200-1571

Email ID:

Grievance Redressal Officer details – Grievance Redressal Officer details

axio Customer Service In case of any queries please write to “ask@axio.co.in” or reach out at 080-68075001 Amazon customer service Please reach out to amazon.in customer service from amazon.in app.

axio Privacy Policy:https://3.108.30.254/privacy-policy/ Amazon Finance (India) Privacy Policy : https://www.amazon.in/gp/help/customer/display.html?nodeId=202136010

You will continue to see and track all the details related to your transactions, available limits, and existing dues in the Amazon Pay Later dashboard

axio is the brand name of CapFloat Financial Services Private Limited which is a registered Non-Banking Financial Corporation (NBFC) with the Reserve Bank of India (RBI). The NBFC’s name will reflect in your credit reports.

axio is the brand name of CapFloat Financial Services Private Limited which is a registered Non-Banking Financial Corporation (NBFC) with the Reserve Bank of India (RBI) which will reflect in your credit reports.

CapFloat Financial Services Pvt Ltd is the legal name of the Non-Banking Financial Corporation (NBFC) registered with the Reserve Bank of India (RBI) and is known as “axio”

You can keep track of your Amazon Pay Later account history on the Amazon Pay Later dashboard on the axio app. This dashboard will include the following information & features:

1.Your approved limit, utilized limit & available limit.

2.Your Amazon Pay Later account status. Reasons why your account maybe blocked.

3.Payment Due dates and amounts.

4.Transaction History with order ID, EMI plans, and amount payable.

5.Repayments history with mode, date, and outstanding amounts.

6.Option to make manual repayments for installment amount and total outstanding amount.

7.Option to set up auto repayment functionality.

Customer Service You can reach axio Customer Service from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

In order to cancel your Amazon Pay Later account, you’ll have to ensure that all the outstanding dues are cleared. We will be able to process account cancellation requests, only if there are no outstanding dues. If all the dues are clear, please call our customer service team (details mentioned below) to request account cancellation.

If your account is blocked due to payments not being paid on time, please complete the pending payments. We will re-assess your profile and reinstate your account on successful receipt of the overdue payment. If it is blocked due to the expiry of the KYC, we will provide details of the process to complete the Full KYC and extend the validity. If it’s blocked due to a breach of axio’s or Amzon’s policies, we will re-evaluate your profile on a periodic basis and notify you about the reinstatement of your account.

Your Amazon Pay Later account can be blocked due to one or more of the following reasons:

• Your KYC has expired

• You have overdue payments or your repayment was posted 30 days past the due date

• Due to internal Amazon policies

• Due to internal axio policies

• Due to a breach of Amazon Pay Later terms and conditions.

It is very important to pay your EMI on time in order to avoid late payment charges, maintain a good credit rating, prevent suspension of the Amazon Pay Later facility, avoid further actions on your Amazon account and any legal action. Please maintain an adequate balance in your bank account around the repayment date. Not paying your EMI on time could result in a negative impact on your CIBIL score and all other bureau scores.

No, repayments have to be made according to the schedule.

In such a case, we will notify you through email and/or SMS about repayment rejection from the bank and details on how to manually complete the payment to avoid any late payment fees/penalties.

If you miss your payments on the due date, we request you to manually pay them as soon as possible. Late fee charges as per the below grid might be applicable if dues are not repaid by the due date (5th of the month):

For all purchases made via Amazon Pay Later between the first and last day of the month, the bill will be generated at the end of the month and the EMI will be due on the 5th of next month. Example: For all purchases made in July the EMI will be payable on the 5th of August.

Auto-repayment setup is a one-time setup that can be done: (i) at the time of registration (optional); (ii) during the first purchase using Amazon Pay Later, or (iii) from Amazon Pay Later dashboard.

There is no interest cost applied for buy now, pay next month’s usage. However, while choosing to pay by EMIs (3-12 months) there might be interest costs attached.

The details about the interest cost payable will be communicated to you on the payment page while choosing the EMI plan.

• Possible reasons for the decline/rejection of your Amazon Pay Later registration:
  • You did not accept the final loan agreement post generation of credit facility offer under Amazon Pay Later.
  • You are currently not eligible to avail Amazon Pay Later as per the relevant and applicable terms and conditions and/or internal policies of axio.
  • Your KYC document verification failed.

In such cases, you can restart the Amazon Pay Later registration process from the Amazon Pay Dashboard, on your Amazon.in mobile app/mobile browser once you have stable internet connectivity. You will be able to start from the last step where you got disconnected.

PAN number is mandatory for completing Know Your Customer (KYC) checks. If you don’t have a PAN, you will not be able to complete the registration and hence not be able to avail Amazon Pay Later.

Go to the Amazon Pay Later registration page on your Amazon.in mobile App and follow simple on-screen instructions.

Step 1: Complete your KYC

You will be shown one of the below four modes of KYC completion:

• Existing KYC (shown only in case you have completed KYC for Amazon Pay Balance).

• OTP Based eKYC

• OTP-based offline Aadhar KYC or DigiLocker KYC

• Existing customer with axio

• KYC as received from CKYCR under CERSAI

Step 2: Accept Terms

Your approved value of Amazon Pay Later credit facility will be displayed on this screen along with the loan agreement. Please read and accept the agreement to complete Amazon Pay Later registration. This sanctioned credit facility will become active within a few minutes of completing the registration.

In such cases, you can restart the Tata Pay Later registration process from the Tata Digital/merchants’ app/website once you have stable internet connectivity. You will be able to start from the last step where you got disconnected.

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axio Pay Later is offered to you by CapFloat Financial Services Private Limited in association with Karur Vysya Bank as its co-lending financial partner. CapFloat Financial Services Private Limited is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. It is listed in RBI’s list of NBFCs and is permitted to lend money to retail customers, and small and medium businesses. CapFloat Financial Services Private Limited operates in accordance with the legal framework and regulations prescribed by the RBI.

For the credit facility axio Pay Later, Razorpay Software Pvt. Ltd  &  Juspay Technologies Pvt. Ltd  acts as the Lending Service Provider and services the users through axio application which acts as a Digital Loan Application, in partnership with CapFloat Financial Services Private Limited (axio) which is an NBFC registered with the Reserve Bank of India.

Grievance Redressal Officer details – Grievance Redressal Officer details

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Mr. Arvind Subramaniam – Grievance Redressal officer of Razorpay Designation – Data Privacy Head Address – SJR Cyber Laskar, Hosur Rd, Adugodi, Bengaluru, Karnataka 560030 Contact – 1800 123 1272 Mr. Parthiban Duraisamy – Grievance Redressal officer of Juspay Juspay Technologies Private Limited  

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https://docs.juspay.in/resources/docs/common-resources/support–contact

https://razorpay.com/docs/payments/dashboard/support/#:~:text=Chat%20with%20Us,-This%20feature%20is&text=chat%20with%20us%3A-,Log%20into%20the%20Razorpay%20Dashboard.,chatting%2

axio Customer Service :

In case of any queries please write to “ask@axio.co.in” or reach out at 080-68-75001

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Axio’s Privacy Policy: https://3.108.30.254/privacy-policy/ Razorpay’s Privacy policy : https://razorpay.com/privacy/ Juspay Privacy policy : https://juspay.in/hypercredit/privacy All the Razorpay data is hosted and stored in AWS Mumbai Zone. Razorrpay adheres to RBI’s Data Localization rules.

Axio Pay Later is offered in partnership with axio (CapFloat Financial Services Pvt Ltd). CapFloat Financial Services Pvt Ltd (axio) is a Non Banking Financial Corporation (NBFC) and is a regulated entity under Reserve Bank of India (RBI) operating in accordance with the legal framework and regulations as prescribed.

Credit facility offered can either be fully funded (100%) by axio or it can be co-funded by both axio and KVB (Karur Vysya Bank Ltd.) in 20:80 split respectively. If so, the user’s bureau report will reflect the approved amazon pay later credit facility under CapFloat Financial Services Pvt Ltd (axio) and Karur Vysya Bank Ltd in 20:80 split in the same ratio respectively. This is at axio’s discretion.

Sachet portal is the State Level Coordination Committee (‘SLCC’) initiative that allows customers to lodge complaints. The SLCC is the joint forum formed in all States to facilitate information sharing among the Regulators viz. RBI, SEBI, IRDA, NHB, PFRDA, Registrar of Companies (RoCs) etc. and Enforcement Agencies of the States viz Home Department, Finance Department, Law Department, Economic Offences Wing (EOW) etc., with the objective to control the incidents of unauthorized acceptance of deposits by unscrupulous entities.

You can place the cancellation request by clicking on this link and submitting the relevant details.

For any queries related to axio Pay Later, you can reach out to our partner’s customer care portal or axio’s customer service: Call us at 1860 419 0999 or email us at ask@axio.co.in

Yes, you can place a request to resume.

Yes, you can pause/stop standing instructions to auto-debit your account. Doing so will put the mandate presentations temporarily on hold. If you decide to not use the facility for some time, you can put it on hold. You can resume the mandate later without any extra charges.

No, it is subject to clearing of dues and other policies. The Acceptance/Rejection status notification will be sent to you via SMS.

In the future, if you want to use the facility, the mandate needs to be registered again.

The cancellation will be permanent.

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Mandate cancellation means cancelling the existing mandate linked to the loan account. Once cancelled, we will not be able to process any auto-debit from the borrower’s respective bank account. All further dues need to be paid manually, any delay of which may lead to late payment fees and penalties charged to the borrower, and an adverse impact on the borrower’s CIBIL score.

To cancel your axio Pay Later account, you’ll have to ensure that all the outstanding dues are cleared. Only if there are no outstanding dues, we will be able to process account cancellation requests. If all the dues are clear, please call our customer service team to request account cancellation.

If your account is blocked due to payments not paid on time, please complete the pending payments. If the repayment is overdue for less than 30 days, your account will be unblocked automatically once we receive the payment confirmation. If the payment is made after 30 days of the due date, we will reassess your profile and take the decision on reinstatement. If it is blocked due to expiry of KYC, we will provide details of the process to complete Full KYC and extend validity. If its blocked due to partner’s policies, you need to wait for profile re-evaluation (which happens periodically). We will notify you about the reinstatement of your account.

Your Pay Later account could be blocked due to multiple reasons, such as:

● Your KYC has expired

● You have overdue payments (your repayment was more than 30 days delayed from the due date)

● Due to internal partner website policies

● Due to our partner’s internal policies

There is no Pay Later specific cancellation fee in case you cancel the booking using this limit. However, the standard cancellation fees relevant to the merchant may still apply.

There is a cooling period of 30 days during which cancellations are refunded. Post this period, we will not be able to refund your amounts. In case you have not paid even a single installment for the product, then on cancelling we will credit your EMI limit with the total order value. If you’ve already made a payment towards EMI repayments, we will credit the paid amount back to your bank account/debit card, along with reinstating your Pay Later limit as mentioned above. This amount should be reflected in your bank account within 3-5 business days. We may reach out to you via Email /SMS /Call in case further details are required to process the refund.

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Yes. Just like any other booking on the partner website, you can cancel or request cancellation any time before availing the service.

To keep it very convenient for you, we club monthly instalments across all your bookings with axio Pay Later into one total EMI amount. This amount will be due on the due date and will be deducted from your bank account/debit card basis the auto-repayment setup you chose.

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A fixed deposit is one of the most popular ways of saving money in India. It is a safe investment that offers good returns and is easy to open. You invest a lump sum money in a fixed deposit scheme at an agreed interest rate and then receive your investment amount alongwith the interest on maturity of the scheme. The rates of a fixed deposit are fixed, higher than your regular svings account and the investment is safe from any market fluctuations.

FDs are one of the safest ways to invest and grow your money. Unlike market-led investments where returns fluctuate over time, the returns for your fixed deposit are fixed when you open an investment. Even if the FD scheme interest rates change over time, your FD will continue to grow at the rate you booked the scheme.

Deposit Insurance and Credit Guarantee Corporation (DICGC) is a wholly-owned subsidiary of the Reserve Bank of India (RBI). It provides deposit insurance that works as a protection cover for bank deposit holders when the bank fails to pay its depositors.The agency insures all kinds of deposit accounts of a bank, such as savings, current, recurring, and fixed deposits up to a limit of Rs. 5 lakh per account holder per bank. All your FDs booked with a bank (and not NBFCs) will thus be insured upto INR 5 lakh.

Fixed deposits are offered by banks, NBFCs and India Post Office. The FDs you book with NBFCs like Shriram Transport Finance Company Ltd are also known as Corporate FDs and tend to offer higher interest rates.

“As per Section 451(c) of the RBI Act, Non-Banking Financial Corporation (also called as NBFC) is a company that carries the business of a financial institution without a full banking license. The functions of the NBFCs are managed by both the Ministry of Corporate Affairs and the Reserve Bank of India.NBFCs offer a variety of services like savings & investment plans, lending schemes, insursance, etc. They also offer fixed deposits for customers to invest in.”

We have a wide range of fixed deposit schemes where you can start investing from as low as INR 5000. We have fixed deposit offerings which you can

No it is not. But we recommend to add nominee against your Fixed deposit.

Yes, in that case Guardian details are mandatory to be captured.

Any individual be it the family member, relative, friend or anyone any other person whom the account you trust can be added as a nominee.

Yes. But currently this service is only available with few of our partner banks. You will be able to see an add / change nominee option on the dashboard page once your FD is successfully booked.

The bank provides a computer-generated statement that acts as a proof of ownership or investment when you open a FD. This document is the FD Advice.

As of now we do not have a solution where you can file for non deduction of TDS. Some banks allow filling of forms 15G/ 15H. However, as of now we not have the functionality. The TDS is only deducted if the total interest from all sources with bank exceeds Rs 40000 for a normal citizen and Rs 50000 for a senior citizen.

Interest earnings from your fixed deposit are taxed as per your tax slab. For e.g. if you are in a 20% tax bracket and you made a 6%1 year FD of Rs 1 lac. Your total interest for the year is Rs 6000. The tax that you will have to pay while filing will be 20% of 6000 = Rs 1200

Does axio read my personal messages and OTPs?

Grievance Redressal Officer details – Grievance Redressal Officer details

axio is a one-stop solution for all your financial needs. You can use the axio app for all banks and cards. axio can automatically present you information on all your spends, bills, and tickets, helping you make sense of where your money goes. You can also split expenses with friends.

To pause your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

To know how to pause your e-NACH Mandate watch this video

Kindly Note: Requests will be processed only after verifying details such as loan tenure, outstanding dues, and other relevant information.

To cancel your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

Alternatively, you can submit your mandate cancellation or pause request using this link.

To know how to cancel your e-NACH Mandate watch this video

Kindly Note: The request for cancellation will be processed after verifying your loan payment status or if another e-NACH mandate is registered successfully.

To make changes to your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail: ask@axio.co.in

To know how to make changes to your registered e-NACH Mandate watch this video

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Setting up auto-repayment for your axio Personal Loan is mandatory and takes place during the loan approval process. Alternatively, the customer also can reach out to our customer service at 080-68075001 or Mail: ask@axio.co.in to set up a mandate.

To know how set up auto-repayment for your axio Personal Loan account watch this video

To pause your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

To know how to pause your e-NACH Mandate watch this video

Kindly Note: Requests will be processed only after verifying details such as loan tenure, outstanding dues, and other relevant information.

To cancel your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

Alternatively, you can submit your mandate cancellation or pause request using this link.

To know how to cancel your e-NACH Mandate watch this video

Kindly Note: The request for cancellation will be processed after verifying your loan payment status or if another e-NACH mandate is registered successfully.

To make changes to your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail: ask@axio.co.in

To know how to make changes to your e-NACH Mandate watch this video

Setting up auto-repayment for your Tata Pay Later account can be done easily in two ways:

(i) During the registration process

(ii) Customers can set up their mandate from the Tata Pay Later dashboard.

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To know how to set up auto-repayment (e-NACH Mandate) for your Tata Pay Later account watch this video

To pause your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

To know how to pause your e-NACH Mandate watch this video

Kindly Note: Requests will be processed only after verifying details such as loan tenure, outstanding dues, and other relevant information.

To cancel your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

Alternatively, you can submit your mandate cancellation or pause request using this link.

To know how to cancel your e-NACH Mandate watch this video

Kindly Note: The request for cancellation will be processed after verifying your loan payment status or if another e-NACH mandate is registered successfully.

To pause your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in Kindly Note: Requests will be processed only after verifying details such as loan tenure, outstanding dues, and other relevant information.

To know how to pause your e-NACH Mandate watch this video

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To cancel your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail :ask@axio.co.in

Alternatively, you can submit your mandate cancellation or pause request using this link.

To know how to cancel your e-NACH Mandate watch this video

Kindly Note: The request for cancellation will be processed after verifying your loan payment status or if another e-NACH mandate is registered successfully.

To make changes to your registered e-NACH mandate, please contact our customer service team from 9.00 am to 9.00 pm on all days at: Call: 080-68075001 Mail: ask@axio.co.in

To know how to make changes to your e-NACH Mandate watch this video

Setting up auto-repayment for your axio Personal Loan is mandatory and takes place during the loan approval process. Alternatively, the customer also can reach out to our customer service at 080-68075001 or Mail: ask@axio.co.in to set up a mandate.

To know how to set up auto-repayment for your axio Personal Loan watch this video

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Yes part prepayment is allowed after a lock-in of 12 months from first EMI due date. Post the lock-in period, a customer can make part prepayment up to a maximum of 20% of the Principal outstanding. Part prepayment is only allowed once every 6 months post the lock-in period.

Pre-closure charges of 4.0% + GST @ 18% of outstanding principal apply up to the 12th EMI from the loan start date. Zero pre-closure charges after that.

axio Personal Loan is a completely digital and hassle-free way to apply for a personal loan where the loan amount offered ranges from ₹30,000 to ₹4,00,000.In order to avail a personal loan from axio, the user must have used one of axio’s products (Amazon Pay Later, axio Pay Later). For the user to be eligible they need to have a verified mobile number, a valid permanent account number (PAN) card (used to fetch credit bureau records from relevant entities) and do the KYC process (which is done either through user’s details available on CERSAI portal or through OTP based Aadhaar oKYC via UIDAI/Digilocker). The user must be at least 23 years of age and not above 58 years of age. The user must be a resident of India. Further eligibility is decided based on information already available with the user’s history with our existing products, credit bureau history, income estimation model and KYC details. Based on these and a host of other factors, axio, will decide the approved Personal Loan amount for the user. During the journey, the user has to agree to the terms and conditions, sanction of the loan.Based on the eligibility criteria, axio will conduct field investigations for certain users, prior to the disbursal of the loan in order to verify the address entered by the user. For such users, loans will be disbursed only if the field investigation report is positive.When a user avails a loan, the following items are deducted before disbursing the loan amount into their bank account.

1.Pre EMI – Interest is charged to the user from the date of loan booking till the date of first EMI start date, This is deducted from the loan amount at the time of loan booking.

2.Processing Fee – A fee of up to 4% plus GST of the loan amount is charged to the user as processing fee at the time of loan booking. This is deducted before disbursal.

The user is expected to set up an auto-debit facility either via Net Banking or Debit Card before the loan can be disbursed to their bank account. The users are required to keep enough balance in their bank account on which the auto-debit facility is set up so that they can pay the EMIs in a hassle free manner. Additionally, the user also gets a link via an SMS, which they can use to pay the EMIs manually. In order to pre-close the loan, the user has to reach out to the customer care through the email: myloans@axio.co.in. The users will be charged 0% pre closure charges at the time of pre-closure. In case of missed on time repayments, late fee (details present in KFS and sanction letter) is levied by axio

CapFloat Financial Services Private Limited (axio) is a Non Banking Financial Corporation (NBFC) and is a regulated entity under Reserve bank of India (RBI) operating in accordance with the legal framework and regulations as prescribed. Personal loan offered is fully funded (100%) by axio or it can be co-funded by both axio and Aditya Birla Finance Limited in 20:80 split respectively or it can be full funded (100%) by Vivriti Capital Limited.

For personal loan axio Digital acts as a Digital Loan Application, in partnership with CapFloat Financial Services Pvt Ltd (axio) which is a NBFC registered with Reserve Bank of India.

The loan start date can be either 2nd or 5th (as mentioned in the loan documents) of the following month from the date of disbursal . The pro-rata interest from the date of disbursal till the 2nd or 5th of the next month is calculated as pre-EMI.

The Processing Fee (PF) includes the charges involved in facilitating the application process end-to-end. A standard PF of up to 4% plus GST of the loan amount is levied

Yes, you may be asked to sign the loan agreement.

When our field executive meets you for KYC pick-up, please ensure you have the following original documents:

• PAN card
• Proof of Address.

The field executive will verify your communication address and may request your signature on the NACH form.

A copy of the loan agreement can be downloaded before agreement acceptance via OTP. You will receive a copy of the same via SMS at the time of disbursement of the loan.

No signature on the physical agreement is needed. Acceptance of the agreement will be validated via clickwrap acceptance of T&C.

No additional fee is charged for setting up auto repayment. It is free of cost.

Automatic payments are necessary to help you avoid late payments on your installments. Our protocols ensure that we never see your password as it is encrypted. We do not store your login and password credentials and will not have access to your account.

KYC stands for “Know Your Customer”. It is a process by which financial institutions obtain information about the identity and address of the customers. This process helps to ensure that the services offered are not misused. Financial institutions are required to complete the KYC procedure while processing loan applications and also periodically update the same.

The data from your bank statements are referred to while underwriting your application. Post the assessment, the best loan offer is presented to you at the next stage of the application process.

1. PAN card (original)
2. Aadhar details
3. Proof of current address

If you’ve successfully completed the application, you will receive the amount within 10 mins. However this is dependent on internal eligibility criteria. axio will conduct field investigations for certain users, prior to the disbursal of the loan in order to verify the address entered by the user. For such users, loans will be disbursed only if the field investigation report is positive.

No, there are no pre-closure charges but a customer can pre-close the loan only after 6 months from first EMI due date.

Yes part prepayment is allowed after a lock-in of 6 months from first EMI due date. Post the lock-in period, a customer can make part prepayment up to a maximum of 20% of the Principal outstanding. Part prepayment is only allowed once every 6 months post the lock-in period.

To raise a pre-closure or part prepayment request, please reach out to our customer support team on the below credentials:Phone number – 08068075001Email id – ask@axio.co.in

The loan amount offered ranges between Rs.30,000 and Rs. 4 lakhs

Yes, you can make due/overdue EMI payments to axio executives via Google Pay, Paytm, or any other UPI app. The executive will show an axio verified QR code that you can scan to make the payment. In case of cash collection, you will receive an e-receipt immediately which is OTP based. For online collection, we send secured payment links exclusively through SMS or WhatsApp messages from our secure handles, and not from private mobile numbers.

If you have any queries, please feel free to contact us at 080-6807 5001 or via email at ask@axio.co.in

Do not make any payments to axio executives during the loan application process. If you have any uncertainties, please contact us immediately at 080-6807 5001 or send us an email at ask@axio.co.in

axio field executives are solely responsible for verifying the accuracy of the information you provide in your loan application. They do not collect any money from you during the verification process. If any field executive requests money from you, please notify us immediately by contacting our customer support at 080-6807 5001 or emailing us at ask@axio.co.in

Our website, www.axio.co.in, is both authentic and secure. As proof of our legitimacy, we are registered as a Non-Banking Financial Company (NBFC) with the Reserve Bank of India. If you have any uncertainties or inquiries, please do not hesitate to contact us at 080-6807 5001 or by emailing us at ask@axio.co.in

axio does not provide immediate loans following the foreclosure of an existing personal loan. Instead, you will need to adhere to the new loan procedures, which involve submitting a new set of documents and meeting specific criteria before a fresh loan can be disbursed. Please be cautious of fraudulent individuals who may urge you to foreclose a loan to obtain a higher loan amount instantly. Such people are attempting to steal your hard-earned money, and you should avoid falling into such traps or scams.If you require assistance with foreclosing your loan or have any other inquiries about your loan, please contact us at 080-6807 5001 or email us at ask@axio.co.in

Under no circumstances should you pay upfront to obtain a loan. This is a fraudulent tactic used by scammers to defraud you. axio does not require any upfront payment for personal loans, so please exercise caution if you receive any calls or messages claiming to be from axio and requesting payment in advance. If you have any doubts or concerns, please do not hesitate to contact us at 080-6807 5001 or email us at ask@axio.co.in