ATD Money Personal Loan App Review: Salaried Logon Ke Liye Ek Bharosemand App
Aaj ke tezi se chalne wale zamane mein kabhi bhi financial emergency aa sakti hai, aur ek bharosemand loan app dhoondhna zaroori hai. ATD Money Personal Loan App, jo ATD Financial Services Pvt Ltd ke dwara chalayi jati hai, ek RBI-registered NBFC hai, aur salaried logon ke liye ek shandaar option hai. Yeh review batata hai ki ATD Money kyun ek quick aur safe loan app hai, iske features, user feedback, aur transparent tareeke ke saath.
ATD Money Kya Hai?
ATD Money ek digital lending platform hai jo salaried logon, khas kar low-salary earners ke liye banaya gaya hai, aur ₹50,000 tak ke personal aur payday loans deta hai. Medical emergency ho, roz ka kharcha, ya sudden paison ki kami, ATD Money 100% digital process ke saath loan deta hai. Yeh app Android (version 6.0 ya upar) pe available hai, aur March 17, 2025 ko launch hone ke baad 1,000 se zyada downloads ho chuke hain.
RBI ke saath registered NBFC (License No. B-12-00315) hone ke naate, ATD Money RBI 2022 Digital Lending Guidelines ko follow karta hai, jo isse transparent aur secure banata hai. Iske headquarters Noida, UP mein hain (C 316, B and C, Sector 10), aur contact ke liye email (info@atdmoney.com) aur helpline (9999589201) hai.
ATD Money Ke Top Features
ATD Money ke features salaried borrowers ke liye kaafi attractive hain:
- Loan Amount: ₹50,000 tak, chhote ya medium needs ke liye perfect.
- Flexible Tenure: Minimum 90 din se maximum 365 din tak, repayment ke liye kaafi time.
- Interest Rates: Roz ka 0.067% ROI, yaani maximum 45.85% APR.
- Fast Disbursal: Purane customers ko 10 minute mein paisa, naye users ko 30 minute mein.
- No Hidden Charges: Documentation aur processing fees 3.5% se 7.5% (18% GST ke alawa), bilkul clear.
- Zero Prepayment Charges: Jaldi repayment pe koi penalty nahi.
- 100% Digital: Koi paperwork nahi, sab online.
- Data Security: 496-bit SSL encryption se user data safe.
Loan ke liye bas chhote se documents chahiye: recent photo, PAN Card, Aadhaar Card, address proof, 6-mahine ka bank statement, aur 3-mahine ki salary slip.
Kaun Apply Kar Sakta Hai?
ATD Money ka loan lene ke liye yeh conditions puri karni hain:
- Indian citizen
- Salaried employee
- Minimum ₹20,000 monthly salary
- Umar 18 saal ya usse zyada
- Valid PAN aur Aadhaar
Yeh rules ensure karte hain ki app stable income wale logon ko loan de.
Loan Ka Example: Saaf Calculation
ATD Money charges ko clearly batata hai. Ek ₹5,000 ke loan ke liye 91 din ke tenure mein:
- Interest: ₹304.85
- Processing + Documentation Fees (3.5% + 3.5%): ₹413 (₹63 GST ke saath)
- Disbursed Amount: ₹4,587
- Total Repayable Amount: ₹5,413
Agar repayment late hui, to penalty lagegi, jo email agreement mein clearly batayi jati hai.
Users Kya Bolte Hain?
ATD Money ko users se kaafi tareef mil rahi hai, jo iski reliability dikhati hai:
- Anuj Mishra (10 April 2025): “ATD Money ne meri mushkil mein madad ki. Process itna fast tha—apply kiya aur usi din paisa mila! Bharosemand app.”
- Divya Singh (10 April 2025): “Achanak paise ki zarurat padi, aur ATD Money ne bacha liya. Jaldi approval aur same day credit!”
- Sangeet Kumar (10 April 2025): “Salaried logon ke liye fast aur clear app. Emergency ke liye perfect.”
- Ishpuneet Singh (11 April 2025): “Kaafi helpful, Aman aur Shreya ne badi patience se madad ki.”
- Subhranil Banerjee (10 April 2025): “ATD kaafi saalon se shandaar hai. Kishan Sahoo extra effort karta hai. Yeh paid review nahi!”
- Atish Birwadkar (10 April 2025): “Best loan app! Instant loan mila, aur Shreya madam ne sab clear kiya. Thank you, ATD Money.”
Users ko fast disbursal, helpful staff, aur transparent process pasand hai. Koi negative review nahi mila, jo iski credibility dikhata hai.
ATD Money Kyun Chunein?
ATD Money kai wajah se alag hai:
- RBI Compliant: Strict rules follow karta hai, bharosa deta hai.
- Speed: Emergency ke liye jaldi approval aur paisa.
- Transparency: Saaf terms, koi chhupa charge nahi.
- Support: Aman, Shreya, aur Kishan jaise staff jaldi help karte hain.
- Security: Data ko encryption se protect karta hai.
- No Collateral: Sirf e-mandate chahiye, koi cheque nahi.
30,000 se zyada mini-loans de chuka hai, yeh app salaried logon ke liye solid hai.
Kaise Apply Karein?
Loan lena aasaan hai:
- Play Store se ATD Money App download karo.
- Sign up aur profile banao.
- Documents upload karo.
- Application submit karo, 3 minute mein approval status milega.
- E-sign agreement karo.
- 10–30 minute mein paisa bank account mein.
Kya Behtar Ho Sakta Hai?
ATD Money kaafi achha hai, par yeh cheezein improve ho sakti hain:
- Aage jaake non-salaried logon ke liye loans.
- Low-risk customers ke liye fees kam karna.
- Zyaada languages mein support.
Final Baat: Ek Safe Aur Fast App
ATD Money Personal Loan App salaried Indians ke liye ek bharosemand, RBI-compliant app hai. Iska transparent pricing, jaldi disbursal, aur secure platform isse emergencies ya roz ke kharchon ke liye perfect banata hai. User reviews iski efficiency aur supportive team ki tareef karte hain. Agar aapka monthly salary ₹20,000 ya usse zyada hai, to ATD Money aapke liye ek solid option hai.
