MobiKwik: BHIM UPI & Wallet

Developer Description

<b>About MobiKwik</b><br><br>MobiKwik is a payment app offering bill payments, loans up to ₹2,00,000, and investments in FDs, P2P lending, mutual funds, and digital gold. You can also experience the power of Pocket UPI on MobiKwik, where UPI transactions don’t require a bank account. With Pocket UPI, enjoy enhanced security, higher transaction limits, and unmatched convenience for your digital payments.<br><br><b>Pocket UPI</b><br>- No Bank Account Required: Perform UPI transactions safely without linking a bank account.<br>- Higher Transaction &amp; Wallet Limits: Load up to ₹2 lakhs in your wallet and transact up to ₹1 lakh per day.<br>- Flexible Payments: Pay to any QR code, UPI ID, or mobile number.<br>- Multiple Top-Up Options: Load your wallet through UPI, debit card, or credit card.<br>- No PIN Required: On-device biometric security (Fingerprint/Face ID) for quick, secure payments.<br>- Streamlined Interface: Keep Pocket UPI transactions separate from bank statements for better tracking.<br>- Budget Management: Assign a set amount for spending to manage personal or family budgets.<br><br><b>Free Credit Score</b><br>-Check your credit score for free every month.<br>-Get immediate access to your credit score for detailed insights.<br>-Reliable and accurate credit data sourced from CRIF.<br><br><b>UPI Payments</b><br>- Secure UPI Setup: Create a fast and secure UPI handle in-app.<br>- Universal Compatibility: Send/receive money via BHIM UPI, phone numbers, or direct bank account transfers.<br>- RuPay Credit Card Integration: Link and use your RuPay credit card to pay via UPI.<br>- Scan &amp; Pay: Make payments at supermarkets, restaurants, pharmacies, and petrol pumps using the MobiKwik Wallet UPI handle.<br>- Trusted Brand Payments: Pay securely at Reliance Fresh, Croma, Apollo Pharmacy, and more.<br><br><b>EPFO Balance Checker</b><br>Access your provident fund details and track employer contributions using your registered phone number.<br><br><b>Track Bank Balance</b><br>Safely track multiple bank accounts with LENS. Download statements and analyze spending with smart spend insights.<br><br><b>Fixed Deposits</b><br>- Earn up to 9.5% Returns: Invest with Unity Small Finance Bank, Suryoday Small Finance Bank, Mahindra Finance, and more.<br>- Special Rates: Senior citizens receive an additional 0.5% interest, and females get an extra 0.1%.<br><br><b>Xtra</b><br>P2P investment platform in partnership with RBI-approved NBFC Transactree Technologies Private Limited (“Lendbox”) <br>- Earn upto 10-14% p.a.<br>- Start investing with ₹10000<br>- Payout to Bank accounts<br>- No account opening or withdrawal fees<br><br><b>ZIP EMI</b><br>- Get funds/loans up to ₹500,000 for online shopping &amp; pay back in monthly instalments.<br>- Interest rates starting from 0.8% per month with a tenure of 3-26 months.<br>Lending partners (NBFC): Transactree Technologies Pvt. Ltd. (Lendbox), Hero FinCorp Limited, SMFG India Credit Co. Ltd.<br>Lending partners (Bank): IDFC First Bank Limited<br><br><b>Sample EMI Calculation:</b><br>Loan Amount: ₹50,000<br>Interest rate (APR): 16% p.a.<br>Tenure: 12 months<br>EMI: ₹4,537<br>Total interest paid: ₹4,444<br>Processing Fees (2%): ₹1,000<br>Disbursed Amount: ₹49,000 (Principal Amount - P.F.)<br>Total Cost of Loan: ₹55,444<br><br><b>Online Recharge &amp; Bill Payment</b><br>-Mobile Recharge: Quick recharge for Airtel, VI, Jio, BSNL, and more.<br>-DTH Recharge: Recharge Tata Sky, Airtel TV, Dish TV, and more.<br>-Bill Payment: Pay for electricity, water, broadband, LPG, FASTag, property tax, etc., covering 300+ billers.<br>-Credit Card Payments: Settle HDFC, ICICI, SBI, Amex, and other card bills with instant processing and reminders.<br>-Money Transfer: Send money instantly via IMPS, UPI, wallet, or credit card.<br><br><b>Contact Us</b><br>One MobiKwik Systems Limited (www.mobikwik.com/help)<br>Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road, Sector-53, Gurugram, Haryana 122003, India<br>080-69808686 (Mon to Sat, 9:00 am to 8:00 pm)