Happy Loan – TAT
| S.No. | Issue/Request | Brief Resolution Process | FPR | TAT for L1 Escalation |
| 1 | Issuance of NOC | Once the loan will be completed, NOC will be issued to the customer. | 30 Days | |
| 2 | Loan pre closure Request | Once Pre closure initiated by Happy, The cumulative outstanding amount for these loans will be available in the next day payment advice | 5 working days | |
| 3 | Issuance of NOC with Bureau update | Spicemoney team will raise a request for Bureau update on support@happyness.net ID. Happy team will get the bureau update done for that case. | 30 – 45 Days (For Bureau update) | |
| 4 | Loan statement | 5 Days | ||
| 5 | EDI deducted without disbursement – Reversal of EDIs debited + Re-Disbursement | 5 Working days | ||
| 6 | Wrong Disbursement (Short/Excess) | 3 to 5 Working Days | ||
| 7 | Repayment not updated | 2 to 3 Working Days | ||
| 8 | Reversal of extra interest deducted in case of repayment API failure | 4 to 5 Working Days | ||
| Loan Status | ||||
| 10 | In-KYC | Customer KYC checked the same day | 24 hours | |
| 11 | KYC on hold | Customer KYC checked the same day | Within 48 hours | |
| 12 | KYC Verified | Sent to lender after KYC check process | Within 48 hours | |
| 13 | Post KYC check | If Ok then sent to lender else moved to Re-kyc for submitting the docs | Within 72 hours | |
| 14 | Disbursement in process | Lender approved and will be disbursed | Within 48 hours |