Loan Center – FAQ’s
Loan Center FAQ’s :-
1. Loan Center kya hai?
Ans :- Priye Adhikari ji, aapko batana chahenge ki yah ek service hai.. jiske through aap apne customers ke liye loan apply kar sakte hai ( Grahak Loan ).
Note :- Pahle “Grahak Loan” Tile ke through SMA apne Grahak ke liye Loan apply kar sakte the.. Ab Grahak loan apply karne liye “Loan Center” Tile ka use karna hoga.
2. Loan center ke kya fayde hai?
Ans :- Adhikari ji, jo aap grahak ke liye loan apply karte hai.. Us loan status aur loan ki sabhi details aap Loan Center Dashboard se check kar sakte hai
3. Loan Center kin SMA ke paas show hoga |
Ans :- Loan center ki tile sabhi SMA ki id ke liye active hai.
4. Loan Center ki service use karne ke liye koi charge lagega ya nhi
Ans :- “Nahi”, is service ko use karne ke liye SMA ko koi bhi charge pay nhi karna padta hai
5. Loan Center ki tile par click karke SMA apna loan apply kar sakta hai ya nhi
Ans :- Loan center ki tile par SMA sirf apne customers ka hi loan aaply kar sakta hai.
Note :- Agar SMA apna loan apply karna chahta hai to SMA Spice money par show ho rahi adhikari loan ki tile ka use karega.
6. Loan center ke through Grahak Loan apply karne par, SMA ko kitna commission milega?
Ans :- Total loan ke disbursment amount par 1% ka commission SMA ko milta hai
7. Loan ka commission aane me kitna time lagta hai
Ans :- Customer ke account me amount disburse hone ke baad, 15 Days ke andar SMA ko commission mil jata hai.
8. Loan Center main kitne partner’s ke saath spice money kaam kar raha hai
Ans :- 1. Cashe
2. Prefr
3. Kreditbee
9. Loan apply karte hue minimum 25000 ka amount show ho raha hai.. kya issse kam ka loan nahi mil sakta?
Ans :- Adhikari ji, Ye amount sirf eligibility check karne ke liye fill kia jata hai.. Eligibilty check karne ke baad aapko offer show ho jayege.. Waha par aap apne according Loan Amount, Tenure select karke loan le sakte hai.
10. Apply now ki jagah “Send link to Grahak” ka option show ho raha hai.
Ans :- Adhikari ji, apko is partner se loan lene ke liye “Send link to Grahak” par click karna hoga. Apke grahak ke paas ek link jayega.. us link ke through aapke Grahak ko apne phone se loan apply karna hoga.
11. Agar Grahak ke paas android phone nahi hain toh Grahak kaise apne phone se loan apply karega?
Ans:- Adhikari ji, Is Partner se loan lene ke liye.. Grahak ko apne hi phone se apply karna hoga.. Grahak apne kisi family member ke phone se apply kar sakta hai.. ya fir aap kisi dusre partner ke through loan apply kar lijiye.
12. Kya credit score check karne par, incentive milta hai?
Ans- Nhi….. SMA ko koi incanive nhi milta hai
14. Kitne din me loan amount account me aa jayega?
Ans : Adhikari ji, Is pure process me 4-5 working days ka time lagta hai.
15. Credit score check karne ka amount kitna hai ?
Ans : Adhikari ji, Credit Score check karne main abhi koi charge nhi hai….. Aap free of cost custmer ka cibil score check karke customer ko loan provide kara sakte hai….
16. Foreclosure charges kya hoge, Kya Part Payment kar sakta hu, Kitni EMI aur pending hai?
Ans : Adhikari ji, Aapko adhik jaankari ke liye Loan Partner ke customer care team ko contact karna hoga.
Customer care Details of Cashe:
Customer Care details of Prefer:
Customer care details of Kreditbee:
17. Error :- No Lender Found & You are not eligible for a loan |
Ans. Priye Adhiakri ji aapko batana chahenge ki aapne jis cusotmer ke liye loan apply kiya hai… wo abhi loan lene ke liye eligible nhi hai aapse request hai ki aap in customer ka loan 30 days baad fir se try kar sakte hai.
18. Error :- Customer not found |
Ans. Yah error ab resolve ho gya hai agar fir bhi yah error kisi SMA ko aata hai to puchhna hai ki aaj hi check kara hai SMA ne
If SMA ne aaj hi try kara hai to SMA id and issue apne TL ko highlight karna hai
20. Error :- Digilocker KYC Error |
Ans. Loan apply karte time agar kisi SMA ne digilocker ki journey select kari hai to Garhak ko digilocker se hi journey ko complete karna hoga.
21. Error :- Loan center ki tile par click karne ke baad page blank ho raha hai |
Ans. Priye Adhikari ji aapse request hai ki kripya proper internet connection ke saath retry karen
If SMA ne kar liya hai fir bhi same issue aa raha hai to SMA id and issue apne TL ko highlight karna hai
22. Error :- Agar Grahak ne Cibil score check karne ke liye OTP enter kara lekin koi next page open nhi ho raha hai |
Ans. Priye Adhikari ji aapse request hai ki kripya proper internet connection ke saath customer se retry karen
Agar Customer ne kar liya hai fir bhi same issue aa raha hai to SMA id customer number ke saath Supervisor ko highlight karna hai
23. Error :- Face Livelines check reachmax limit. Try after sometime |
Ans. Jab SMA Cashe ki journey me live selfie lete time baar baar selfie lene ka try kar leta hai to yah error SMA ko show karta hai.
Script :- Priye Adhikari ji baar baar selfie lene ke karan aapko yah error show ho raha hai aapse request karna chahenge ki kripya 2 se 3 hours ke baad again try karen fir yah issue aapko dobara nhi ayega.
24. Error :- Kreditbee se loan lene ke liye jab send link to grahak option par click kar rahe hai to send link to grahak ke option par click nhi ho raha hai |
Ans. Priye adhikari ji, apko batana chahenge ki send link to grahak ka option 2 to 3 minutes me activate hota hai agar 2 to 3 minutes me option work nhi karta hai to jis customer ka aap loan aaply kar rahe hai wo kreditbee ke loan criteria main nhi aa rahe hai aapse request hai ki aap in customer ka loan other partner jo show ho rahe hai unke through kar sakte hai like :- Cashe & Prefr
Note :- Agar SMA ke paas apply karne ke liye kreditbee hi show kar raha hai aur send link to grahak ka option work nhi kar raha hai to SMA loan apply nhi kar payenge SMA ko 30 days ke baad customer ka loan retry karne ko guide karen |
25. Error :- Insufficient Fund |
Ans. Yah error tab aata hai jab SMA ne loan apply kar diya hai lekin uske baad bhi SMA again usi loan ko apply karne ya loan ka process again follow karte hai.
Action on call :-
Agent ko grahak ke mobile number ke last ke 6 digits ( jis number se loan apply kara hai ) Loan Status sheet check karni hai
Sheet location :- FTP
FTP Link :- ftp://192.168.248.70/
FTP me sabse pahla folder hai jiska name @@@Loan Status sheet
Agar Grahak ke mobile number ke last ke 6 digits ke aage disbursed lika hai
SMA ka loan amount uske account me disburse ho gya hai
Agar Grahak ke mobile number ke last ke 6 digits ke aage pending lika hai
SMA ka laon application pending hai SMA ko 4 to 5 working days ka wait karne ke liye guide karna hai
Agar Grahak ke mobile number ke last ke 6 digits ke aage Reject lika hai
SMA ka laon application reject ho gya hai to SMA ko 30 days baad again apply karne ke liye guide karna hai
26. Loan center ya kisi partner ke through loan apply karne ke liye kitna Cibil Score Chahiye hota hai |
Ans. Loan Center ke through loan apply karne ke liye 700 se jyada ka Cibil score hona chahiye
27. Loan center tile main kis partner ka loan grahak ke mobile main link ke through hota hai
Ans. Kreditbee & Cashe
28. Cibil score check karne par amount extra deduct ho gya hai |
Ans. Priye Adhikari ji, Aapse request hai ki aap is week end tak ka wait kijiye… Apka jitna extra amount deduct hua hai wo apko wallet me refund ho jayega
Tagging :-
Outcome :- Query > Loan Center
Sub Outcome :- Amount deduction Multiple times for checking cibil score of same cust.
29. TAT Over ho gya but amount credit nhi hua hai |
Ans. Agent ko grahak ke mobile number ke last ke 6 digits ( jis number se loan apply kara hai ) Loan Status sheet check karni hai
Sheet location :- FTP
FTP Link :- ftp://192.168.248.70/
FTP me sabse pahla folder hai jiska name @@@Loan Status sheet
Agar Grahak ke mobile number ke last ke 6 digits ke aage disbursed lika hai
SMA ka loan amount uske account me disburse ho gya hai
Agar Grahak ke mobile number ke last ke 6 digits ke aage Reject lika hai
SMA ka laon application reject ho gya hai to SMA ko 30 days baad again apply karne ke liye guide karna hai
30. SMA janna chahta hai ki customer ke liye loan kaise apply kar sakte hai |
Ans. Need some probing :- Priye adhikari ji janna chahnge ki kis loan provider se aap customer ka loan apply kar rahe hai |
Loan partner ko jaane ke baad KB me se dekh ka loan ki poori journey SMA ko bataye.
31. Free of rupees null
Ans. Priye Adhikari ji, apko batana chahenge ki yah error aapko proper network connection nhi hone ke karan show ho raha hai aapse request hai ki proper network connection ke saath again retry karen
32. UPI ID kab mandatory hoti hai
Ans. Priye Adhikari ji, apko batana chahenge ki Only Cashe ke through aaply karne me UPI ID mandotry hoti hai kyuki UPI id ke through ki Cashe ka loan amount account me disburse hota hai.
Note :- Prefr aur Kreditbee main loan apply karne me UPI ID ki need nhi hoti hai |
33. Agar Adhikari apna khud ka Cibil Score check karna chahta hai |
Ans. Adhikari Apna Cibil Score Loan center ki tile par check kar sakta hai… lekin apna loan apply karne ke liye adhikari ko Adhikari loan ki tile ka use karna hoga |
34. Agar Customer janna chahta hai ki usne loan main kitna amount abhi usko pay karna hai yah ya fir kitni EMI pending hai ya kitni EMI SMA ne pay kar di hai |
Ans. Adhikari ji, Aapse request hai ki apne customer ko guide karen ki jis loan ke liye customer ne apply kara tha us cusotmer care par contact karna hoga
Note:- Agar SMA ko error aa rha hai jahan par customer ka single name hai – “fill the second name” or second name daalne ke baad error aata hai fill first name to kya karna hai ?
Ans. SMA ko guide karein ki First name dono jagah enter kare.
35. Cashe, Prefr, or Kreditbee ki EMI ki payment kaise ho sakti hai |
Ans.
Cashe :- Customer Bank account auto debit/ Self option through cashe app
Prefr :- Customer Bank account
Kreditbee :- Customer ko Kreditbee ka link download karne ke baad kreditbee app ke through self payment karni hogi.
36. Arthmate loan ki NOC kaise milegi |
Ans. SMA ko mail hamari customercare@spicemoney.com par mail karne ke liye guide karna hai……. Mail customer care par aa jaane ke baad CC team mail ko credit team ko share kar degi or department wise TAT SMA ke saath share kar degi aur SMA ko guide karenge ki aap bhi usi mail par same mail share dijiye kyuki NOC partner end se hi release hoti h.
37. SMA ko loan apply karte time “Lead Not Found” ka error aa raha hai.
Ans. SMA jis customer ya fir apna khus ka loan apply karne ki try kar rahe hai cibil score thik nhi hone ke karan loan apply nhi ho sakyta hai 60 days baad again retry karen.