About BNPL Services
Full name of BNPL is Buy now Pay Later. It implies that you can buy certain goods/services on credit right now and can pay back later on a agreed upon period usually 15 days / 30 days. It also allows you to extend the duration of credit facility on a interest rate. Usually they also charge penalties on late payments. Their are many BNPL apps like Simpl, Rupifi , Amazon pay , Flipkart paylater, Amazon Paylater, Paytm Postpaid etc.
What is BNPL ?
Buy now pay later ki madad se aap koi bhi samaan turant le sakte h jiske paise aapko kuch time baad dene hote hai isko aap ek udhar ke jaise samaj sakte hai jisme aapko emi me paise ko dena hota h bnpl me aapko fayda ye milta hai ki isme aapko koi extra charges pay nhi karne hote hai ye aapko zero intrest rate par loan provide karta hai bnpl credit card se alag hai kyonki credit me aapki cibil record aur previous loan history bhi dekhi jati hai lekin bnpl services me aapko itna sab nahi krna hota h iske rules itne tough nahi h ye aapko starting me kam limit provide karte h lekin jaise jaise aap apna record accha karte jate h timely emi dete jate h ye aapko acche - acche offers provide karte hai
BNPL me interest rates aur cibil score kya hota hai ?
bnpl aapko without intrest rate par loan deta hai isme ye aapke cibil record ko nahi dekhta hai aur na hi aapko apne koi documents ki details deni hoti jaise aadhar,pan aisi koi details aapko nahi deni hoti hai aapko kewal apna mobile number se bnpl apps ko download karke sign-up karna hota hai loan ko apply karne ke liye ye aapko ek limit provide karta jisme aap kuch bhi buy kar sakte hai iske liye aapko alag se koi charge nahi dena hota hai
BNPL Apps konse hai ?
Play store par aapko bahut se bnpl app mil jate hai jo aapko ye services provide karte hai jaise simpl, PostPe , Paytm Postpaid , Lazypay , Flipkart PayLater , Amazon Pay , Freecharge Paylater , aur bhi bahut se jo aap play store se download karke use kar sakte hai aur sign-up karne ke baad inko use kar sakte hai aapko bnpl apps related videos aur articles bhi hamare youtube channel aur website par mil jayge jisme aapko poora process mil jayga ki kaise aap loan ke liye apply kar sakte hai
Number of BNPL users in India ?
Currently 22.24 million users use Buy now pay later (BNPL) apps in India. It is an extremely fast-growing industry and the users are increasing at a very fast pace regularly.
What are risks associated with BNPL apps ?
BNPL services make you a habitual debt user. If you get used to buying on credit then
se aap samaan kharidte to hai lekin ye aapko ek aisi aadat laga deta hai jisme aapke pass paise nhi hone par bhi aap loan le lete hai aur uske baad iski emi pay karte time aapko paise dene hote hai aur agar aap apni emi late kar dete hai to ye aapse intrest laga kar jyda paise lete hai alag alag hidden fees lete hai jisse aap bahut muskil me aa jate hai bnpl aapko udhaar ki jindagi ke jaise bana deta hai jisme aap faste hi chale jate hai
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