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BharatPe is your one stop financial app designed to meet all your financial needs. From lightning fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat (Powered by Unity Small Finance Bank and Approved by NPCI)
1. Instant Transfers Send money to anyone via contact, UPI ID, or bank account.
2. Scan and Pay Conveniently scan and pay without any tap.
3. UPI Autopay Automate your bills, recharges, EMIs, and subscriptions effortlessly.
4. Pinless Payments Enjoy hassle free UPI payments up to 500 with UPI Lite.
5. Super Safe Robust security measures to keep your payments and data secure.
6. BharatPe Shield Stay protected with free fraud protection on all your transactions T&C Apply.
7. Earn Rewards Make every transaction rewarding with BharatPe UPI Enjoy guaranteed Zillion Coins on every payment T&C Apply.
8. Balance Check Instantly see your account balances without complex passwords.

BharatPe Bill Payments
1. Recharges Pay all your bills easily for Mobile, DTH, Fastag.
2. Utility Bills Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
3. Credit Card Bills Easily pay your credit card bills online.

BharatPe Commerce
1. Order Food Order delicious food from nearby restaurants through ONDC.

BharatPe Instant Cash Loan
1. High Amounts Access instant cash loans up to 15 lakh.
2. Flexible Repayment Choose repayment options that suit your convenience.
3. Document Free Loans No collateral or guarantor required.
4. Trusted Partners Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited.

Repayment Terms
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate APR
Ranges from 18 to 70 percent. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash
Amount chosen by user 100000
Tenure 12 months
Interest Rate 18 percent per year reducing
Processing fees 2.5 percent
Repayment Amount 111196
Total Interest Payable 11196
Processing Fees including GST 2500
Monthly installment EMI 9266.32
Total Cost of the Loan Interest Amount plus Processing Fees equals 2500 plus 11196 equals 13695
APR 24.8 percent

Example of Bill to EMI conversion
Amount converted into EMI 100000
Tenure 6 months
Interest Rate APR 18 percent per year
Repayment Amount 109000
Total Interest Payable 9000
Processing Fees including GST 0
Monthly installment EMI 18166.67
Total Cost of the Loan Interest Amount plus Processing Fees equals 9000 plus 0 equals 9000

Permissions
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding send and receive SMS from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited.

NBFC Partners
We have partnered with RBI approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited Truebalance as DSA partners to offer loans.

Contact Us
customer.support@bharatpe.com

BharatPe (previously postpe) is your one stop financial app designed to meet all your financial needs. From lightning fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat (Powered by Unity Small Finance Bank and Approved by NPCI)
1. Instant Transfers Send money to anyone via contact, UPI ID, or bank account.
2. Scan and Pay Conveniently scan and pay without any tap.
3. UPI Autopay Automate your bills, recharges, EMIs, and subscriptions effortlessly.
4. Pinless Payments Enjoy hassle free UPI payments up to 500 with UPI Lite.
5. Super Safe Robust security measures to keep your payments and data secure.
6. BharatPe Shield Stay protected with free fraud protection on all your transactions T&C Apply.
7. Earn Rewards Make every transaction rewarding with BharatPe UPI Enjoy guaranteed Zillion Coins on every payment T&C Apply.
8. Balance Check Instantly see your account balances without complex passwords.

BharatPe Bill Payments
1. Recharges Pay all your bills easily for Mobile, DTH, Fastag.
2. Utility Bills Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
3. Credit Card Bills Easily pay your credit card bills online.

BharatPe Commerce
1. Order Food Order delicious food from nearby restaurants through ONDC.

BharatPe Instant Cash Loan
1. High Amounts Access instant cash loans up to 15 lakh.
2. Flexible Repayment Choose repayment options that suit your convenience.
3. Document Free Loans No collateral or guarantor required.
4. Trusted Partners Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited.

Repayment Terms
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate APR
Ranges from 18 to 70 percent. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash
Amount chosen by user 100000
Tenure 12 months
Interest Rate 18 percent per year reducing
Processing fees 2.5 percent
Repayment Amount 111196
Total Interest Payable 11196
Processing Fees including GST 2500
Monthly installment EMI 9266.32
Total Cost of the Loan Interest Amount plus Processing Fees equals 2500 plus 11196 equals 13695
APR 24.8 percent

Example of Bill to EMI conversion
Amount converted into EMI 100000
Tenure 6 months
Interest Rate APR 18 percent per year
Repayment Amount 109000
Total Interest Payable 9000
Processing Fees including GST 0
Monthly installment EMI 18166.67
Total Cost of the Loan Interest Amount plus Processing Fees equals 9000 plus 0 equals 9000

Permissions
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding send and receive SMS from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe (previously postpe)
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited.

NBFC Partners
We have partnered with RBI approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited Truebalance as DSA partners to offer loans.

Contact Us
customer.support@bharatpe.com

BharatPe (previously postpe) is your one stop financial app designed to meet all your financial needs. From lightning fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat (Powered by Unity Small Finance Bank and Approved by NPCI)
1. Instant Transfers Send money to anyone via contact, UPI ID, or bank account.
2. Scan and Pay Conveniently scan and pay without any tap.
3. UPI Autopay Automate your bills, recharges, EMIs, and subscriptions effortlessly.
4. Pinless Payments Enjoy hassle free UPI payments up to 500 with UPI Lite.
5. Super Safe Robust security measures to keep your payments and data secure.
6. BharatPe Shield Stay protected with free fraud protection on all your transactions T&C Apply.
7. Earn Rewards Make every transaction rewarding with BharatPe UPI Enjoy guaranteed Zillion Coins on every payment T&C Apply.
8. Balance Check Instantly see your account balances without complex passwords.

BharatPe Bill Payments
1. Recharges Pay all your bills easily for Mobile, DTH, Fastag.
2. Utility Bills Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
3. Credit Card Bills Easily pay your credit card bills online.

BharatPe Commerce
1. Order Food Order delicious food from nearby restaurants through ONDC.

BharatPe Instant Cash Loan
1. High Amounts Access instant cash loans up to 15 lakh.
2. Flexible Repayment Choose repayment options that suit your convenience.
3. Document Free Loans No collateral or guarantor required.
4. Trusted Partners Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited.

Repayment Terms
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate APR
Ranges from 18 to 70 percent. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash
Amount chosen by user 100000
Tenure 12 months
Interest Rate 18 percent per year reducing
Processing fees 2.5 percent
Repayment Amount 111196
Total Interest Payable 11196
Processing Fees including GST 2500
Monthly installment EMI 9266.32
Total Cost of the Loan Interest Amount plus Processing Fees equals 2500 plus 11196 equals 13695
APR 24.8 percent

Example of Bill to EMI conversion
Amount converted into EMI 100000
Tenure 6 months
Interest Rate APR 18 percent per year
Repayment Amount 109000
Total Interest Payable 9000
Processing Fees including GST 0
Monthly installment EMI 18166.67
Total Cost of the Loan Interest Amount plus Processing Fees equals 9000 plus 0 equals 9000

Permissions
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding send and receive SMS from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe (previously postpe)
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited.

NBFC Partners
We have partnered with RBI approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited Truebalance as DSA partners to offer loans.

Contact Us
customer.support@bharatpe.com

BharatPe (previously postpe) is your one stop financial app designed to meet all your financial needs. From lightning fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat (Powered by Unity Small Finance Bank and Approved by NPCI)
1. Instant Transfers Send money to anyone via contact, UPI ID, or bank account.
2. Scan and Pay Conveniently scan and pay without any tap.
3. UPI Autopay Automate your bills, recharges, EMIs, and subscriptions effortlessly.
4. Pinless Payments Enjoy hassle free UPI payments up to 500 with UPI Lite.
5. Super Safe Robust security measures to keep your payments and data secure.
6. BharatPe Shield Stay protected with free fraud protection on all your transactions T&C Apply.
7. Earn Rewards Make every transaction rewarding with BharatPe UPI Enjoy guaranteed Zillion Coins on every payment T&C Apply.
8. Balance Check Instantly see your account balances without complex passwords.

BharatPe Bill Payments
1. Recharges Pay all your bills easily for Mobile, DTH, Fastag.
2. Utility Bills Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
3. Credit Card Bills Easily pay your credit card bills online.

BharatPe Commerce
1. Order Food Order delicious food from nearby restaurants through ONDC.

BharatPe Instant Cash Loan
1. High Amounts Access instant cash loans up to 15 lakh.
2. Flexible Repayment Choose repayment options that suit your convenience.
3. Document Free Loans No collateral or guarantor required.
4. Trusted Partners Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited.

Repayment Terms
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate APR
Ranges from 18 to 70 percent. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash
Amount chosen by user 100000
Tenure 12 months
Interest Rate 18 percent per year reducing
Processing fees 2.5 percent
Repayment Amount 111196
Total Interest Payable 11196
Processing Fees including GST 2500
Monthly installment EMI 9266.32
Total Cost of the Loan Interest Amount plus Processing Fees equals 2500 plus 11196 equals 13695
APR 24.8 percent

Example of Bill to EMI conversion
Amount converted into EMI 100000
Tenure 6 months
Interest Rate APR 18 percent per year
Repayment Amount 109000
Total Interest Payable 9000
Processing Fees including GST 0
Monthly installment EMI 18166.67
Total Cost of the Loan Interest Amount plus Processing Fees equals 9000 plus 0 equals 9000

Permissions
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding send and receive SMS from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe (previously postpe)
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited.

NBFC Partners
We have partnered with RBI approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited Truebalance as DSA partners to offer loans.

Contact Us
customer.support@bharatpe.com

BharatPe (previously postpe) is your one-stop financial app designed to meet all your financial needs. From convenient bill payments without any fees to quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered. Download the BharatPe app. BharatPe UPI is coming soon on iOS.

BharatPe Bill Payments:
Recharges: Pay all your bills easily for Mobile, DTH, Fastag.
Utility Bills: Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
Credit Card Bills: Easily pay your credit card bills online.

BharatPe Commerce:
Special Discounts: Get exclusive discounts on gift vouchers from top brands.

BharatPe Instant Cash Loan:
High Amounts: Access instant cash loans up to ₹15 lakh.
Flexible Repayment: Choose repayment options that suit your convenience.
Document Free Loans: No collateral or guarantor required.
Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance, Cashe, and True Credit.

Repayment Terms:
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate (APR):
Ranges from 18%-70%. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash:

Amount chosen by user: ₹1,00,000
Tenure: 12 months
Interest Rate: 18% per year (reducing)
Processing fees: 2.5%
Repayment Amount: ₹1,11,196
Total Interest Payable: ₹11,196
Processing Fees (incl. GST): ₹2,500
Monthly installment (EMI): ₹9,266.32
Total Cost of the Loan: Interest Amount + Processing Fees = ₹2,500 + ₹11,196 = ₹13,695
APR: 24.8%
Example of Bill to EMI conversion:

Amount converted into EMI: ₹1,00,000
Tenure: 6 months
Interest Rate (APR): 18% per year
Repayment Amount: ₹1,09,000
Total Interest Payable: ₹9,000
Processing Fees (incl. GST): ₹0
Monthly installment (EMI): ₹18,166.67
Total Cost of the Loan: Interest Amount + Processing Fees = ₹9,000 + ₹0 = ₹9,000

Permissions:
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding (send and receive SMS) from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe (previously postpe):
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited. BharatPe is our developer name.

NBFC Partners:
We have partnered with RBI-approved NBFCs such as LendenClub (Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd, and LiquiLoans (NDX P2P Private Limited). Additionally, we collaborate with L&T Finance Consumer Loans, Bhanix Finance and Investment Limited (Cashe), and True Credits Private Limited (Truebalance) as DSA partners to offer loans.

Contact Us:
Email: customersupport@bharatpe.com

get up to 10 lacs in just 60 seconds with postpe and live life to the max! enjoy 30 days of interest free credit, scan and pay on all BharatPe QRs and get up to 3 lacs of instant cash loan with postpe cash.

don’t pay, postpe!

* scan and pay: scan any BharatPe QR codes to pay using your postpe credit limit
* send money: transfer your postpe credit limit directly to your bank account
* postpe cash: get instant cash of up to 3 lacs in your bank account & repay with easy EMIs for up to 15 months
* cashbacks and rewards
* convert your bill to easy EMIs
* one bill, multiple transactions - postpe aggregates all your transactions and generates one bill

How to use postpe?

Download the postpe app
Sign up using phone number
Complete your KYC
Start transacting with postpe

When do I have to repay?

* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card or net banking.

EMI calculation:
postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months

Repayment Terms:
Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.
postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months

Annual Percentage Rate (APR):
Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.

Example of postpe cash:
* Amount chosen by user: Rs. 1,00,000
* Tenure: 12 months
* Interest Rate : 18% per year (reducing)
* Processing fees: 2.5%
* Repayment Amount: Rs. 1,11,196
* Total Interest Payable: Rs. 11,196
* Processing Fees (incl. GST): Rs. 2500
* Monthly installment (EMI): Rs. 9266.32
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695
* APR : 24.8%

An example of Bill to EMI conversion:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 18% per year
* Repayment Amount: Rs. 1,09,000
* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,166.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000

Permissions:
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize payments. We also take permissions like Location and Contacts to provide additional data points that enable our partners to underwrite you better. You can check the Privacy Policy for details - https://postpe.app/privacy.html

NBFC partners:
postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Liquiloans(NDX P2P Private Limited). postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.


Please note that postpe is the brand name of the application launched by Resilient Innovations Private Limited (BharatPe). BharatPe is our developer name.

Contact Us:
Reach out to us for any queries and suggestions. Our contact details are :
Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008

Email: help@postpe.app
Website: postpe.app