Upwards Review: Is This India’s Best Instant Loan App?
Getting instant personal loans for paying off dues, medical bills, wedding expenses, smartphone purchases, and more can be a boon to many. Therefore, salaried people in India have started applying for Upwards personal loans to get quick loans without much documentation and requirements!
To learn more about this instant personal loan provider in India, read this post till the end. Here, I have explained what personal loan you can get, along with its eligibility criteria and step-by-step application process.
Upwards: Company Background
When it comes to getting personal loans in the quickest and simplest way in India, Upwards is the best one. This company was established in 2017 and is a registered loan provider as per the RBI (Reserve Bank of India). Its Instant Loan App became popular in India.
This company got popular in the last few years for providing personal loans to salaried employees. However, the primary reason they became popular was that they provided these loans quickly – within 48 hours after applying for the loan. In some cases, people even got their loans on the same day they applied for it!
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Upwards Personal Loan: Overview
Providing personal loans to customers is the primary service provided by Upwards. No matter what reason you have for taking a loan, you can get a personal loan instantly using this app. This makes it similar to Fullerton India, and Dhani.
But what is a personal loan?
A personal loan is a type of loan that is unsecured. This means that there is no security against non-payment of loans. Therefore, there is no collateral against the loan that the bank or loan provider can claim in case of failure of payment. Typically, personal loans are short-term loans that also have a lesser amount compared to a secure loan.
In regards to Upwards, they can provide you with personal loans up to INR 2,00,000 (Rs. 2 lakhs). The company also offers personal loans for a repayment period of a maximum of 60 months (5 years).
Regarding the interest rates that you have to pay for your personal loans, they will be based on various factors. These factors are all stated in the Upwards loan eligibility criteria, which I will explain below. The minimum interest rate for this personal loan is 9%.
Key Takeaways
The main highlights of this personal loan are:
- The minimum amount that you can borrow is Rs. 20,000, and the maximum amount that you can borrow is Rs. 2,00,000.
- If you apply for this loan, you will not require any paperwork of any kind.
- The interest rate on this loan is pretty affordable, starting from 9% only!
- This personal loan is free of any collateral.
- No matter what purpose you have, you can use the loan money for anything and everything.
- The approval and disbursal system is instant, happening on the same day as you applied or the next day.
- Applying for this loan is hassle-free since it requires only a few documents. Also, the entire process is online.
- If you get this loan and repay it on time, then your credit score will increase!
Upwards Personal Loan Eligibility Criteria
If you wish to know whether you are eligible to apply for an Upwards personal loan, then you are in the right place. There are a few eligibility requirements that you must meet before you can apply for a loan, unlike LazyPay. These requirements are:
- You must be a resident of India with all legal certifications to prove your Indian citizenship.
- Regarding your age, you must be at least 21 years of age to apply for an Upwards personal loan.
- You must be under current employment and should have a base salary of INR 20,000 per month.
- When it comes to your credit score, it must be above 600.
How To Apply For Upwards Personal Loan?
If you wish to apply for an Upwards instant personal loan, there is a simple process to follow. In addition, you must also provide some basic necessary certifications.
Documents Required
The documents that you must show before you can apply for a personal loan are:
- Address Proof: Any ID card (like a Voter ID card or Aadhar Card) that can prove your current address.
- PAN Card: Your PAN Card is required for checking your credit score and more as per RBI (Reserved Bank of India) regulations.
- Bank Statement: You must present a printed or digital form of your bank statement to show whether your account is legit or not.
- Salary Payslips: When requested, you must showcase your salary payslip for the last three months as proof of employment.
Application Process
The Upwards personal loan application process is pretty simple and hassle-free. Here are the steps that you need to follow:
- First, you must learn how to manage upwards loans. You can do so through the Upwards app. Download it for free from the PlayStore (Android) and App Store (iPhones).
- Next, you must Upwards login by using your GMail account or Facebook account.
- After you have done so, open the app and click on Apply Now.
- Here, you must upload digital copies of the necessary documents, like your Aadhar Card, PAN Card, salary payslips for the last three months, and your bank statement.
- Now, you must fill in the application form.
- After you have filled out the form, click on the Submit.
After you have filled out the application form and providing all necessary documents, you must wait for approval. You will get an approval mail within the same day if your application gets approved, that is.
If you do get the loan approval mail, you will be contacted by an Upwards executive. You now have to agree on the loan terms online over the phone. After an agreement is reached, you will receive your personal loan money within 48 hours!
If you do not receive the money, then you must contact Upwards customer care immediately.
Benefits Of Upward Personal Loan
There are several benefits of the Upward personal loan. It can help you in different means. You must know the facts perfectly while attaining your objectives with complete ease. Ensure that you follow the correct process in this regard. Some of its key benefits are as follows:-
1. Structured Repayment Option
Upward personal loans typically come with fixed monthly payments over a set period, making it easier to budget and plan for payments. You need to get through the complete process that can make things easier for you in attaining your requirements with ease.
2. Offers Flexible Loan Amounts
Borrowers can often access a range of loan amounts, allowing them to borrow what they need based on their financial requirements. The flexible loan can sort out your financial needs when you require it the most. Once you follow this process, things can become easier for you.
3. Predictable Interest Rates
These loans commonly have fixed interest rates, providing predictability in monthly payments throughout the loan term, even if market rates change. You must get through the predictable interest rates that can boost your brand value to the next level.
4. Builds The Credit History
Consistent, on-time payments on an upward personal loan can positively impact credit scores, contributing to an improved credit history. Once you have a trusted credit history things can become easier for you to get the loans on time.
5. Quick Access To Funds
Depending on the lender, approval and funding for upward personal loans can be relatively quick, allowing borrowers to address financial needs promptly. You will get quick access to the funds to make things happen in your favor.
6. Variety Of Uses
These loans can be used for various purposes, such as debt consolidation, home improvements, major purchases, or unexpected expenses, providing flexibility in how the funds are utilized. The loan amount you can use for a variety of purposes. Remember that while upward personal loans offer numerous benefits, borrowers should carefully assess their financial situation and ability to repay before taking on any loan. Understanding the terms, fees, and potential impact on credit is essential in making informed borrowing decisions.
Conclusion: Is Upwards Legit?
If you think Upwards is fake, then you are wrong. This company is 100% legit. However, the only difference you will find is the time taken to receive your personal loans. While the Upwards website claims that you can get your loans in the same day, it actually takes more time than that.
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Example: Owning 100 Shares of Apple Currently, Apple (AAPL on NASDAQ) is trading at USD 182.74. It means that the value of a unit share of Apple's stock is the same. If you buy 100 shares, you will pay: 182.74*100= USD 18274.0 The last dividend given by Apple is $0.24 for each share. So, if you bought 100 shares, you gained $0.24*100= $24.00. Stake Most people confuse stock with share. Stake is the term used to define the relationship between shares and stocks. I have shared essential knowledge about stakes here. Definition Of Stake A stake is the amount an investor gives in exchange for a company's stocks. If you have shares in a company, you also hold a particular stake in the firm. Represents Ownership Percentage In A Company Warren Buffet had around 905 million shares of Apple in 2023. It means that he should have a good stake in the company. If you hold a few shares, then it cannot be calculated in terms of percentage. 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However, there is a slight difference. Warren Buffet has a 6% stake in Apple. His percentage is significant because he has 790 million shares. So, you can imagine your stake will not be fathomable if you have a handful of shares. Stakeholders Have a Financial Interest in a Business When you have invested in so many shares, you will earn a lot if a company profits. Similarly, you will lose big-time if the company goes into losses. John T. Walton Estate Trust, Vanguard Group, and BlackRock hold the highest shares of Walmart. So, it will matter to them, if Walmart gains or loses money. Conclusion I hope the confusion of stock vs. share will end now. If you own a stock, it means you are the certified owner of "n" number of shares in a company. You can understand a stock as the instrument used by a company to trade in the market. Again, shares are single units of stock in the market. You are the part owner of a company if you own a single owner. At the same time, the person or entity with the highest stocks is also a part owner. The difference is that he will gain more than you. In simple terms, both of you will gain a certain dividend on each share. The person with higher shares (of the same company) will earn more. You must understand the three terminologies clearly to make a more informed choice in the share market. I hope this article solved your confusion of stock vs. share. Read More Interesting Business Articles By Click Below!! Learn How to Read Option Chain: Benefits and Prospects A Beginner in Stocks? Learn Investing in Stocks for Dummies What is Pattern Day Trading? – Fundamentals of Pattern Day Trading
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What is capital investment? - It is the money that businesses use to invest in fixed assets. Fixed assets include buildings, lands, machinery, etc. The investment money is in the form of cash, loans, or assets. On the other hand, it is also the money that investors invest in a business with the understanding that the business will use that money to buy fixed assets. Capital investment is important, as without it, businesses will find it hard to get off the ground. In this article, you will learn about what capital investment is and how it works. We will also learn from subsequent sections how this type of investment is useful for a business and can help it to grow. Furthermore, we will look at some of the major types of capital investments. Hence, to learn more, read on through to the end of the article. What Is Capital Investment? According to Investopedia, “Capital investment is the acquisition of physical assets by a company for use in furthering its long-term business goals and objectives. Real estate, manufacturing plants, and machinery are among the assets that are purchased as capital investments. The capital used may come from a wide range of sources from traditional bank loans to venture capital deals.” Capital investment is one of the essential aspects businesspersons need to consider at the time of starting a business. It is basically the expenditure of money that a company considers to spend on its long-term growth. On the other hand, the term is also popular when a company acquires permanent fixed assets such as real estate or equipment. While reporting in financial accounts, accountants report capital assets as non-current assets. Furthermore, they also go into the depreciation account since such assets depreciate over time. Some examples of capital investments include buildings, lands, machinery, equipment, or software. Capital investment funds can also come from a variety of sources, not necessarily angel investors. It can come through cash on hand or through big projects. In some cases, businesses finance funds for capital investment through loans or by issuing stocks. However, it is important to do some research before making any investment decision. Hence, businesses need to focus on research and situations of the market. Capital Investment: How Does It Work? According to TheBalanceMoney.com, “The term capital investment has two usages in business. First, capital investment refers to money used by a business to purchase fixed assets, such as land, machinery, or buildings. Secondly, capital investment refers to money invested in a business with the understanding that the money will be used to purchase fixed assets, rather than used to cover the business's day-to-day operating expenses.” To purchase additional capital assets with capital investments, a growing business might need to seek financing. In most cases, the financing options are debt financing or equity financing. In the first case, businesses take help from financial institutions, while in the second case, businesses take help from angel investors and venture capitalists. With capital investments, the goal of businesses is to achieve their goals. These are some of the major reasons for businesses to make capital investments: By acquiring additional assets for expansion, businesses can increase unit production, add more value, or create new products. Businesses can take advantage of new technology and developments with the help of better machinery and equipment. This can help businesses to increase their efficiency and reduce costs. Businesses also resort to capital investment to replace existing assets that have reached their end-of-life. How Is Capital Investment Useful For Businesses? According to the Corporate Finance Institute, “For a company, invested capital is a source of funding that enables them to take on new opportunities such as expansion. It has two functions within a company. First, it is used to purchase fixed assets such as land, building, or equipment. Secondly, it is used to cover day-to-day operating expenses such as paying for inventory or paying employee salaries.” To understand the usefulness of capital investment for businesses, let’s look at some pros and cons of it: Pros Here are the pros of capital investment: An efficient capital investment increases productivity It results in manufactured goods of better quality Investments can be cheaper as compared to other expenses in the long run. It helps in providing the business with a competitive advantage Cons Here are the cons of capital investment: The investment can be too expensive for the company to make a purchase of its own. It limits the short-term profitability of the company Additional operating expenses of the company create further problems It leads to a reduction of liquidity of the company. Hence, it becomes difficult to sell the company’s capital assets. What Are The Types Of Capital Investments? The following are the major types of capital investments: Land: In this case, companies buy bare land for expansion and development. Building: These include buildings that are used for manufacturing, production, storage, etc. Furniture And Fixtures: Although these are temporary in nature, in some cases, they come under capital investments. Machine And Equipment: Investment in machines and equipment helps increase production. Software And Computer Devices: Companies invest to buy or build software. Assets Under Development: Here, companies incur spending over time to capitalize assembled assets. Companies can gain a competitive advantage in the market by investing in long-term assets. If a company is willing to take risks through investing, it can create a barrier to entry which competitors cannot overcome. Bottom Line Hope this article was helpful for you in understanding what is capital investment and how it works. When companies invest in capital, they consider long-term benefits as compared to short-term investments. They make capital investments to make more innovations and modernization while capturing a competitive advantage over competitors. Companies make capital investments in illiquid assets such as land, buildings, equipment, or machinery. Hence, they require a large sum of money to invest. Due to the depreciation of such assets, the accounting treatment is different. Do you have more to add regarding capital investment? 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