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[Virtual Presenter] This is a training video for Personal Loan Collections, presented by ARRise BPO Solutions Pvt. Ltd and Credit Saison. The purpose of this presentation is to provide a thorough understanding of the collection process and to discuss effective strategies and best practices. We are pleased to have you join us and we hope you will find this training informative and beneficial. Let's begin!.

[Audio] Our next slide discusses Credit Saison India and its four main business verticals. Credit Saison India, also known as CS India, is a subsidiary of Japan's Credit Saison India Co. Ltd, established in 2018 under the registered name Kisetsu Saison Finance India Private Limited. These verticals include Wholesale Financing, where we offer financial support to businesses, Co-origination Financing where we collaborate with banks and financial institutions to provide loans to consumers, Consumer Financing for personal loans, and SME Financing for small and medium-sized enterprises. Our goal is to provide comprehensive solutions to clients in different sectors and make a positive impact on India's financial landscape. Let's move on to the next slide for more about Credit Saison India..

[Audio] The presentation on ARRISE BPO SOLUTIONS PVT. LTD and their partnership with CREDIT SAISON for Personal Loan Collections will cover the company's background and key statistics. ARRISE BPO SOLUTIONS PVT. LTD was established in 1951 and has become a leader in the business process outsourcing industry, with a strong foundation and extensive experience. Currently, the company has a total domestic profit of 48.3 billion yen and a workforce of 36 million employees, demonstrating their success and stability. With 282.6 billion yen in net revenue, the company also has a strong customer base due to their effective management and commitment to delivering high-quality services. Additionally, their card transactions have reached 7.2 trillion yen, displaying the trust and confidence their clients have in their services. In summary, ARRISE BPO SOLUTIONS PVT. LTD is a successful and well-known BPO company with a strong financial standing, a large workforce, and a loyal customer base. This concludes our discussion on their background and key statistics. Thank you for watching and stay tuned for more information on their partnership with CREDIT SAISON for Personal Loan Collections..

[Audio] Today, we will be discussing the use of the Privo App for obtaining quick and effortless loans. This app was designed for individuals who may require immediate cash for various reasons. It is available regardless of the purpose, whether it be for a wedding, travel, a major purchase, or home renovation, without the need for collateral. All that is needed is a good credit score. The first group that this app caters to is planners. If you have a significant event approaching and need financial aid, you can turn to Privo for instant loan options. This can be for a wedding, significant purchase, or even a well-deserved vacation. With no collateral required and a good credit score, the Easy Cash Loan App can help you access the funds you need. Next, we have the self-made tribe. These are individuals living away from home who may require additional financial assistance to get through the month. Privo is like a family, always there to provide support when needed. With the Instant Personal Loan App, you can meet your financial needs and continue to thrive in your new home. Lastly, we have the gig folks. This group may include freelancers, entrepreneurs, or individuals looking to start a new business. If you are in need of funds to purchase equipment that can help grow your revenue, Privo is available to support you. Don't let a lack of cash hinder you from making bold decisions. With the Privo Instant Easy Loan app, you can confidently take steps towards your goals. In conclusion, the Privo App is a useful tool for anyone in need of quick access to cash without the hassle of collateral. Whether you fall into the categories of planners, self-made tribe, or gig folks, this app can provide the necessary financial support to help you attain your goals. Thank you for listening and stay tuned for more information on using the Privo App..

[Audio] Slide number 5 out of 18 discusses Privo, the leading platform for instant online loans. Being a reliable financial partner, our mission is to make access to funds quick and convenient, especially during emergencies. We offer a seamless and paperless borrowing experience for individuals in need of financial support for various purposes. Our commitment to providing instant loan approvals for short-term personal loans without collateral sets us apart from traditional loans. With low-interest rates and an easy online application process, Privo makes it convenient for you to get the funds you need when you need them. Thank you for listening to this presentation. Let's move on to the next slide..

[Audio] In this presentation, we will be discussing the various types of personal loans available. It is important to understand that a personal loan is a form of debt, but it can also refer to borrowing from friends or family. When taking out a personal loan from a bank or NBFC, it is usually for a short term and has a specific purpose. This is different from long-term loans like mortgages or home equity loans. These loans can be used for personal financial needs or emergencies, such as car payments or home renovations. It is essential to note that personal loans can be short-term or long-term, depending on the amount and needs of the borrower. However, they must be repaid in monthly installments throughout the loan tenure. Short-term personal loans typically have a term of one year, and therefore may have a higher interest rate due to the higher risk involved. Some banks may not provide unsecured, short-term personal loans due to factors such as low credit scores. At ARRISE BPO SOLUTIONS PVT. LTD, we understand the need for quick and hassle-free personal loans. That's why we have developed the Privo app, which offers instant loans to eligible individuals without the need for collateral. All that is required is the borrower's aadhaar card and PAN number. Thank you for listening to our presentation on personal loans. We hope you found it informative. Stay tuned for our next slide where we will discuss the repayment process in more detail..

[Audio] We will be discussing the options available to Maya for obtaining a loan in slide number 7. Maya, a 35-year-old with a monthly salary of Rs. 80000, needs an urgent loan of Rs. 2 lakhs. One option is for her to use a credit card and repay the amount in the following months, but this comes with charges and penalties of up to 45%, making it an unfeasible option for Maya. Another option is Privo's instant personal loan, which does not require any collateral and allows her to borrow up to Rs. 5 lakhs. Maya can easily apply for this loan through the Privo website or mobile app. Let's look at some calculations. With a one-year loan term, Maya will have to pay an EMI of around Rs. 17,900. This will help her manage her funds better as she can use a portion of her salary for loan repayment and the rest for her monthly expenses. To make these calculations easier, we have provided the Privo Personal Loan EMI Calculator. This will help determine the EMI amount based on the loan amount and duration. Taking an instant personal loan from Privo is the ideal solution for Maya's urgent financial needs. It will not only help her manage her expenses more effectively, but also provide her with the necessary funds without any added pressure. Thank you for your attention..

[Audio] Today, we will be discussing Arise BPO Solutions Pvt. Ltd and their partnership with Credit Saison to provide customers with easy and convenient personal loans. This is slide number eight out of eighteen. As a customer, the first thing you look for is convenience. One of these innovations is the Privo app, a completely web-based platform that allows you to get an easy personal loan online within minutes. The app allows you to upload all necessary documents and complete the entire process digitally. Say goodbye to complicated and time-consuming loan processes. With the Privo app, you can borrow multiple times with only one approval, eliminating the hassle of getting approved every time you need to borrow money. Let's talk about interest rates. Credit cards may seem like a popular alternative for short-term credit, but they come with their own drawbacks, such as a high interest rate. With Privo's instant personal loan, you can enjoy a low interest rate starting at only 09.99% per annum. For your first loan, you can easily borrow up to Rs. 5 lakhs. Don't wait any longer, download the Privo app now and get a short-term instant personal loan within minutes. Stay tuned for more updates on the latest innovations in the financial industry..

[Audio] Slide number 9 out of 18 discusses the benefits of choosing Privo for personal loan collections. Unlike other banks and financial institutions, Privo does not charge any preclosure fees or hidden costs due to its fully digital operations. Its AAA+ rating by CARE and AAA rating by CRISIL also reflects its credibility and reputation in the financial industry. Additionally, returning customers may be eligible for a lower interest rate, as a reward for maintaining a good repayment history. This concludes the discussion on slide number 9 and more information on Privo's personal loan collections will be provided in the remaining slides..

[Audio] We will now discuss the different purposes for which you can use a personal loan, specifically for slide number 10. One common use for a personal loan is home improvement, which can include anything from simple renovations to a full remodel. Another popular use for a personal loan is for weddings, which can be quite expensive, especially Indian weddings. With the funds from a personal loan, you can easily cover the costs and have the wedding of your dreams without any financial stress. Lastly, a personal loan can also be used for travel. If you have always wanted to go on an exotic trip but don't have the funds, a personal loan can help make it possible. In conclusion, personal loans are a great way to fulfill various needs and desires, from home improvements to weddings to travel. Thank you for listening and let's move onto the next slide..

[Audio] Today, we will be discussing the topic of personal loans for various purposes. The festive season is a time filled with joy, celebrations, and expenses, including family gatherings, gifts, and decorations. A personal loan can be used to cover these expenses without using savings. Additionally, there is a personal loan option for pensioners who may experience increased daily expenses without a way to meet them due to a fixed income. This loan provides financial support for pensioners. Furthermore, there is a personal loan designed specifically for women. It offers competitive interest rates and flexible repayment options for various needs, such as education, starting a business, or taking a dream vacation. In conclusion, personal loans from Credit Saison can be a helpful and convenient solution for various needs and expenses. Thank you and stay tuned for our next slide..

[Audio] Slide number 12 of our presentation focuses on the eligibility criteria for individuals applying for a personal loan from ARRISE BPO SOLUTIONS PVT. LTD and CREDIT SAISON. To be eligible, the individual must have a monthly in-hand income of ₹18000 or more, be an Android user, have a minimum CIBIL score of 700, and be between the ages of 21 and 60 years. These requirements are in place to ensure a stable source of income, streamline the application process, assess creditworthiness, and demonstrate financial responsibility. Our company values the importance of providing convenient and responsible financial solutions for our customers, and by following these criteria, we are able to lend responsibly and offer a hassle-free experience. Thank you for your attention and please continue to the next slide where we will discuss the loan application process..

[Audio] The important aspects of Credit Saison's personal loan collection process are presented on slide 13. This slide showcases the various loan amounts offered by Credit Saison, with a minimum starting amount of ₹15000 and a maximum of ₹5 lakh. This range allows individuals to choose the loan amount that best fits their financial needs. Moving on to the interest rates, Credit Saison offers a range from 9.99% to 39.99%, providing borrowers with options to select an interest rate that works for them. Credit Saison's goal is to offer personalized and flexible solutions for customers, which is exemplified in the variety of interest rates available. Furthermore, our flexible EMI option allows borrowers to select a repayment tenure from 3 months to 60 months, giving them the opportunity to customize their loan repayment plan according to their financial capabilities. Overall, Credit Saison's personal loan collections provide a convenient and efficient way for borrowers to fulfill their financial needs. Let's now move on to our next slide..

[Audio] In this slide, we will discuss the charges associated with personal loan collections at ARRIS BPO Solutions Pvt. Ltd. and Credit Saison. Personal loans are a common financial solution for individuals in need of immediate funds. It is important to understand the charges in order to avoid any unexpected fees. The table on this slide displays the different types of charges and their corresponding rates. The overdue interest rate and default interest rate/late payment penal interest are both set at 36% per annum. This means that if a borrower fails to make loan payments on time, they will incur additional charges at this rate. Additionally, full and part prepayment charges are set at 0% of the outstanding amount plus taxes, meaning no additional fees will be charged for paying off the loan in full or making a partial prepayment. Swap charges for check or NACH (National Automated Clearing House) payments are set at Rs 250 plus taxes, while dishonour charges of Rs 450 will be applied if a check or NACH payment is not honored by the borrower's bank. It is important to note that all charges are subject to taxes, which may vary based on the loan amount and other factors. It is crucial for borrowers to be aware of these charges and understand their implications before taking out a personal loan. This will help them make informed decisions and avoid unnecessary financial burden in the future. Thank you for your attention and let's move on to the next slide for more information..

[Audio] To pay your bill through PhonePe, start by opening the PhonePe app and selecting the "Loan Repayment" option. Search for Credit Saison and add your account number. Then, click on "Confirm Pay" and make sure all information is correct before clicking "Proceed to Pay." Your bill will then be paid through PhonePe. Just be sure to have an updated app and sufficient funds in your account. Thank you for learning about our Personal Loan Collections through ARRISE BPO SOLUTIONS PVT. LTD and Credit Saison. We hope this training has been helpful and wish you all the best in your collections..

[Audio] This presentation will focus on the services and features offered by the Credit Saison app. The home screen of the app provides easy access to a range of services, including money transfers, insurance, bill payments, and more. The app also offers PIN-less payments for services such as electricity, gas, and mobile phones. Users can also check their balance, refer friends and family, and pay credit card bills, rent payments, and more. The app offers a search feature to help users find their preferred lender from a variety of categories. With its user-friendly interface and convenient features, the Credit Saison app is a must-have for managing financial transactions. It also offers the AutoPay feature, making timely bill payments a breeze. Thank you for listening and stay tuned for the final two slides of our presentation..

[Audio] In this slide, we will discuss the process of paying a personal loan installment through PhonePe. To do so, you will need your loan account number. Please make sure you have this number handy before proceeding. Once you have your account number, enter it in the appropriate field. By proceeding, you give PhonePe permission to access your current and future dues and remind you of any upcoming payments. This will ensure that you never miss a payment and avoid any late payment charges. After confirming the loan installment, you can review the bill details, including customer name, bill number, bill date, EMI due, and late payment charges. In this example, our customer's name is Shubham Sanjay Bhoyar and the bill number is 8604358. The bill date is 19th of April, 2024, with an EMI of 2008.0 and late payment charges of 32.0. If everything is correct, you can proceed to pay by clicking on the "PROCEED TO PAY" button. Thank you for watching and we hope this slide has helped you understand how to pay your personal loan installment through PhonePe. Please continue to the next and final slide for a quick recap of what we have covered in this training..

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