IDFC FIRST Bank: MobileBanking vs OneScore: Credit Score Insight Usage & Stats

Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features. Experience the joy of: * One-Swipe Banking: Swipe to view your account balances and manage credit card/debit card details, deposits, investments, etc * Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments * Zero Fee Banking: Enjoy commonly used Savings Account services free of cost, including money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals * Tracking Expenses: View your savings and transactions across all your accounts and monitor cash flow with over 20 automatically categorized transaction types * Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates * Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile * Investing for Life Goals: Create and make investments for your investment goals – wedding, education, or retirement * Personalized Offers: Get exciting offers across dining, lifestyle, travel & more * Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates and flexible tenures Smart App Features and Services 1. Secure Fund Transfers & Payments * Free fund transfers to any bank account without adding beneficiary * Easy bill payment and recharge – mobile recharge, DTH & utility bills * 3-click digital bill payments * Zero fee money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS * Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI * Link bank (बैंक) accounts & view your savings account (बचत खाता) balances with UPI 2. Investment, Mutual Funds & IPOs App: Explore online investment services: * Invest in Mutual Funds online with Instant SIP * Invest in equity, debt, large-cap and multi-cap * Save tax with ELSS mutual funds * Invest in Unit Linked Insurance Plans (ULIP) and Online Sovereign Gold Bonds 3. Insurance App: Buy health, bike & car insurance through our app 4. Tripstacc Benefits * Convenient in-app flight and hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc * ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings 5. Other Banking Services: * Apply for debit card & cheque book via app completely free of charge * Use smart filters to view transactions * Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards * Quick purchase and recharge of FASTag * Zero fee on DD & Pay order issuance & 3rd party withdrawals * No ECS return fee & decline fee at ATMs for low funds * Get personalised offers across loans * Contact us via chat, video call and call centre Steps to Download App & Open a Digital Banking Account (बैंक खाता): * Download the banking app & click on open savings account (सेविंग्स अकाउंट) * Register your details & get user ID & password * Log in via user ID and password or mobile number and MPIN * Set up Face ID or finger scanner (biometric) for easy log-in * SIM Binding feature for secure banking (बैंकिंग) Personal Loan Features: Loan amount: ₹20,000 to ₹40 lakhs Personal Loan Tenure: 6 to 60 months Annual Percentage Rate: 11% to 28% Representative Example: Loan amount: ₹1,00,000 Loan Tenure: 12 months Interest Rate (reducing): 20% EMI Amount: ₹9,264 Total Interest Payable: ₹11,168 Processing Fee (incl GST): ₹3,499 Disbursed Loan Amount: ₹96,501 Total Amount Payable: ₹1,11,168 Total cost of Loan (Interest + Processing Fee): ₹14,667 Disclosure: By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions

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OneScore: Credit Score Insight

Instant personal loan app, credit-score & more! OneScore is a credit score management and instant personal loan platform trusted by over 4 Crore Indians. Whether you need money for short term personal expenses, a long vacation, or to cover medical expenses, you can get an instant loan for any cash emergency with OnePL. - Instant Loan Disbursal - Easy Application - No Collateral requirement - Zero Documentation - Flexible EMI options How to avail of the best instant loan offer on OneScore Build your credit worth by regularly tracking your credit score, & look out for the personalised best loan offer. Depending on your credit score, & other factors, you will receive instant approval for a personal loan through our app. What’s more! You can also use the EMI calculator within the app to plan your online loan EMIs & choose from the flexible repayment options. Set up payment reminders so you never miss an EMI. Eligibility Criteria for best online loan offer with OnePL A credit score of 730 & above Stable employment with monthly salary of >₹20,000 Aadhaar and PAN card holder OnePL features: • Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India (KSF) • Loan Amount: Up to Rs. 5 Lakh • Loan tenure: Minimum 6 months, maximum 48 Months • Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB), 14% - 30% (For KSF) • Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB, 2%-3% for KSF • APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 20% - 32% (For KSF) Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate & a repayment tenure of 1 year. Here’s how your online loan disbursal amount would be calculated: • Loan Amount - ₹50,000 • Tenure - 12 months • Interest Rate - 13% • EMI - ₹4,466 • Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592 • Processing Fees (incl. GST) - ₹1179 • Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821 • Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771 • Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771 *In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date & the first EMI. The interest rate charged for this period is called Broken Period Interest. Why download OneScore? Get instant loans up to Rs 5 lakh with zero documentation & flexible EMI options. Check your Experian and CIBIL score instantly. Get notified about changes in your credit score. Stay in charge of your credit score with a simplified credit report & eliminate errors in real-time. Use the ‘Find out why feature’ to analyze your data and understand exactly why your Experian and CIBIL credit score has changed. Use the Score Planner to level up your credit score. Set a goal for yourself & achieve your ideal score with personalized insights. Have a low credit score? Use the simulator to get suggestions on how to improve your Experian and CIBIL score with good financial habits. Get a bird’s eye view of all your personal loan & credit card accounts. Report inaccuracies in your credit record with a simple click. Why OneScore is different End-to-End Credit Management Tool One-stop solution for end-to-end credit management from building your credit score to availing instant personal loans at low-interest rates. Safe & Secure: None of your information is shared with any third party or institution. Your data is safe with us. email for help: support@fplabs.tech. Do visit our website to contact us for any queries at https://onescore.app. Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farms Phase II, Baner, Pune, MH IN 411045