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Descriere
★ONDC Financial Services★
Financial services, other than Banking and Payments, are severely underpenetrated in India. While the most affluent 100 million Indians are served well by the market, the remaining 1300 million are largely ignored.
There are 2 reasons for this:
The primary reason for this is financial services are usually provided via manual or phygital (physical + digital) processes. The introduction of manpower results in increased customer acquisition costs (and this is without accounting for marketing costs). In turn, increased costs result in larger minimum ticket sizes for it to make economic sense for a company to acquire that particular customer. It follows that larger ticket sizes exclude the 1300 million individuals who are not affluent.
The second reason is the lack of standard Application Programming Interfaces (API) and processes that make integration between product manufacturers and product distributors simple. Low-cost smartphones and data have resulted in Indians now transacting digitally to a very large degree (UPI is an example). However, bilateral negotiations between players of different sizes and market power end up in rigid (and usually inefficient) practices of larger players that impose a cost on smaller players. Not only is the cost of integration driven up by this environment but also smaller players are deprioritized even if they have better solutions than players that have already reached significant scale. The challenge with players who have reached scale is that they are unwilling and/or unable to be agile in order to create new products for underserved segments.
This is true in credit, investments, and insurance.
The aim is to create technology to democratize financial services in India. ONDC will do this by creating networks to help the low-cost distribution of financial products, driving network discipline in order to ensure an inclusive and fair marketplace and a technology environment that aids innovation in financial products in a controlled manner.
★Lending partners through ONDC network★
1) Aditya Birla Capital
★ App Permissions Justification★
**READ_SMS**
-OTP for Account Sign up using phone number
-OTP for Phone number verification by the Bank Account Aggregators
-OTP for Aadhaar eKYC for Loan Consent Signing
-OTP for Phone number based digital signature signing of the approved loan Key facts statement
★ Non Predatory Loans policy ★
● Minimum and maximum period for repayment. : 3 Months to up-to 6 years
● Maximum Annual Percentage Rate (APR). : 25%
● Example of the total cost of the loan, including the principal and all applicable fees , sample monthly payment, sample interest calculation as per RBI guidelines.
-Loan amount (in Rupees) : 20000
-Total interest charge (in Rupees) : 3274
-Other up-front charges (in Rupees) : 400
-Processing fees (in Rupees) : 160
Insurance charges (in Rupees) : 240
Others (in Rupees) : 0
Net disbursed amount (in Rupees) : 19600
Total amount to be paid (in Rupees) : 23674
Annual Percentage Rate (APR) : 17.07%
Tenor of the Loan (months) : 24
Repayment frequency : Monthly
Number of installments : 24
Amount of each installment (in Rupees) : 970
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