BharatPe (previously postpe) 1.2.5
RESILIENT INNOVATIONS PRIVATE LIMITED – Freeware – Android iOSout of 27 votes
BharatPe (previously known as postpe) is a comprehensive financial application tailored to address a variety of financial requirements. It offers convenient bill payment services without any additional fees, quick cash loans, enticing gift vouchers, and the option to settle credit card bills. The BharatPe app is a versatile solution to your financial needs, encompassing a wide range of services. For iOS users, BharatPe UPI will be available soon.
- BharatPe Bill Payments:
- Recharges: Effortlessly pay bills for Mobile, DTH, and Fastag.
- Utility Bills: Simplified payments for electricity, water, LPG, piped gas, and broadband services.
- Credit Card Bills: Convenient online payment of credit card bills.
- BharatPe Commerce:
- Special Discounts: Gain exclusive discounts on gift vouchers from leading brands.
- BharatPe Instant Cash Loan:
- High Amounts: Access instant cash loans up to ₹15 lakh.
- Flexible Repayment: Select repayment options that align with your preferences.
- Document Free Loans: No requirement for collateral or a guarantor.
- Trusted Partners: Loans managed through reputable NBFC partners like L&T Finance, Cashe, and True Credit.
- Repayment Terms: A monthly bill is generated with the option to convert it into EMIs ranging from 3 to 15 months. Alternatively, bills can be paid in full without any interest charges by the due date. Loan repayment terms stretch from 3 to 15 months.
- Annual Percentage Rate (APR): The APR varies from 18% to 70%, with the specific rate displayed in the app during EMI conversion or loan acquisition. APR will differ based on the EMI tenure.
An example of cash loan breakdown:
- User-chosen Amount: ₹1,00,000
- Tenure: 12 months
- Interest Rate: 18% per annum (reducing)
- Processing Fees: 2.5%
- Repayment Amount: ₹1,11,196
- Total Interest Payable: ₹11,196
- Total Cost of the Loan: Interest Amount + Processing Fees = ₹13,695
- APR: 24.8%
To demonstrate 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
- Total Cost of the Loan: Interest Amount = Processing Fees = ₹9,000
Note on Permissions: Following NPCI guidelines, SIM binding is obligatory for UPI payment applications to facilitate OTP auto-population using SMS for authentication during NPCI transactions. Additional permissions for Location, Device Information, and SMS are required to enhance underwriting security measures. Please refer to our Privacy Policy for further information.
About BharatPe (formerly postpe): BharatPe is the trade name for the application developed by Resilient Innovations Private Limited under the moniker BharatPe.
NBFC Partners: We have established partnerships with RBI-approved NBFCs such as LendenClub (Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd, and LiquiLoans (NDX P2P Private Limited). Collaborations with L&T Finance Consumer Loans, Bhanix Finance and Investment Limited (Cashe), and True Credits Private Limited (Truebalance) serve as DSA partners for lending initiatives.
Contact Us: Email: customersupport@bharatpe.com
Overview
BharatPe (previously postpe) is a Freeware software in the category Business developed by RESILIENT INNOVATIONS PRIVATE LIMITED.
The latest version of BharatPe (previously postpe) is 1.2.5, released on 10/03/2024. It was initially added to our database on 10/03/2024.
BharatPe (previously postpe) runs on the following operating systems: Android/iOS.
Users of BharatPe (previously postpe) gave it a rating of 3 out of 5 stars.
Pros
- User-friendly interface that makes it easy for small business owners to accept digital payments
- No need for a PoS machine, as transactions can be completed using just a smartphone and the BharatPe app
- Offers a range of payment options including UPI, QR code, and direct bank transfers
- Provides detailed analytics and reporting tools to help businesses track their sales and performance
- Allows for easy integration with accounting software for streamlined bookkeeping
- Offers cashback and rewards to both merchants and customers, incentivizing usage
Cons
- Customer service can be slow or unresponsive at times, leading to potential frustrations for users in need of assistance
- There have been occasional reports of technical glitches causing issues with transactions or data synchronization
- Some users have reported unexpected account freezes or holds, impacting their ability to access funds
FAQ
What is BharatPe?
BharatPe is a financial technology platform that offers a range of services including payment solutions, lending, and digital financial products for merchants and consumers.
How does BharatPe work?
BharatPe enables merchants to accept payments through various methods, including UPI, QR codes and links. It also provides access to financial services like loans and investment products.
Is BharatPe safe to use?
Yes, BharatPe employs robust security measures including encryption and compliance with regulatory standards to ensure transactions are secure.
Who can use BharatPe?
BharatPe is primarily designed for merchants but consumers can also utilize the payment features for transactions.
Are there any fees associated with using BharatPe?
Using BharatPe for transactions is generally free for merchants; however, there may be fees for certain premium services or loans.
What are the benefits of using BharatPe for merchants?
Merchants can benefit from instant payment processing, access to credit, loyalty rewards, and an integrated financial ecosystem.
Can I get loans through BharatPe?
Yes, BharatPe offers loan products based on your transaction history and creditworthiness, making it easier for merchants to access funds.
How can I download the BharatPe app?
The BharatPe app is available for download on both the Google Play Store and the Apple App Store.
What if I encounter issues while using the app?
You can reach out to BharatPe’s customer support through the app or their official website for assistance.
Is customer support available for BharatPe users?
Yes, BharatPe offers customer support through various channels including in-app chat, phone support, and email.
07/05/2024
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