Frequently Asked · अक्सर पूछे जाने वाले प्रश्न
Straight answers, no jargon.
Everything customers ask us most, on rates, tenure, documentation and process — answered honestly, in one place.
General
Is Qubik Finserv a bank?
No. Qubik Finserv Pvt. Ltd. is a Non-Banking Financial Company (NBFC), registered with and regulated by the Reserve Bank of India. NBFCs can lend and offer certain financial services, but don't accept demand deposits the way a bank does.
Which products do you offer?
Personal Loan, Business Loan, Loan Against Property, Vehicle Loan, Venture Debt, Bill Discounting and Gold Loan. See the full lineup with details on our Products page.
Who can apply?
We serve retail customers, salaried employees, SMEs and corporate clients. Eligibility criteria vary by product — use our Eligibility Checker for a quick, indicative read.
Application Process
How long does approval take?
Once your documents are submitted and verified, we aim to give you a clear, personalised offer within 24–48 hours. Actual timing can vary depending on the product and how quickly documentation comes through.
Do I need to visit a branch?
Not necessarily. Applications can be started online, and KYC and income documents can be submitted digitally. Some products or verification steps may still require an in-person step depending on the facility.
Will checking my eligibility affect my credit score?
No. Our indicative Eligibility Checker doesn't pull your credit report, so it has no impact on your score. A credit check only happens once you formally apply.
EMI & Repayment
How is my EMI calculated?
On a standard reducing-balance basis — interest is charged only on your outstanding principal, which falls with each payment. Try our EMI Calculator to see the effect of different amounts, rates and tenures.
Can I prepay or foreclose my loan early?
Yes, prepayment and foreclosure are generally available, though any applicable charges depend on the specific product and are disclosed upfront in your loan agreement before you sign — never as a surprise later.
What happens if I miss an EMI?
Contact us as soon as you know a payment might be missed — we'd much rather work out a plan with you early than have it escalate. Late payment charges and their treatment are set out clearly in your loan agreement.
Documentation
What documents do I need to apply?
Typically KYC (identity and address proof) and income proof — salary slips or bank statements for salaried applicants, and GST filings or financial statements for businesses. The exact list depends on the product; see our blog post on Business Loan documentation for a deeper walkthrough.
Is my information kept confidential?
Yes. Your data is handled under strict internal data-protection controls, in line with our Privacy Policy — see our Trust & Security page for details.
Security
How do I know a communication is really from Qubik Finserv?
We never ask for OTPs, passwords, security deposits or advance fees over phone, WhatsApp or email. If in doubt, verify through our official channels only — see our Trust & Security page for the full public notice and verified contact details.
Who do I contact if something goes wrong?
Start with our customer care line. If you're not satisfied with the response, our Grievance Redressal process — including escalation to the RBI Ombudsman as a final resort — is laid out on our Corporate Governance page.
Still Have A Question?
We're a call away.
Some things are easier to sort with a real conversation than a page of text.