RBI-registered NBFC · Bengaluru

Responsible credit for every Indian

Aparampaar Finance lends to salaried professionals and small businesses through our digital brand Omozing. We look beyond the credit score, show the full cost before you sign, and treat every borrower with respect.

Apply on Omozing
Regulatory disclosures

RBI-registered NBFC · non-deposit-takingCIN U65929KA2019PTC126056Lending brand: Omozing

₹10K – ₹25LPersonal loans, unsecured
15% – 39%Interest a year, reducing balance
3 – 36 monthsRepayment tenure
Every loanComes with a Key Fact Statement before signing

Indicative ranges. Your rate, fees and annual percentage rate (APR) are set by our Board-approved Interest Rate Policy and shown in your Key Fact Statement.

What we offer

Loans for real-life needs

Personal loans

For salaried individuals: simple documentation, EMIs over 3 to 36 months, and amounts from ₹10,000 to ₹25 lakh.

Business loans

Unsecured working capital for small businesses, assessed on GST records, business performance and cash flow.

Debt consolidation

Combine several outstanding loans into one EMI with a clearer repayment plan.

See loan details and charges

How a loan works

Four steps, with the full cost shown before you commit

  1. Apply on OmozingShare basic details and consent to a credit check. We never ask for an upfront payment.
  2. VerifyComplete KYC and income checks digitally, with your consent recorded.
  3. Read your KFSYour Key Fact Statement shows the APR, every fee and the EMI schedule. Then e-sign.
  4. Receive fundsMoney goes directly to your own bank account.

Responsible lending

Commitments we publish, so you can hold us to them

No hidden charges

Every charge is listed in our Schedule of Charges and in your Key Fact Statement.

Schedule of Charges

Beyond the credit score

We assess income stability and repayment intent, not only a bureau score.

Interest Rate Policy

Respectful recovery

Collections follow the Fair Practices Code. No harassment, no calls at unreasonable hours.

Fair Practices Code

Your data, your consent

We use customer data only for lending, with explicit consent, as set out in our privacy policy.

Privacy Policy

Penal charges, not penal interest

A missed EMI attracts a disclosed charge that is never added to your interest rate.

Schedule of Charges

A named officer for complaints

Our Grievance Redressal Officer, Mr. Madhusudan M, handles escalations, with recourse to the RBI.

Grievance Redressal

Beware of fraud. Aparampaar and Omozing never ask for a fee, deposit or OTP before a loan is approved. Apply only at omozing.com or the official Omozing app. Report suspicious calls or messages on the RBI Sachet portal (sachet.rbi.org.in).