Over 10 years we help companies reach their financial and branding goals. Maxbizz is a values-driven consulting agency dedicated.




411 University St, Seattle


Lending money for your needs under Soulful Consumer Loan

  • Soulful Nidhi Limited Consumer loan (also known as loan for buying approved items) is a unsecured loan taken by the borrower from a Soulful Nidhi Limited by pledging cheque and original bills of items purchased (only from select stores associated with us) as collateral. The loan amount provided is a certain percentage of item MRP and minimum down payment, typically between 70% to 100%, based on the current MRP of product purchased.
  • 650+ CIBIL score needed for this type of Loan
  • Its affordable and worry free with Soulful Nidhi Limited
  • Hassle-free process and minimum documentation
  • 3 Month to 12 Month tenure, with Rs 4000 to 2 lakhs Loan Amount
  • Mode of Payment Cash/Online/Cheque


  • Applicant to visit Soulful ‘s associated stores for purchase of goods
  • Pre Loan Sanction Letter issued for borrower approval
  • App download – An applicant is asked to first download our Soulful Nidhi Limited mobile app and register with mobile number linked to Aadhaar Card. In order to complete the registration process, an applicant is also required to provide PAN card number and email id along with details of 3 references.
  • Verify – We ask applicants to provide 3 references to verify the authenticity, which is to ensure that we built a family of genuine customers.
  • Registration – Once the verification is completed, an applicant is then asked to visit at Soulful Nidhi Limited Office to further process the loan application.
  • Documentation – On completing the registration process, an applicant can go ahead with the document submission.
  • Disbursement – When the documents are submitted and verified, loan amount is disbursed to the applicant’s or Associate’s bank account the same day.

Fees and charges:

  • One time registration charges – Rs. 100
  • Interest rate – 0% to 19.5% p.a
  • Processing fee subject to loan amount and tenure
  • Loan Insurance facility @ 0.5% of Loan Amount
  • Cheque/ECS bounce charges – Rs. 500+GST /li>
  • Over due charges 3.5% per month on overdue EMI amount
  • Pre closure charges – 4% of outstanding principal amount
  • Recovery charges – Rs. 1000

Eligibility criteria:

  • An applicant should be an Indian citizen, residing in the same city as Soulful Nidhi Limited office.
  • He or she should be aged above 18 years; while upper age bracket is of 60 years.
  • He or she should have a stable source of income (no income proof required for loan up to Rs. 10000)
  • Last 6 month Bank updated statement
  • Credit score check 650+ requrired /li>