Our Process — Step-by-Step Kya Hota Hai
Quick Overview
ProWiderKart ka process simple hai — 5 main stages mein hota hai. Pura process Hindi-English mein WhatsApp aur phone par hota hai. Physical meetings rarely required.
Stage 1: Initial Enquiry (Day 0)
- User WhatsApp/website form pe enquiry karta hai
- Hum within 1-4 hours respond karte hain (working hours)
- Generic eligibility discuss karte hain — products, amounts, timelines
- No personal data collected at this stage — open conversation only
Response time indicative. Weekends aur holidays par delay possible.
Stage 2: Need Assessment (Day 0-1)
- User ki requirement samajhna — kya chahiye, kyun chahiye, kab chahiye
- Suitable product options share karna (loan type, insurance type, PG type)
- Generic eligibility, document list, indicative timeline batana
- User ko decision lene ka time dena — no pressure
Stage 3: Document Collection (Day 1-3)
| Standard Documents | Common Types |
|---|---|
| Identity | Aadhaar, PAN |
| Address | Aadhaar, utility bill |
| Income | Salary slip / bank statement / ITR |
| Business (if applicable) | GST, Udyam, business registration |
| Property (if applicable) | Sale deed, ownership proof |
Document list indicative hai. Specific requirements lender/product ke according vary karte hain.
Stage 4: Application Submission (Day 3-5)
- Documents ko verify karna aur format check
- Application file create karna aur partner lender/insurer/PG ko forward karna
- Application reference number share karna user ke saath
- Status updates WhatsApp pe (no spam, only milestone notifications)
Stage 5: Processing & Disbursement (Day 5+)
- Lender/insurer apni internal processing karta hai (credit check, verification)
- Approval/rejection ka decision lender ka hota hai — ProWiderKart ka role facilitator only
- Agar approved — disbursement directly user ke bank account mein lender se
- Agar pending — additional documents ya verification request handle
- Agar rejected — reason explain aur alternative options suggest
Indicative Timelines by Product
| Product | Indicative Time |
|---|---|
| Personal Loan | 24-72 hours |
| Business Loan (small) | 5-10 working days |
| MSME Loan | 10-21 working days |
| Property Loan / LAP | 2-4 weeks |
| Health Insurance | 1-3 working days |
| Term Insurance | 3-7 working days (medical may extend) |
| Payment Gateway Activation | 3-7 working days |
Yeh figures indicative hain — actual timelines lender/insurer/PG ki internal processing aur user-specific factors par depend karte hain. Final decision unka hota hai.
Post-Disbursement Support
- Loan EMI start date ka reminder
- Insurance policy document storage guidance
- PG dashboard navigation help
- Renewal/top-up future support
Our Commitments
- 📞 Response within 4 working hours guaranteed
- 🔒 Data encryption + DPDP Act 2023 compliance
- 🎯 No pushy sales — educational first
- 💬 Hindi-English mein full communication
- 💰 Zero charges to user — full process free
FAQs
Application submit karne ke kitne der mein call aata hai?
Indicative response time 1-4 ghante hai working hours mein (9 AM-9 PM). Weekend ya holiday par delay ho sakta hai.
Kya physical meeting zaruri hai?
Nahi, 95% process WhatsApp/phone/email pe complete ho jaata hai. Sirf kuch products mein (jaise property loan) lender field verification kar sakta hai.
Documents kaise share karein?
WhatsApp ya email pe scan/photo share kar sakte hain. Documents secure servers pe store hote hain DPDP Act 2023 compliance ke saath.
Disbursement mein total kitna time lagta hai?
Lender-specific hota hai. Indicative timelines — Personal loan: 24-72 ghante, Business loan: 5-10 working days, Property loan: 2-4 weeks. Final timeline lender ke discretion par.
Application reject hone par kya?
Hum reasons explain karte hain aur alternative options suggest karte hain — different lender, different product type, ya improvement areas (credit score, documents, etc.).
Process ke beech mein cancel kar sakte hain?
Haan, koi obligation nahi hai. Kabhi bhi step pe withdraw kar sakte hain. Pre-disbursement koi charge nahi.
Free Guidance Chahiye?
Hindi-English mein expert advisory. WhatsApp pe chat karein — 9 AM se 9 PM.
💬 WhatsApp Chat Start Karein