ZestMoney

Customer Guide
 Customer Steps
Customer • Customer clicks on the link and will be redirected to this
page.
Journey – • Customer will be shown the available terms and their
Step 1 •
applicable EMIs.
Customer need to choose the term.
• Please Note :-Every EMI would have an interest
component would be refunded as Interest cashback
(mentioned on this screen) and credited to customers
account within 5 – 7 working days from EMI payment.

IMPORTANT
• The extra interest amount charged in every EMI will be
refunded again as cashback

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 Create
ZestMoney
Profile

Customer Steps:
● Customers will be redirected to ZestMoney website for completion of their Zest Profile (For
Online Method)
● Customer will get an Email to start the loan application in Offline method. Customer needs
to click on “Login to Continue” and will be redirected to ZestMoney website for completion
of their profile
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Customer
Journey –
Step 2

Customer Steps
• Customer need to enter the profile details.
• Name – Customer need to enter the same name they have on their PAN card.
• Customer need to enter their PAN number, Aadhaar number and current address.

• IMPORTANT – Entering details as per PAN Card is regulatory requirement. Please 4

ensure that the PAN number is entered correctly.
 Customer Steps
• Select Employment Status, monthly
income & employer name.
Customer • Select “I Live With”
Journey – • Select average monthly expenses.
• Check the disclaimer box below &
Step 3 click on Submit.

Note:
IF you are currently a college students
and filling the form with your details then
please select 'Student with Salary' and
put a dummy salary of INR 12000.

Else if the application is on the name of

parent then their salary details should be
filled.
IMPORTANT
• Monthly income should be an average of last 3 months salary that customer has
received.
• Employment details are required to verify customers income.
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 Customer
Journey –
KYC
Compliance 1

Customer Steps:
• If mobile is linked with Aadhar, Click On Verify Aadhar Online
• If customer’s Aadhaar is not linked with mobile number, customer need to click “Cant Verify using OTP”
• Upload front and back of anyone of the government IDs & follow the instructions.
IMPORTANT:
• Standard KYC details are regulatory requirement. For faster verification use “online Verification” process.
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 Customer
Journey –
KYC
Compliance 2

Customer Steps:
• If customer’s mobile number is linked with Aadhaar Number customer need to enter
Aadhar Number.
• Enter Security Code – Captcha Code
• Click On Proceed
IMPORTANT:
• Standard KYC details are regulatory requirement. Always enter Share Code - 1234 7
 Customer
Journey –
Offline KYC
Compliance

Aadhar Not linked with Mobile – Upload front & back of Aadhar or Voter ID or Driving License
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 Customer Steps: Bank
Details
Loan • Enter Bank Name
Agreement • Account Type
• Account Holders Name
Page & Bank • Account Number
account page • IFSC Code

Customer Steps:
● Customer will read the loan agreement and click on I Accept.
● Just below I Accept there is a check box for insurance, if customer does not want to opt for it, they
can click on the check box and move ahead.
● Customers who completes income verification step, need to confirm their Bank details.
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● This will be pre-filled and will have the details of the same bank customer uploaded.
 Customer Steps:
• Customers can setup their repayment using 2 mechanisms –Standing Instructions, NACH
• Repayment setup ensures that customers monthly EMI are getting debited on time
• Estimated split of repayment modes :
Repayment • SI (Standing instruction by debit card) – 60%
Setup • NACH Document upload – 40%

Which Banks Support Standing Instructions?

• Supported banks on Net Banking – ICICI, Axis & HDFC Banks [All registrations will be real time
except HDFC ( Net-banking Auth) which will get updated in T+2 days]
• Supported banks on Debit Card – Citi, Canara, Kotak Mahindra & ICICI Banks

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 Customer Steps
• Customer can setup
repayment by providing
Repayment standing instructions for
auto EMI deduction via his
Set Up - “Net-Banking & Debit
SI Setup •
Card”
Authenticate phone
Debit Card number & Email ID, in the
next screen enter card
number, expiry, name as on
the card & CVV

IMPORTANT :
First transaction Rs.1 will be
deducted from the account and
it will be refunded back.
Customer will be informed
about it through SMS.

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Repayment
Customer Steps
Set Up - • Customer can setup
Netbanking repayment by providing
standing instructions for
auto EMI deduction via his
“Net-Banking

• Authenticate Bank account

number, IFSC Code &
Account holder Name.

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Repayment
Setup -
NACH

SETTING UP REPAYMENTS - NACH

● Customer has to download the NACH form either from their ZestMoney Profile post full
completion of loan agreement step
OR
● Ssimultaneously customers can download the NACH form from their e-mail ID (NACH form
will be sent to customers registered email id with ZestMoney)
● Ccustomer will then sign on the NACH form and upload the NACH mandate on their
respective ZestMoney profile
(Please refer next slide for NACH Do’s & Don’t’s) 13
 NACH Do’s

• NACH should be signed in black or blue ink only

• Signature on NACH should be manual and not digital
•
NACH - •
The signature should be above the name of the customer
Photo of the NACH should be taken in a proper light to
Continued avoid blurriness
• In the case of Current Account holders, a seal is
required along with signature

NACH Dont’s

• Signature should not be created via MS Paint as this will

reject the NACH mandate
Signature on the NACH should not be vertical or any or any
other direction
• Photo of the NACH should not be taken from a far distance
• A manual signature should not have any ruled paper
background or anything such
• The signature should not be in marker or sketch pen
• The signature should be neither in very large size nor in
very small size
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 Rejection:-
• In case of rejection,
the probable reason
Loan Under would be mentioned
on the screen.
Review • Customer can apply
after 90 days of the
application getting
rejected.
Loan Application Under
Review:-
Rejected • Once the bank details are
submitted and the
customer sees the NACH
page, the customer is
expected to get the
NACH filled as described
below and wait for Loan
Approval/Rejection.
• On Loan
approval/rejection a sms
and e-mail will be sent to
the customer.
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 For post-sale/post-loan activation queries, advise customer to contact
below helpline numbers.
Support
Channel for Support Channel Phone Number Email Address
Customers Available on
Chat Support NA
www.zestmoney.in
Email Support NA help@zestmoney.in
Phone Support 6269000097

Channel Working Hours

Chat Support 8 am – 12 am
Email Support 8 am – 8 pm
Phone Support 10 am - 8 pm

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Thanks!

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