UMANG ; all government departments and their services on a single platform

UMANG ; all government departments and their services on a single platform

UMANG ; all government departments and their services on a single platform to provide better and easier services to citizens

UMANG (Unified Mobile Application for New-age Governance) is envisaged to make e-governance 'mobile first'. It is developed by Ministry of Electronics and Information Technology (MeitY) and National e-Governance Division (NeGD).

It is an evolving platform designed for citizens of India to offer them access to the pan-India e-Gov services from the Central, State, Local Bodies, and Agencies of government on app, web, SMS, and IVR channels.

Key Features:

- Unified Platform: It brings together all government departments and their services on a single platform to provide better and easier services to citizens.
- Mobile First Strategy: It aligns all government services with the mobile first strategy to leverage mobile adoption trends.
- Integration with Digital India Services: It provides seamless integration with other Digital India Services like Aadhaar, DigiLocker, and PayGov. Any new such service will automatically be integrated with the platform.
- Uniform Experience: It is designed to enable citizens to discover, download, access, and use all government services easily.
- Secure and Scalable: It supports Aadhaar-based and other authentication mechanisms for service access. The sensitive profile data is saved in an encrypted format and no one can view this information.

Key Services:
UMANG provides easy access to a plethora of Indian government services ranging from – Healthcare, Finance, Education, Housing, Energy, Agriculture, Transport to even Utility and Employment and Skills.

Key Benefits for Citizens:

- Single-Point Ubiquitous Access: All government services are available for citizens on a unified platform for easy access through multiple online and offline channels (SMS, email, app, and web).
- More for Less: Only a single mobile app needs to be installed instead of each app of each department.
- Convenience: Citizens do not even need to install or update the app again to avail government services if more services are added to the platform.
- Saving of Time and Money: Citizens can anytime and anywhere avail these services through their mobile phones, desktops, and laptops without any need for visiting the department office and standing in queues.
- Uniform Experience: All the government services including payment-based transactions provide secure and uniform experience.

Umang, on the other hand, provides a completely seamless, digital and best-in-class experience for availing loans at very affordable interest rates and for long tenures so that customers can avail large loan amounts and repay comfortably.

UMANG એપ અહીંથી ડાઉનલોડ કરો

અહીંથી વાંચો સંપુર્ણ ગુજરાતી રીપોર્ટ 

 

Umang Loans makes the whole lending process digital and automated with the following key steps:

1) One tap Sign up via Google and Facebook Login
2) Customer identity validation aka KYC as per RBI norms
3) Credit evaluation using analysis of your overall financial and demographic data.
4) Loan approval
5) E-Sign Loan Agreement via OTP
6) E-mandate for loan collections/repayments & bank statement verification via netbanking
7) Disbursement

As the user navigates through the process and on completing step 6 ☑ as outlined above, the loan is disbursed instantly 🤑 (maximum 48 hours) and is credited to the customer's designated bank account.

👇 Terms:
- Loan Amount (minimum to maximum): ₹20,000 to ₹2,50,000
- Loan Repayment Period (minimum to maximum): 6 months to 24 months. We do not provide any loans with less than 60 day repayment period.
- Annual Percentage Rate, APR (minimum to Maximum): 16% - 34%
- Processing Fee (including all other fees): 2 - 5% of loan amount

Note: ％ A sample APR (Annual Percentage Rate) calculation is as shared below:
- For a loan of Rs. 200,000 at 20% interest rate per annum for tenure of 12 months, one time processing fee (say @2% of loan amount) will be Rs. 4000 and monthly EMI will be Rs. 18526/-.
- The net amount credited to you will be Rs 196,000 (post processing fee deduction) and cumulative amount paid back by you will be Rs 2,22,322/- (=Rs 18526 x 12 EMIs), leading to an APR of 24%.

💯 What you’ll Love:
✔ Instant approval and disbursements, 24/7
✔ Responsible lending
✔ Affordable and flexible interest rates based on the customer profiling process
✔ Minimal Documentation
✔ Option to apply for multiple loans