URL: http://dr.faircent.com/
Submission: On December 11 via manual from IN

Summary

This website contacted 17 IPs in 6 countries across 16 domains to perform 152 HTTP transactions. The main IP is 13.71.82.19, located in Chennai, India and belongs to MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US. The main domain is dr.faircent.com.
This is the only time dr.faircent.com was scanned on urlscan.io!

urlscan.io Verdict: No classification

Domain & IP information

IP Address AS Autonomous System
88 13.71.82.19 8075 (MICROSOFT...)
1 2a00:1450:400... 15169 (GOOGLE)
1 2a00:1450:400... 15169 (GOOGLE)
34 2600:9000:21f... 16509 (AMAZON-02)
1 2606:4700::68... 13335 (CLOUDFLAR...)
2 172.217.18.98 15169 (GOOGLE)
1 2a00:1450:400... 15169 (GOOGLE)
5 2a03:2880:f01... 32934 (FACEBOOK)
2 2620:1ec:c11:... 8068 (MICROSOFT...)
1 2 2a00:1450:400... 15169 (GOOGLE)
2 2a00:1288:f03... 10310 (YAHOO-1)
1 1 2a00:1450:400... 15169 (GOOGLE)
1 3 2a00:1450:400... 15169 (GOOGLE)
3 2a00:1450:400... 15169 (GOOGLE)
1 2a03:2880:f11... 32934 (FACEBOOK)
4 2a00:1450:400... 15169 (GOOGLE)
2 2a00:1450:400... 15169 (GOOGLE)
2 2a00:1450:400... 15169 (GOOGLE)
152 17
Domain Requested by
88 dr.faircent.com dr.faircent.com
ajax.googleapis.com
34 d1sxjd465t5upi.cloudfront.net dr.faircent.com
ajax.googleapis.com
4 fonts.gstatic.com dr.faircent.com
4 connect.facebook.net dr.faircent.com
connect.facebook.net
3 www.google.de dr.faircent.com
3 www.google.com 1 redirects dr.faircent.com
2 googleads.g.doubleclick.net www.googleadservices.com
2 www.youtube.com dr.faircent.com
ajax.googleapis.com
2 s.yimg.com dr.faircent.com
s.yimg.com
2 www.google-analytics.com 1 redirects dr.faircent.com
2 bat.bing.com dr.faircent.com
2 www.googleadservices.com dr.faircent.com
www.googletagmanager.com
1 www.facebook.com dr.faircent.com
1 staticxx.facebook.com connect.facebook.net
1 stats.g.doubleclick.net 1 redirects
1 www.googletagmanager.com dr.faircent.com
1 cdnjs.cloudflare.com dr.faircent.com
1 ajax.googleapis.com dr.faircent.com
1 fonts.googleapis.com dr.faircent.com
152 19
Subject Issuer Validity Valid
*.googleapis.com
GTS CA 1O1
2019-11-05 -
2020-01-28
3 months crt.sh
*.storage.googleapis.com
GTS CA 1O1
2019-11-13 -
2020-02-05
3 months crt.sh
*.cloudfront.net
DigiCert Global CA G2
2019-07-17 -
2020-07-05
a year crt.sh
ssl412106.cloudflaressl.com
COMODO ECC Domain Validation Secure Server CA 2
2019-12-05 -
2020-06-12
6 months crt.sh
*.google-analytics.com
GTS CA 1O1
2019-11-05 -
2020-01-28
3 months crt.sh
*.facebook.com
DigiCert SHA2 High Assurance Server CA
2019-11-06 -
2020-02-04
3 months crt.sh
www.bing.com
Microsoft IT TLS CA 2
2019-04-30 -
2021-04-30
2 years crt.sh
*.yahoo.com
DigiCert SHA2 High Assurance Server CA
2019-11-23 -
2020-01-07
a month crt.sh
www.google.de
GTS CA 1O1
2019-11-05 -
2020-01-28
3 months crt.sh
*.google.com
GTS CA 1O1
2019-11-05 -
2020-01-28
3 months crt.sh
*.g.doubleclick.net
GTS CA 1O1
2019-11-13 -
2020-02-05
3 months crt.sh
www.google.com
GTS CA 1O1
2019-11-13 -
2020-02-05
3 months crt.sh

This page contains 4 frames:

Primary Page: http://dr.faircent.com/
Frame ID: 9C3F98BD5E0CD73FA9F7234247F492C1
Requests: 149 HTTP requests in this frame

Frame: https://staticxx.facebook.com/connect/xd_arbiter.php?version=44
Frame ID: 18BA36363139FF37FF5D7BD142CA832C
Requests: 1 HTTP requests in this frame

Frame: https://www.youtube.com/embed/8BHeE6OiusU
Frame ID: 9476592080F97CD9E1741055271772DF
Requests: 1 HTTP requests in this frame

Frame: https://www.youtube.com/embed/9jQdjDmnOtk?rel=0
Frame ID: B454AB4915E873462C3FD4A44FA1711B
Requests: 1 HTTP requests in this frame

Screenshot


Detected technologies

Overall confidence: 100%
Detected patterns
  • script /drupal\.js/i
  • headers expires /19 Nov 1978/i

Overall confidence: 100%
Detected patterns
  • script /drupal\.js/i
  • headers expires /19 Nov 1978/i

Overall confidence: 100%
Detected patterns
  • headers server /Ubuntu/i

Overall confidence: 100%
Detected patterns
  • script /(?:\/([\d.]+))?(?:\/js)?\/bootstrap(?:\.min)?\.js/i

Overall confidence: 100%
Detected patterns
  • headers server /(?:Apache(?:$|\/([\d.]+)|[^\/-])|(?:^|\b)HTTPD)/i

Overall confidence: 100%
Detected patterns
  • script /\/\/connect\.facebook\.net\/[^\/]*\/[a-z]*\.js/i

Overall confidence: 100%
Detected patterns
  • script /google-analytics\.com\/(?:ga|urchin|analytics)\.js/i

Overall confidence: 100%
Detected patterns
  • html /<link[^>]* href=[^>]+fonts\.(?:googleapis|google)\.com/i

Overall confidence: 100%
Detected patterns
  • script /jquery.*\.js(?:\?ver(?:sion)?=([\d.]+))?/i

Page Statistics

152
Requests

41 %
HTTPS

89 %
IPv6

16
Domains

19
Subdomains

17
IPs

6
Countries

1881 kB
Transfer

3944 kB
Size

4
Cookies

Redirected requests

There were HTTP redirect chains for the following requests:

Request Chain 105
  • http://connect.facebook.net/en_EN/sdk.js HTTP 307
  • https://connect.facebook.net/en_EN/sdk.js
Request Chain 107
  • http://bat.bing.com/bat.js HTTP 307
  • https://bat.bing.com/bat.js
Request Chain 108
  • http://www.google-analytics.com/analytics.js HTTP 307
  • https://www.google-analytics.com/analytics.js
Request Chain 112
  • http://www.google-analytics.com/r/collect?v=1&_v=j79&a=758719281&t=pageview&_s=1&dl=http%3A%2F%2Fdr.faircent.com%2F&ul=en-us&de=UTF-8&dt=Faircent%3A%20Peer%20to%20Peer%20Lending%20India%20%7C%20P2P%20Loan%20%7C%20P2P%20Lending%20India&sd=24-bit&sr=1600x1200&vp=1600x1200&je=0&_u=IEBAAAAB~&jid=1982361731&gjid=687176935&cid=574859682.1576049434&tid=UA-45126708-1&_gid=395563219.1576049434&_r=1&z=2065494018 HTTP 307
  • https://www.google-analytics.com/r/collect?v=1&_v=j79&a=758719281&t=pageview&_s=1&dl=http%3A%2F%2Fdr.faircent.com%2F&ul=en-us&de=UTF-8&dt=Faircent%3A%20Peer%20to%20Peer%20Lending%20India%20%7C%20P2P%20Loan%20%7C%20P2P%20Lending%20India&sd=24-bit&sr=1600x1200&vp=1600x1200&je=0&_u=IEBAAAAB~&jid=1982361731&gjid=687176935&cid=574859682.1576049434&tid=UA-45126708-1&_gid=395563219.1576049434&_r=1&z=2065494018 HTTP 302
  • https://stats.g.doubleclick.net/r/collect?v=1&aip=1&t=dc&_r=3&tid=UA-45126708-1&cid=574859682.1576049434&jid=1982361731&_gid=395563219.1576049434&gjid=687176935&_v=j79&z=2065494018 HTTP 302
  • https://www.google.com/ads/ga-audiences?v=1&aip=1&t=sr&_r=4&tid=UA-45126708-1&cid=574859682.1576049434&jid=1982361731&_v=j79&z=2065494018 HTTP 302
  • https://www.google.de/ads/ga-audiences?v=1&aip=1&t=sr&_r=4&tid=UA-45126708-1&cid=574859682.1576049434&jid=1982361731&_v=j79&z=2065494018&slf_rd=1&random=2656132911
Request Chain 113
  • http://bat.bing.com/action/0?ti=5117852&Ver=2&mid=7b5685a5-ecce-1338-370b-5cd1ddd1a4da&pi=0&lg=en-US&sw=1600&sh=1200&sc=24&tl=Faircent%3A%20Peer%20to%20Peer%20Lending%20India%20%7C%20P2P%20Loan%20%7C%20P2P%20Lending%20India&kw=Faircent,%20P2P%20Loans%20India,%20P2P%20Lending,%20Peer%20to%20Peer,%20P2P%20Lending%20India,%20Peer%20to%20Peer%20Lending,%20Online%20Lending,%20Instant%20Loan,%20Peer%20to%20Peer%20Lending%20India,%20Online%20Money%20Lenders%20in%20India,%20P2P%20Loan,%20Peer%20to%20Peer%20Lending%20in%20India&p=http%3A%2F%2Fdr.faircent.com%2F&r=&evt=pageLoad&msclkid=N&rn=712519 HTTP 307
  • https://bat.bing.com/action/0?ti=5117852&Ver=2&mid=7b5685a5-ecce-1338-370b-5cd1ddd1a4da&pi=0&lg=en-US&sw=1600&sh=1200&sc=24&tl=Faircent%3A%20Peer%20to%20Peer%20Lending%20India%20%7C%20P2P%20Loan%20%7C%20P2P%20Lending%20India&kw=Faircent,%20P2P%20Loans%20India,%20P2P%20Lending,%20Peer%20to%20Peer,%20P2P%20Lending%20India,%20Peer%20to%20Peer%20Lending,%20Online%20Lending,%20Instant%20Loan,%20Peer%20to%20Peer%20Lending%20India,%20Online%20Money%20Lenders%20in%20India,%20P2P%20Loan,%20Peer%20to%20Peer%20Lending%20in%20India&p=http%3A%2F%2Fdr.faircent.com%2F&r=&evt=pageLoad&msclkid=N&rn=712519

152 HTTP transactions

Resource
Path
Size
x-fer
Type
MIME-Type
Primary Request /
dr.faircent.com/
146 KB
28 KB
Document
General
Full URL
http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
17d6f371d0479417131225d29cc8f210c1e46961becabb84e03ede77a8727b0b
Security Headers
Name Value
X-Content-Type-Options nosniff

Request headers

Host
dr.faircent.com
Connection
keep-alive
Pragma
no-cache
Cache-Control
no-cache
Upgrade-Insecure-Requests
1
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36
Accept
text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3
Accept-Encoding
gzip, deflate
Upgrade-Insecure-Requests
1
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:31 GMT
Server
Apache/2.4.18 (Ubuntu)
Expires
Sun, 19 Nov 1978 05:00:00 GMT
Cache-Control
no-cache, must-revalidate, post-check=0, pre-check=0
X-Content-Type-Options
nosniff
Content-Language
en
Vary
Accept-Encoding
Content-Encoding
gzip
Content-Length
28667
Keep-Alive
timeout=5, max=100
Connection
Keep-Alive
Content-Type
text/html; charset=utf-8
system.base.css
dr.faircent.com/modules/system/
5 KB
2 KB
Stylesheet
General
Full URL
http://dr.faircent.com/modules/system/system.base.css?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
bf6028e15a460586c16adb0210d268374501f60ecf36f11e554e2ffd089c636b

Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Fri, 29 Nov 2019 10:29:09 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"1534-59879b342a6a0-gzip"
Vary
Accept-Encoding
Content-Type
text/css
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=100
Content-Length
1883
bootstrap-datetimepicker.min.css
dr.faircent.com/sites/all/modules/ops_dashboard/cheque_management/css/
12 KB
2 KB
Stylesheet
General
Full URL
http://dr.faircent.com/sites/all/modules/ops_dashboard/cheque_management/css/bootstrap-datetimepicker.min.css?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
0ea911cf89abeb3c5475c11b5634e7a5ef8f390ff8cb567e7e285d2cfade25d3

Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"2f69-5986797138092-gzip"
Vary
Accept-Encoding
Content-Type
text/css
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=99
Content-Length
1706
modal.css
dr.faircent.com/sites/all/modules/contribute/ctools/css/
2 KB
1 KB
Stylesheet
General
Full URL
http://dr.faircent.com/sites/all/modules/contribute/ctools/css/modal.css?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
25fd3950deb1e845c75f9ba6603ca773e739bef1eb2ab235158702d946013cfa

Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Fri, 29 Nov 2019 10:29:09 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"9cc-59879b3442d43-gzip"
Vary
Accept-Encoding
Content-Type
text/css
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=100
Content-Length
732
css
fonts.googleapis.com/
12 KB
1 KB
Stylesheet
General
Full URL
https://fonts.googleapis.com/css?family=Open+Sans:400,300,600,700,800&q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
H2
Security
TLS 1.3, , AES_128_GCM
Server
2a00:1450:4001:824::200a Frankfurt am Main, Germany, ASN15169 (GOOGLE - Google LLC, US),
Reverse DNS
Software
ESF /
Resource Hash
69027204f18bef3a3126cad6b61a5a480f8c3f1b7cf29b5739df72a18039b1b7
Security Headers
Name Value
Strict-Transport-Security max-age=31536000
X-Frame-Options SAMEORIGIN
X-Xss-Protection 0

Request headers

Referer
http://dr.faircent.com/
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

strict-transport-security
max-age=31536000
content-encoding
br
last-modified
Wed, 11 Dec 2019 07:30:32 GMT
server
ESF
access-control-allow-origin
*
date
Wed, 11 Dec 2019 07:30:32 GMT
x-frame-options
SAMEORIGIN
content-type
text/css; charset=utf-8
status
200
alt-svc
quic=":443"; ma=2592000; v="46,43",h3-Q050=":443"; ma=2592000,h3-Q049=":443"; ma=2592000,h3-Q048=":443"; ma=2592000,h3-Q046=":443"; ma=2592000,h3-Q043=":443"; ma=2592000
cache-control
private, max-age=86400, stale-while-revalidate=604800
timing-allow-origin
*
link
<https://fonts.gstatic.com>; rel=preconnect; crossorigin
x-xss-protection
0
expires
Wed, 11 Dec 2019 07:30:32 GMT
font-awesome.css
dr.faircent.com/sites/all/themes/media-responsive-theme/css/
21 KB
5 KB
Stylesheet
General
Full URL
http://dr.faircent.com/sites/all/themes/media-responsive-theme/css/font-awesome.css?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
3083e8d3b21ddc3f0e6d65ec3580aa6edfaadca5d9737d9caa27e6a233e1ccf3

Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"549a-598679714b915-gzip"
Vary
Accept-Encoding
Content-Type
text/css
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=100
Content-Length
4286
jquery.js
dr.faircent.com/misc/
77 KB
27 KB
Script
General
Full URL
http://dr.faircent.com/misc/jquery.js?v=1.4.4
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
261ae472fa0cbf27c80c9200a1599a60fde581a0e652eee4bf41def8cb61f2d0

Request headers

Referer
http://dr.faircent.com/
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Fri, 29 Nov 2019 10:29:09 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"1330a-59879b341bc3e-gzip"
Vary
Accept-Encoding
Content-Type
application/javascript
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=97
Content-Length
27074
drupal.js
dr.faircent.com/misc/
5 KB
2 KB
Script
General
Full URL
http://dr.faircent.com/misc/drupal.js?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
1dc64b0c2558c520047786608c62a39ff311854e104225a8d0d62f03f5663dfe

Request headers

Referer
http://dr.faircent.com/
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Fri, 29 Nov 2019 10:29:09 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"15a7-59879b341bc3e-gzip"
Vary
Accept-Encoding
Content-Type
application/javascript
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=97
Content-Length
2053
bootstrap-select.min.js
dr.faircent.com/sites/all/modules/ops_dashboard/cheque_management/js/
31 KB
9 KB
Script
General
Full URL
http://dr.faircent.com/sites/all/modules/ops_dashboard/cheque_management/js/bootstrap-select.min.js?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
75448633202b5a78f8e3901170686ccc07b4ece817113f25987f2c20f021430b

Request headers

Referer
http://dr.faircent.com/
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"7bce-598679713af73-gzip"
Vary
Accept-Encoding
Content-Type
application/javascript
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
timeout=5, max=97
Content-Length
9122
fb.js
dr.faircent.com/sites/all/modules/contribute/fb/
7 KB
3 KB
Script
General
Full URL
http://dr.faircent.com/sites/all/modules/contribute/fb/fb.js?q23eko
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
80a88ac5f075ebade60589494d50a325d253f86e599f7a84bb0504c545e0dba9

Request headers

Referer
http://dr.faircent.com/
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
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Protocol
HTTP/1.1
Server
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Response headers

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Protocol
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Response headers

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Content-Encoding
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Response headers

Date
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Protocol
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Request headers

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Response headers

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Request headers

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Response headers

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Protocol
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Request headers

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Response headers

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Response headers

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Protocol
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Server
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Request headers

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Response headers

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Request headers

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Protocol
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Server
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Request headers

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User-Agent
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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
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Host: dr.faircent.com
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Protocol
HTTP/1.1
Server
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Request headers

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Response headers

Date
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Date
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Date
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Response headers

Date
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Protocol
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Response headers

Date
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Protocol
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Response headers

Date
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Last-Modified
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Date
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Date
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Date
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Date
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Date
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Date
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Date
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Date
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Content-Encoding
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Request headers

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Date
Wed, 11 Dec 2019 07:30:33 GMT
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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
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Server
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Protocol
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Request headers

Referer
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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
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Server
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Protocol
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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
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Protocol
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Request headers

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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
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Server
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Protocol
HTTP/1.1
Server
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Reverse DNS
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Request headers

Referer
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User-Agent
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Response headers

Date
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Content-Encoding
gzip
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Server
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Protocol
HTTP/1.1
Server
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Request headers

Referer
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User-Agent
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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
Last-Modified
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Server
Apache/2.4.18 (Ubuntu)
ETag
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Stylesheet
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Full URL
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Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
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Resource Hash
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Request headers

Referer
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User-Agent
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Response headers

Date
Wed, 11 Dec 2019 07:30:33 GMT
Content-Encoding
gzip
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Server
Apache/2.4.18 (Ubuntu)
ETag
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Image
General
Full URL
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Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
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Request headers

Referer
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User-Agent
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Response headers

Date
Wed, 11 Dec 2019 07:30:35 GMT
Last-Modified
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Server
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Image
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Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
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Request headers

Referer
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User-Agent
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Response headers

Date
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Last-Modified
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Apache/2.4.18 (Ubuntu)
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Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
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Request headers

Referer
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User-Agent
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Response headers

Date
Wed, 11 Dec 2019 07:30:35 GMT
Last-Modified
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Server
Apache/2.4.18 (Ubuntu)
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Protocol
HTTP/1.1
Server
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Request headers

Referer
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Response headers

Date
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Last-Modified
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URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
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Request headers

Referer
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Response headers

Date
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Last-Modified
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Protocol
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Request headers

Referer
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Response headers

Date
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Last-Modified
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Protocol
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Request headers

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Response headers

Date
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Request headers

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x-amz-cf-pop
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Request headers

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x-amz-cf-pop
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URL: http://dr.faircent.com/
Protocol
H2
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2600:9000:21f3:dc00:5:7b3e:ed80:21 , United States, ASN16509 (AMAZON-02 - Amazon.com, Inc., US),
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Request headers

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x-amz-cf-pop
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Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
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Request headers

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Date
Wed, 11 Dec 2019 07:30:34 GMT
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Protocol
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Request headers

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Response headers

Date
Wed, 11 Dec 2019 07:30:34 GMT
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Protocol
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Request headers

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Response headers

Date
Wed, 11 Dec 2019 07:30:34 GMT
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server
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x-amz-cf-pop
FRA2-C2
etag
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Miss from cloudfront
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date
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via
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last-modified
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server
AmazonS3
x-amz-cf-pop
FRA2-C2
etag
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Miss from cloudfront
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Protocol
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Response headers

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Request headers

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Response headers

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Content-Encoding
gzip
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Full URL
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content-encoding
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Response headers

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Protocol
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Response headers

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Response headers

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Protocol
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Response headers

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Location
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Reverse DNS
Software
proxygen-bolt /
Resource Hash
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Security Headers
Name Value
Strict-Transport-Security max-age=31536000; includeSubDomains

Request headers

Referer
http://dr.faircent.com/
User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36

Response headers

date
Wed, 11 Dec 2019 07:30:34 GMT
last-modified
Fri, 21 Dec 2012 00:00:01 GMT
server
proxygen-bolt
strict-transport-security
max-age=31536000; includeSubDomains
content-type
image/gif
status
200
cache-control
no-cache, must-revalidate, max-age=0
alt-svc
h3-24=":443"; ma=3600
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expires
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OpenSans-Bold.woff
dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/
113 KB
113 KB
Font
General
Full URL
http://dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/OpenSans-Bold.woff
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
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Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36
Referer
http://dr.faircent.com/sites/all/themes/media-responsive-theme/bootstrap.min.css?q23eko
Origin
http://dr.faircent.com

Response headers

Date
Wed, 11 Dec 2019 07:30:34 GMT
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"1c2f8-59867971516d6"
Content-Type
application/font-woff
Connection
Keep-Alive
Accept-Ranges
bytes
Keep-Alive
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dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/
43 KB
44 KB
Font
General
Full URL
http://dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/fontawesome-webfont.woff?v=4.0.3
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
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Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36
Referer
http://dr.faircent.com/sites/all/themes/media-responsive-theme/css/font-awesome.css?q23eko
Origin
http://dr.faircent.com

Response headers

Date
Wed, 11 Dec 2019 07:30:34 GMT
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"ad90-59867971545b7"
Content-Type
application/font-woff
Connection
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Accept-Ranges
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Keep-Alive
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44432
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112 KB
113 KB
Font
General
Full URL
http://dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/OpenSans-Semibold.woff
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
41c4efe4483587698f2bce8d0d7f702649ff822d3e29132eea6fe517c0cf3bf9

Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36
Referer
http://dr.faircent.com/sites/all/themes/media-responsive-theme/bootstrap.min.css?q23eko
Origin
http://dr.faircent.com

Response headers

Date
Wed, 11 Dec 2019 07:30:34 GMT
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"1c124-5986797153617"
Content-Type
application/font-woff
Connection
Keep-Alive
Accept-Ranges
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114980
rupee_foradian-webfont.woff
dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/
25 KB
26 KB
Font
General
Full URL
http://dr.faircent.com/sites/all/themes/media-responsive-theme/fonts/rupee_foradian-webfont.woff
Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
Apache/2.4.18 (Ubuntu) /
Resource Hash
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Request headers

User-Agent
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/74.0.3729.169 Safari/537.36
Referer
http://dr.faircent.com/sites/all/themes/media-responsive-theme/bootstrap.min.css?q23eko
Origin
http://dr.faircent.com

Response headers

Date
Wed, 11 Dec 2019 07:30:34 GMT
Last-Modified
Thu, 28 Nov 2019 12:52:47 GMT
Server
Apache/2.4.18 (Ubuntu)
ETag
"6590-5986797155557"
Content-Type
application/font-woff
Connection
Keep-Alive
Accept-Ranges
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Font
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Full URL
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Requested by
Host: dr.faircent.com
URL: http://dr.faircent.com/
Protocol
H2
Security
TLS 1.3, , AES_128_GCM
Server
2a00:1450:4001:818::2003 Frankfurt am Main, Germany, ASN15169 (GOOGLE - Google LLC, US),
Reverse DNS
Software
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Resource Hash
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Request headers

User-Agent
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Referer
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Response headers

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Thu, 21 Nov 2019 07:12:32 GMT
x-content-type-options
nosniff
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server
sffe
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1729082
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9 KB
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Full URL
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Requested by
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Protocol
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Security
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Resource Hash
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Security Headers
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Request headers

User-Agent
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Referer
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Response headers

date
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x-content-type-options
nosniff
last-modified
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server
sffe
age
1693027
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General
Full URL
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URL: http://dr.faircent.com/
Protocol
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Security
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Server
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Software
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Resource Hash
Security Headers
Name Value
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Request headers

:method
GET
:authority
www.youtube.com
:scheme
https
:path
/embed/8BHeE6OiusU
pragma
no-cache
cache-control
no-cache
upgrade-insecure-requests
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user-agent
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sec-fetch-site
cross-site
sec-fetch-mode
nested-navigate
referer
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Response headers

status
200
x-content-type-options
nosniff
content-type
text/html; charset=utf-8
expires
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cache-control
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Requested by
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Protocol
HTTP/1.1
Server
13.71.82.19 Chennai, India, ASN8075 (MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US),
Reverse DNS
Software
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Resource Hash
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Response headers

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nosniff
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Request headers

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Response headers

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Response headers

date
Tue, 10 Dec 2019 08:21:17 GMT
x-content-type-options
nosniff
last-modified
Tue, 23 Jul 2019 19:30:37 GMT
server
sffe
age
83357
content-type
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200
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General
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content-encoding
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General
Full URL
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URL: https://www.googletagmanager.com/gtag/js?id=AW-975412416
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H2
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TLS 1.3, , AES_128_GCM
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content-encoding
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x-content-type-options
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p3p
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content-disposition
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H2
Security
TLS 1.3, , AES_128_GCM
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pragma
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date
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content-encoding
gzip
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content-type
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expires
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H2
Security
TLS 1.3, , AES_128_GCM
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Response headers

pragma
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x-content-type-options
nosniff
content-type
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server
cafe
p3p
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status
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cache-control
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TLS 1.3, , AES_128_GCM
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x-content-type-options
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content-type
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cafe
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Protocol
H2
Security
TLS 1.3, , AES_128_GCM
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x-content-type-options
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cafe
p3p
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status
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cache-control
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Protocol
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Request headers

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Response headers

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Verdicts & Comments Add Verdict or Comment

120 JavaScript Global Variables

These are the non-standard "global" variables defined on the window object. These can be helpful in identifying possible client-side frameworks and code.

object| onformdata object| onpointerrawupdate function| $ function| jQuery object| Drupal function| FB_JS function| fbAsyncInit function| CBPFWTabs object| jQuery111107899573180838488 function| fbq function| _fbq object| uetq string| GoogleAnalyticsObject function| ga object| dotq object| Shadowbox object| FB object| google_tag_data object| gaplugins object| gaGlobal object| gaData function| UET object| html5 object| Modernizr function| yepnope object| YAHOO undefined| I13N_Conf undefined| YWA_Global_Conf function| message_reset function| show_cart function| checkout function| show_settings function| mamage_dropdown function| close_dropdown object| config number| googleLT_ object| google function| google_exportSymbol function| google_exportProperty object| ranges function| insta_loan_details function| investment_diversification function| removeclass object| jQuery191025247163610009427 function| notifyMe function| calculate object| google_conversion_id object| google_custom_params object| google_remarketing_only function| GooglemKTybQhCsO object| google_conversion_date object| google_conversion_time number| google_conversion_snippets number| google_conversion_first_time object| google_conversion_js_version object| google_conversion_format object| google_enable_display_cookie_match object| google_conversion_type object| google_conversion_order_id object| google_conversion_language object| google_conversion_value object| google_conversion_evaluemrc object| google_conversion_currency object| google_conversion_domain object| google_conversion_label object| google_conversion_color object| google_disable_viewthrough object| google_gtag_event_data object| google_conversion_linker object| google_tag_for_child_directed_treatment object| google_tag_for_under_age_of_consent object| google_allow_ad_personalization_signals object| google_restricted_data_processing object| google_conversion_items object| google_conversion_merchant_id object| google_user_id object| onload_callback object| opt_image_generator object| google_conversion_page_url object| google_conversion_referrer_url object| google_gtm object| google_gcl_cookie_prefix object| google_read_gcl_cookie_opt_out object| google_basket_feed_country object| google_basket_feed_language object| google_basket_discount object| google_basket_transaction_type object| google_disable_merchant_reported_conversions object| google_additional_conversion_params object| google_transport_url function| gtag object| dataLayer undefined| e object| google_tag_manager function| Color function| Chart function| google_trackConversion object| GooglebQhCsO string| root number| percentComplete function| test function| validFileSize function| deleteimg function| testslider function| checkFileExtentsion function| deleteimg_new function| uploadProgress object| name_array string| name_visible number| global_j number| flush number| start_again_borrowers number| start_again_lenders object| all_options_borrowers object| all_options_lenders function| abc function| abc2 function| abc3 function| reuse object| api_data

4 Cookies

Domain/Path Name / Value
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Value: HzhsVs7vLNE
.youtube.com/ Name: GPS
Value: 1
.youtube.com/ Name: PREF
Value: f1=50000000
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Value: zs-8T-PBj_Q

1 Console Messages

Source Level URL
Text
console-api log (Line 17)
Message:
{"lenderapidata":[{"question":"Is P2P lending legal in India? Is Faircent.com regulated?","answer":"Yes, P2P lending is regulated by RBI and recognized as NBFC-P2P. Faircent.com is India’s first P2P lending platform to receive Certificate of Registration (CoR) as an NBFC-P2P."},{"question":"Can I lend more than once? Is there a cap on the number of borrowers I can fund?","answer":"We encourage you to lend to multiple borrowers. No, there is no cap on the number of borrowers. The more the better. In fact, we encourage you to lend to multiple borrowers by building an investment portfolio with at least 100 borrowers. We encourage you to use automated systems such as Auto-Invest to conveniently build a diversified portfolio spread across multiple loans. Also, as per RBI regulations you cannot invest more than Rs. 10 lacs across all P2P lending platforms and not more than Rs 50,000 per borrower."},{"question":"What is the maximum amount I can invest in one borrower?","answer":"An individual lender can invest up to 20%, HNIs (High Net Worth Individual’s) up to 50% and institutional lenders up to 100% of the total loan amount requested by an individual borrower; however, it cannot exceed Rs 50,000 per borrower as stipulated in RBI P2P guidelines. This policy is to hedge the risk of the lenders by spreading their investments across borrowers."},{"question":"How can I see the returns on my investment that I have made over a period of time?","answer":"All information pertaining to investments, returns, EMIs, repayments and defaults (if any) across risk buckets is available on your account overview page. All detailed analysis of returns – past and expected – is available on the Reports section of the dashboard."},{"question":"How are repayments calculated?","answer":"Repayments are equated monthly installments (EMIs) calculated using the reducing balance method. Your installment per month will remain the same throughout the tenure of your loan. The first installment may be different depending on the date of disbursal."},{"question":"Can I choose the date to get my repayments?","answer":"No, repayment dates are fixed between 1st to 15th of every month by the Faircent support team depending on the salary credit date of the borrower. "},{"question":"What kind of rate of interest are charged on a loan?","answer":"We have an automated underwriting engine, which assigns a rate of interest to each loan depending on the credit-evaluation of the borrower by our fully-automated mechanism. It ranges between 12% p.a to 24% p.a. Unrated Borrowers are listed at 36% p.a or above. New products are often launched at various interest rates and the same are updated on the website. Currently, a new loan product is available at an interest rate of 9.99% p.a for credit-worthy borrowers."},{"question":"How can I control the returns from my investment?","answer":"You can control your returns by spreading your investment across various borrowers at different loan amounts and rate of interest. We recommend that investment should be spread, such that returns are a weighted average of the individual loan parts. This is explained through an illustration below.\n\t<br><br>On a loan of Rs. 150,000 spread across 3 borrowers, for a period of 1 year at various interest rates; the returns can be as follows:\n\t<table class=\"table table-bordered\" style=\"margin-top:10px;\">\n\t<thead style=\"background:#eee;font-weight:bold;\">\n\t\t<tr>\t\n\t\t\t<th style=\"border: 1px solid #ddd !important;\">Borrower</th>\n\t\t\t<th style=\"border: 1px solid #ddd !important;\">Amount Lent</th>\n\t\t\t<th style=\"border: 1px solid #ddd !important;\">Rate</th>\n\t\t\t<th style=\"border: 1px solid #ddd !important;\">Interest Earning</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>Mr. X</td>\n\t\t\t<td>Rs.50,000</td>\n\t\t\t<td>12% p.a.</td>\n\t\t\t<td>Rs.3,309</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Mr.Y</td>\n\t\t\t<td>Rs.50,000</td>\n\t\t\t<td>16% p.a.</td>\n\t\t\t<td>Rs.4,439</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Mr.Z</td>\n\t\t\t<td>Rs.50,000</td>\n\t\t\t<td>20% p.a.</td>\n\t\t\t<td>Rs.5,581</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>TOTAL</strong></td>\n\t\t\t<td><strong>150,000</strong></td>\n\t\t\t<td><strong>16% p.a.</strong></td>\n\t\t\t<td><strong>Rs.13,329</strong></td>\n\t\t</tr>\n\t</tbody>\n</table>\n\t<p>So, in the example above the lender is earning on an average 16% interest on total investment. Also, Interest earnings can be more or less depending on loan amount split across interest rates. For egs the lender may decide to lend only Rs. 20,000/- @ 12% and increase the amount to Rs. 60,000/- @ 16% and to Rs. 70,000/- @ 20%. This will increase the lender’s average return. At Faircent, what amount to lend at what interest rate is controlled by the lender depending on his/her judgment.</p>"},{"question":"What are the risks? How is the risk managed?","answer":"As with any lending, there are some risks, the biggest being that a borrower doesn’t repay. At Faircent we try to keep this risk to a minimum by \n\t<ul class=\"risk-lists-area\">\n\t\t<li>Ensuring that every borrower registered with us is identity-checked, credit-checked and risk-assessed by our experienced team. </li>\n\t\t<li>All documents are verified for forgery using state-of-the-art technology.</li>\n\t\t<li>All borrowers have to pass physical verification at both residence and office.</li>\n\t\t<li>We encourage you to spread your investment across a number of borrowers to reduce risk. At Faircent, we don’t allow individual investors to fund more than 20% of a borrower’s fund requirement and not more than Rs.50,000. </li>\n\t\t<li>The loan is disbursed only after the borrower signs a legally-bound loan agreement. </li>\n\t\t<li>We collect post-dated cheques from the borrower at the time of signing of the loan agreement and bank them when the borrower does not pay even after repeated follow ups. </li>\n\t\t<li>Auto reminders (SMS and Call) are sent to all borrowers 3-5 days before the EMI due date. </li>\n\t\t<li>In case of default, Faircent will facilitate the collection through our in-house collection mechanism and also send a legal notice on behalf of the lender to the borrower.</li>\n\t\t<li>In case the money is still not recovered we hire reputed, legally-compliant, recovery agencies. The expenses incurred by the recovery agency will be borne by the lender.</li>\n\t\t<li>If the borrower still does not pay, then the lender can directly seek legal recourse as the agreement is between him/her and the borrower, Faircent also provide legal recourse support on behalf of lenders where service costs are charged to lenders. </li>\n\t</ul><br/>\n\tThough we do our best to manage the risk at every step, defaults can happen. We encourage you to read and understand the Terms and Conditions of Use and Faircent Policy clearly before investing.\n\t"},{"question":"What is the recovery process followed by Faircent?","answer":"In case of default, Faircent follows a 4-step soft recovery process to collect pending payments on behalf of Lenders\n\t\t<ul class=\"risk-lists-area\">\n\t\t<li>In-house collection team establishes communication with defaulting borrower and follows-up for pending payments (Call/SMS)</li>\n\t\t<li>Legally-compliant collection agencies follow-up</li>\n\t\t<li>Legal-notice is sent on behalf of the lenders</li>\n\t\t<li>Legally-compliant recovery agencies try to recover pending amount on behalf of lenders</li>\n\t\t</ul>\n\t\tAll collection and recovery related activity undertaken on defaults, if any, is updated on lender’s dashboard on real-time basis with last action taken. Hence, the lender is not dependent on human interface to stay updated on all phases of recovery and can do so by simply logging in to his account.<br/>\n\t\tPlease note that Faircent provides only automated collections support for Unrated Borrowers. Expenses incurred for sending legal notices and by recovery agency are borne by the lender. Collection and Recovery Process is on best-effort basis which may not result in recovery and hence the risk of loss of both principal and interest exists. \n\t"},{"question":"What penalties are applicable in case of delayed or non-payment by Borrowers?","answer":"In case the EMI is not paid by the due date (delayed), an additional penal interest of 18% p.a on the amount due for time period lapsed after the due date. <br/>In the worst-case scenario, Faircent will send a legal notice on behalf of the lender to the borrower. In case the money is still not recovered we hire reputed, legally-compliant, recovery agencies. The expenses incurred for sending the legal notice and by the recovery agency will be borne by the lender. <br/>For example, say the amount to be recovered was Rs. 200/- and the recovery agency recovers Rs. 150/- then they will deduct their charges (say, Rs. 20/-) and return the balance Rs. 130/- to the lender."},{"question":"Are the returns guaranteed or is it speculative in nature?","answer":"Faircent does not guarantee any assured returns. We encourage you to read and understand the Terms and Conditions of Use and Faircent Policy clearly before investing. "},{"question":"How safe is my money? Does Faircent insure my money? Does Faircent take any collateral security from the borrower?","answer":"All borrowers listed in the Faircent marketplace are curated through various data points. In fact, Faircent has a strict borrower selection criterion. This is unsecured lending and we do not take any collateral security from the borrowers. Lenders can seek legal help and Faircent also has a soft recovery and collections process to ensure the safety of the monies invested through the platform. However, you must understand that this does not ensure guaranteed returns or zero defaults. Your money is not insured and is not risk-free. Defaults can and do happen. Please read and understand Terms and Conditions before investing. Contact Us for any clarifications."},{"question":"How can I fund or recharge my escrow account?","answer":"You can fund or recharge the Lender Escrow account using the payment methods:\n\t\t<ul class=\"risk-lists-area\">\n\t\t<li>NEFT/RTGS</li>\n\t\t<li>Netbanking/Debit card</li>\n\t\t<li>UPI</li>\n\t\t<li>PayTM</li>\n\t\t<li>Cheque</li>\n\t\t</ul>"},{"question":"I used UPI payment method to recharge my Lender Escrow account. Why is the transaction not reflecting?","answer":"Any delay in the recharge reflecting in the lender’s escrow account when using the UPI payment method could be due to any of the following reasons:\n\t\t<ul class=\"risk-lists-area\">\n\t\t<li>Scan the UPI QR code properly using an app on mobile that supports UPI. If you do not do a fresh QR code scan, then transaction may get delayed and will not reflect immediately in the Escrow passbook.</li>\n\t\t<li>Recharge only through the Faircent App or website. If you do not go through the Faircent App or Website while making a UPI transfer, your virtual escrow account details are not known to the system. In this case the transaction is not reflected immediately in the Escrow and needs to be reconciled manually. Hence, when using UPI, do not recharge directly through any other payment gateway like Google Pay or Bhim etc.</li>\n\t\t</ul>"},{"question":"I prefer to recharge my Lender Escrow account directly from my bank account. What precautions should I take?","answer":"Please keep the following in mind to ensure smooth transactions when recharging from your bank account:\n\t\t<ul class=\"risk-lists-area\">\n\t\t<li>Currently, the system does not support IMPS and hence you can use only RTGS/NEFT facility</li>\n\t\t<li>Make sure you have entered the correct account number, IFSC code and amount as provided by Faircent team. Do cross check to make sure.</li>\n\t\t<li>When transferring funds from any bank other than ICICI bank, please ensure that you choose the option “Transfer to the same bank”</li>\n\t\t<li>When transferring funds from any bank other than ICICI bank, please ensure that you choose the option “Transfer to other bank”</li>\n\t\t</ul>"},{"question":"Which payment mode should I use when recharging my escrow account through PayTM?","answer":"While recharging through the PayTM option, wallet is selected as a default mode. The same can be changed to debit card, net banking or UPI, as convenient. Net banking has the lowest fees applicable and hence could be preferred over other modes."},{"question":"Do I need to inform Faircent after recharging my Lender’s escrow account?","answer":"While it is not mandatory to inform (except in case of cheque deposits), in order to ensure smooth recharge please do share screenshot, especially for NEFT transactions, with your portfolio manager. If screenshot is not available then send an email with details such as mode of payment, Lender Investment ID, Transaction ID."},{"question":"How can I recharge my escrow account through cheque deposits and inform Faircent?","answer":"Cheques for the desired amount can be deposited directly in to Faircent’s bank account. Bank account name and number can be provided by your point of contact or portfolio manager. It is mandatory to share cheque details and deposit date and amount with your portfolio manager so that your escrow account can be updated once the cheque clears."},{"question":"Do I have to put money upfront into my Faircent account?","answer":"Yes. To ensure secure, fast and smooth transfer of funds with every transaction on the platform, Faircent has opened a Lenders Escrow account with ICICI Bank under the trusteeship of IDBI. Lender’s will get a virtual account number with an IFSC code linked to escrow account. They need to transfer the amount they wish to invest through Faircent into this virtual account. Once their loan transactions with the borrower is complete, Faircent will transfer the amount from the Escrow account directly to the borrower’s bank account."},{"question":"What is the Lenders Escrow account? How does it work? ","answer":"To ensure secure, fast and smooth transfer of funds with every transaction on the platform, Faircent has opened a Lenders Escrow account under the trusteeship of IDBI. Lender’s will get a virtual account number with an IFSC code linked to escrow account. They need to transfer the amount they wish to invest through Faircent into this virtual account. Once their loan transactions with the borrowers is complete, Faircent will transfer the amount from the Escrow account directly to the borrower’s bank account. The salient features of this account are:\n\t<ul class=\"risk-lists-area\">\n\t<li>Faircent has no right to intervene or option to withdraw monies for its own use from this account.</li>\n\t<li>Lenders give instruction through Faircent to ITSL (IDBI Trusteeship Services Ltd.) who in turn will forward these instructions to ICICI for execution.</li>\n\t<li>Faircent cannot do any transactions, only view the transactions done through this account. </li>\n\n\t<li>The trustee will independently audit the operations of this account on a regular basis.</li>\n\t<li>A lender can withdraw money from the Escrow account anytime by putting an online withdrawal request through dashboard login and the money will be transferred to his bank account within 24 banking hours.</li></ul>\n\t"},{"question":"How is the lenders escrow account beneficial to me?","answer":"Escrow account ensures secure, fast and smooth transfer of funds with every transaction on the platform. Some benefits are listed as under:\n\t<p class=\"top_phar_contain\">Higher Efficiency</p>\n\t<ul class=\"risk-lists-area\">\n\t<li>Electronic transfers are seamless, paper-less processes requiring least human interface creating higher efficiency.</li>\n\t</ul><br/>\n\tFaster Repayments\n\t<ul class=\"risk-lists-area\">\n\t<li>Faster disbursal of loan amount means faster repayments that can lead to higher earnings.\nBetter Collection and Recovery Process</li>\n<li>Borrowers Escrow account will be linked with their bank account and EMI’s will be auto-debited on a pre-set date. </li>\n<li>Process of maintaining accounts will be simpler and more effective.</li>\n<li>Consolidation of accounts will be smoother and faster.</li></ul><br/>\nEase of Use<br/>\n<ul class=\"risk-lists-area\"><li>Adding every borrower’s account details to transfer funds is now a thing of past\nCompete with only genuine lenders </li>\n<li>Who intend to actually invest and earn through the platform </li>\n\n\t</ul>\n\t"},{"question":"When does the money go out of my Escrow account to the borrower’s account?","answer":"Once a loan transaction is closed with the borrower, he has signed the loan agreement and provided the PDCs, the lender is officially informed by Faircent and the loan amount is transferred from the lenders virtual account to the borrower’s bank account."},{"question":"How much control do I have over the money I have transferred to my Escrow account?","answer":"Your money is always in your control. All transactions take place only with your prior instructions. There is also an independent Trustee who governs all transactions being made from your escrow accounts. Moreover, you can withdraw money from the Escrow account anytime by simply clicking on the Withdraw button and the money will be transferred to your bank account within 24 banking hours.\n\t"},{"question":"When is the EMI amount received in my Escrow account?","answer":"The EMI amount will start reflecting in your wallet within 2-3 working days from the date of receipt of the EMI from the borrower. This time is taken to reconcile the actual amount received from the borrower with the amount due to you that should be credited to your account. This lag does not attract any penalty."},{"question":"I have received a SMS notification from ICICI that my EMI has been credited. However, it is not reflecting in my Faircent wallet. Why?","answer":"You will receive a notification from the bank on the date the EMI is received from the borrower. However, the amount will reflect in your Faircent wallet only after 2-3 working days, post reconciliation of actual amount received and amount due to you. This lag does not attract any penalty."},{"question":"What is Auto-Invest?","answer":"Auto Invest makes investing easier, less time consuming and ensures that you are amongst the first to invest in Borrowers that meet your criteria. You no longer need to spend time browsing borrower profiles to find loan requests that meet your criteria. Auto-Invest ensures that our tech-enabled, fully-automated system will invest your funds based on your investment approach – Aggressive, Balanced or Conservative –towards investing.<br>\n\t\tThis will help you build a diversified portfolio at optimum returns with minimized risk in a faster and more efficient manner."},{"question":"How does Auto-Invest work?","answer":"Using data analytics and machine learning, 3 configurable investment approach under auto-invest have been designed by the system:\n\t\t<ul class=\"risk-lists-area\">\n\t\t<li><strong>Aggressive:</strong> Auto-Invest allocates the lenders money across loans with potential to deliver higher returns but at higher risk</li>\n\t\t\t\n\t\t\t<li><strong>Balanced:</strong> Auto-Invest allocates the lenders money across loans with potential to deliver returns at medium risk</li>\n\t\t\t<li><strong>Conservative:</strong> Auto-Invest allocates the lenders money across loans with potential to deliver optimized returns at minimum risk</li>\n\n\t\t</ul>\n\n\t\tYou can simply select the approach that best meets your investment objective, and then sit back and relax, while the system ensures real-time investment and funding of your investments as per the criteria set by you."},{"question":"How will Auto-Invest help me earn more?","answer":"Auto-Invest is based on the 3 fundamental tenets of earning higher returns from P2P lending:\n\t\t<ul class=\"risk-lists-area\">\n\t\t<li><strong>Diversity:</strong> Auto Invest helps spread a lender’s funds across loans at various interest rates so as to build a diversified portfolio faster and in a more efficient manner.</li>\n\t\t\t\n\t\t\t<li><strong>Fractionalization:</strong> Minimum proposal size can be set at as low as Rs. 500/- under auto-Invest. Fractionalization helps lenders invest smaller amounts across a large number of borrowers thereby spreading their risk and earning higher returns. </li>\n\t\t\t<li><strong>Reinvestment:</strong> Reinvestment is a default setting in auto-invest. While a lender can always change the setting, reinvestment of monthly repayments is highly recommended. EMI when re-invested earns further returns that add to the returns already made through the original investment. This compounding effect leads to higher NAR.</li>\n\n\t\t</ul>\n\n\t\tYou can simply select the approach that best meets your investment objective, and then sit back and relax, while the system ensures real-time investment and funding of your investments as per the criteria set by you."},{"question":"Why should I choose Auto-Invest?","answer":"<b>Automated investment (Auto-Invest) option empowers Lenders</b>\n\t\t\t<ul class=\"risk-lists-area\">\n\t\t\t<li>You have full control over your investment\n\t\t\t\t<ul class=\"risk-lists-area\"><li> a. You decide and set the approach best suited to your investment objective</li></ul>\n\t\t\t </li>\n\t\t\t\t<li>Jump the queue\n\t\t\t\t<ul class=\"risk-lists-area\"><li>a. Real-time access to borrowers. Your funding proposal is received by borrowers that meet your criteria as soon as they go live without any need for manual intervention. </li>\n\t\t\t\t<li>b. Real-time investment: Immediate allocation of funds in loans you desire leads to faster deployment.</li>\n\t\t\t\t</ul>\n\t\t\t\t</li>\n\t\t\t\t<li>Convenient\n\t\t\t\t<ul class=\"risk-lists-area\"><li>a. Effortless & Time Saving</li>\n\t\t\t\t</li>\n\t\t\t\t<li>b. Manual Log-in and browsing for borrowers not required</li>\n\t\t\t\t</ul>\n\t\t\t\t</li>\n\t\t\t\t<li>Flexible\n\t\t<ul class=\"risk-lists-area\"><li>a. Option to Pause or Cancel Auto-Invest whenever you want</li>\n\t\t<li>b. Modify pre-selected criteria whenever you want</li></ul>\n\t\t\t\t\t </li>\n\n\t\t\t</ul>"},{"question":"How can I choose Auto-Invest?","answer":"<div class=\"row\">\n\t\t\t <div class=\"col-md-12\">\n\t\t\t <p><strong>Step 1</strong></p>\n\t\t\t <p>Select Auto Invest from left navigation panel on your dashboard and enter your preferences</p>\n\t\t\t </div>\n\t\t\t <ul class=\"risk-lists-area autoinvest\">\n\t\t\t\t\t<li>Amount that you would like to set aside for Auto-Invest</li>\n\t\t\t\t\t <li>Preferred Employment type of Borrowers – Salaried or Self-employed</li>\n\t\t\t\t\t <li>Your Auto-Invest Strategy. Choose from: \n\t\t\t\t\t\t<ul class=\"risk-lists-area\"><li>Aggressive</li>\n\t\t\t\t\t\t<li>Moderate</li>\n\t\t\t\t\t\t<li>Conservative</li></ul>\n\t\t\t\t\t </li>\n\t\t\t\t </ul>\n\n\t\t\t\t <div class=\"col-md-12\">\n\t\t\t <p><strong>Step 2</strong></p>\n\t\t\t <p>Categories are divided as per interest rates assigned to the loans:</p>\n\t\t\t </div>\n\t\t\t <ul class=\"risk-lists-area autoinvest\">\n\t\t\t\t\t<li>High-Range (loans at >26% p.a, min proposal Rs. 500/-)</li>\n\t\t\t\t\t<li>Mid-Range (loans at 18%-26% p.a, min proposal Rs. 1000/-)</li>\n\t\t\t\t\t<li>Low-Range (loans at <18% p.a min proposal Rs. 2000/-)</li>\n\t\t\t\t </ul>\n\t\t\t\t <p>Based on the Auto-Invest Strategy selected by you in Step 1, the system will configure %age allocation of funds to be allocated to each category which you can change as desired.</p>\n\n\t\t\t\t<div class=\"col-md-12\">\n\t\t\t <p><strong>Step 3</strong></p>\n\t\t\t </div>\n\t\t\t <ul class=\"risk-lists-area autoinvest\">\n\t\t\t\t\t<li>Set max proposal amount to allocate per category: Again, you can either approve the amount configured by the system or select your own.</li>\n\t\t\t\t </ul>\n\n\t\t\t\t <div class=\"col-md-12\">\n\t\t\t <p><strong>Step 4</strong></p>\n\t\t\t </div>\n\t\t\t <ul class=\"risk-lists-area autoinvest\">\n\t\t\t\t\t<li>Click on Activate and sit back to relax</li>\n\t\t\t\t\t<li>As soon as a Borrower’s loan request that meets your selection is made live on the platform, the system will automatically send an offer from your end</li>\n\t\t\t\t </ul>\n\t </div>"},{"question":"What happens in case a borrower wants to foreclose a loan?","answer":"Pre-closure of loan can be done after three months from the disbursal of the loan. Prior to three months, in order to protect lender interest, pre-closure can be done after paying balance interest due to lenders for a period of three months from the date of disbursal. This is payable directly to Lenders. At any given time, borrowers actively looking for funds are available on the website and we encourage you to reinvest this amount by offering loans to more borrowers. "},{"question":"Can a lender remain anonymous?","answer":"Currently, a Lender cannot remain anonymous and his name and details are published online on his profile for all borrowers to view."},{"question":"Is my income through Faircent taxable?","answer":"Repayments are received by you in the form of EMI = Principal + Interest. The interest income component of the EMI that you receive from the borrowers is taxable. The Annual Income Statement in the Reports section of your dashboard can be downloaded and used for the purpose of calculating your earnings through Faircent that are taxable. These earnings should be shown as “Income from other sources” while filing tax returns and will be taxable as per the income tax rules that apply to you. Faircent is simply a facilitator, ensuring the flow of earnings from the borrower to the lender through the escrow account and hence does not deduct tax at source. Paying the applicable tax on income earned is your responsibility and Faircent is not liable for any default on the same."},{"question":"Does the borrower deduct TDS on the repayments made?","answer":"The Borrower (Individual or Hindu Undivided borrower) shall deduct TDS if the amount of such interest paid per lender exceeds Rs. 5,000/- and the Individual borrower was liable for Tax audit under Income Tax Act, 1961 in the previous year. Both conditions should be fulfilled. Reference: Section - 194A, Income-tax Act, 1961-2018"},{"question":"How long does it take to find Borrowers?","answer":"You can find active borrowers on the Faircent platform at all times. Credit worthy borrowers at low interest rates get funded immediately and borrowers listed at high interest rates sometimes take a few days. It’s an open market place and finding a borrower matching your loan amount and desired rate of interest is dependent on how quickly you can make an offer. Innovative tools like Auto-Invest help select Borrowers faster."},{"question":"Can a non-individual lend through Faircent? Can I invest through my company?","answer":"There is option for institutional lenders and NBFCs to fund through the website provided they meet the set criterion and the T&Cs. Please do contact us to discuss this further."},{"question":"Can I invest from overseas?","answer":"All resident Indians above 18 years of age with surplus funds to invest can join Faircent.com as lender. Non-resident can invest through an NRO account."},{"question":"How do I change my bank details or select direct credit?","answer":"Due to operational issues involved, we do not encourage changing your bank account especially when a loan is not closed yet. However, if its unavoidable, please write to support@faircent.com. We charge a swapping fee of Rs. 500 per swap. Repayments will be directly credited to your Escrow account from where they can be withdrawn. Contact your portfolio manager for more details."},{"question":"Can I re-lend my repayments from Borrowers?","answer":"The repayments will be directly credited to your Escrow account and you may utilize the funds to register for another investment request. "},{"question":"What responsibility do I have for the information I provide about myself?","answer":"The information provided by the lender is self-attested. Hence, the lender is fully responsible and legally liable for the authenticity of the information provided to us. Please do read and understand the Terms and Conditions of Use and Faircent Policy before investing."},{"question":"Is it possible for a lender to speak to the borrower?","answer":"No. Faircent does not provide the contact numbers of the lenders or the borrowers on their profile. "},{"question":"Can a lender check the documents submitted by a borrower?","answer":"No. All documents provided by a borrower are verified by our risk assessment team and only verified information is provided on the borrower profile. "},{"question":"What happens after I make a loan proposal to a borrower?","answer":"All proposals made to a borrower are immediately visible on the borrower dashboard. The amount of the proposal will get blocked from your available escrow account balance. <br/>\n\tOnce the borrower is funded, has signed the loan agreement and we have collected the PDCs or ECS mandate towards EMIs on your behalf, the amount is directly transferred from your escrow account to the borrower’s bank account.<br/>\n\tIn case, the borrower is not funded or does not complete the disbursement formalities such as providing security cheques or signing the agreement, the amount will be reversed back to your escrow account and reflect again your account balance."},{"question":"What is the process to be followed for disbursement of loan?","answer":"Once a borrower profile is minimum 75% funded, we start the process of loan disbursal. Once the loan agreement is digitally signed by the borrower and the required number of post-dated cheques towards security and repayments has been collected by Faircent, the loan amount is transferred from the lender’s escrow account directly to the borrower’s bank account immediately."},{"question":"What is the process of online/digitally-signing the loan agreement?","answer":"Online agreement, is a seamless, paper-less and presence-less process of signing a legally-binding loan agreement between the borrowers and lenders online. The agreement is available online on the borrowers Faircent account. They login to their respective accounts, read and understand the terms and conditions, “digitally sign” by clicking on the acceptance box under the agreement and the process is complete. The agreement is then sent to both the borrowers and lenders through email for their records. The process, though legally binding just like a physical agreement, is faster and more efficient."},{"question":"Is virtual agreement safe and legal? How does it help me?","answer":"Its benefits include:\n\t<ul class=\"risk-lists-area\">\n\t<li>Legally-binding just like a physical agreement</li>\n\t<li>Two-way process: It’s completed with signatures from both borrower and lender</li>\n\t<li>Paper-less and presence-less: physical presence of neither borrower nor lender is required</li>\n\t<li>Convenient and less time consuming</li>\n\t<li>Reduced human interface</li>\n\t<li>Leads to faster disbursal of loans</li>\n\t<li>Enhanced Operational efficiency</li>\n\t</ul>\n\t"},{"question":"In case of a dispute in a deal signed online through the dashboard, what are the requirements or what are the documents/certificate required to be used as evidence before court of law?","answer":"In such a scenario, the procedure to be followed is as prescribed in The Indian Evidence Act 1875 Section 65B (Admissibility of electronic records) which refers to admissibility of electronic evidence in court in matters related to legal dispute. "},{"question":"Are virtual loan agreements exempt from payment of stamp duty?","answer":"Simply put, virtual agreement is digital signing of a loan agreement by two parties – borrower and lender. All agreements – physical or virtual – need franking and payment of stamp duty (this can be done online or offline through physical payment). The stamp duty can be paid at the stage when its virtually signed by both borrowers and lenders. However, stamp duty or franking of the agreement is a requisite only if the agreement goes to court due to dispute. In such a scenario, the franking can be done or stamp duty can be paid (along with late fee payment) at the time of legal action being taken. In the worst-case scenario, where the lender decides to approach the courts and file the case against the defaulting borrower, Faircent.com will reimburse the stamp duty (along with the late fee) to the lender. Hence, the agreement will be a legal document admissible in court. "},{"question":"Do witness need to sign the loan agreements under the virtual agreement process?","answer":"No, witnesses are not required for virtual agreement."},{"question":"What are the safeguards to ensure that virtually signed agreement is not revoked by either the borrower or the lender before or during the period of agreement?","answer":" Once virtually signed, the contract is legally binding on both the borrowers and lender and they cannot retract out of the same. It is similar to retracting out of a physical agreement and will be considered breach of agreement. "},{"question":"How do how do I close my account if I am not interested to invest anymore?","answer":"The lender can send a mail to support@faircent.com requesting them to deactivate the account along with the reason. The lender will then a get a confirmation call from Faircent and the request will be processed within 3 working days."},{"question":"How do I change my contact details?","answer":"An individual lender can change or update his/her contact details by logging into their respective accounts."},{"question":"I'm locked out of my account - what do I do? How do I reset my password? What do I do if I’ve lost my log in details?","answer":"In case you are facing any account/log-in/technical-access related concerns, please contact your portfolio manager or contact us on support@faircent.com"},{"question":"What are pool loans?","answer":"Funds from multiple lenders are pooled together, then this pool is used to finance a group of loan requests from captive borrowers such as merchants and distributors of a partner who require short-term loans (daily/weekend) to meet the day-to-day needs of their business operations."},{"question":"How are pool loans evaluated?","answer":"The merchants/distributors eligible for this loan product are pre-chosen through Faircent’s automated credit evaluation mechanism, basis certain parameters such as business size, stability, continuity, daily transaction size, repayment track and credit report and other data provided by the partner."},{"question":"When are repayments received from pool loans?","answer":"Interest income from pool loans is distributed to lenders on a monthly basis. The Principal is reinvested into the same pool loan. If a lender provides an instruction to Faircent to stop reinvesting, then the repayments of borrowers are not reinvested and instead are credited to the lenders escrow account at the end of every quarter. As pool loans are usually for durations lesser than a month there is no EMI in these loans."},{"question":"Is there a limit to investing in pool loans?","answer":"Pool loans have a minimum ticket size to enter and a maximum limit till which lenders can fund a loan request. This varies with partner. Please contact portfolio manager for more clarity."},{"question":"How are returns from pool loans calculated?","answer":"Returns from pool loans depend on complete utilization of the amount invested in the pool. Please note that if the total requirement of money from the borrowers in the pool is less than the money put by all the lenders in the pool then some money will remain unutilized and not earn interest as it hasn’t been given out. <br>While certain partners ensure that all the money provided by the lenders in a pool is loaned out so that all the money provided by the lenders is earning interest, this may not be the case for all pool loans."},{"question":"What is Line of Credit loans?","answer":"The <strong>Line of Credit</strong> loans are short duration loans (up to 3 months) where the borrower can withdraw money up to an assigned credit limit and repay anytime within the duration of the loan. This loan product is popular with small businesses who often need quick funds for short durations to stay updated on their cash flows. "},{"question":"How is the borrower’s limit set in Line of Credit?","answer":"The pre-set maximum amount of credit for every borrower is fixed by Faircent.com’s automated credit evaluation mechanism basis careful evaluation of financial and credit information such as business size, stability, continuity, daily transaction size, repayment track and credit report etc."},{"question":"How are repayments from Line of Credit received by the lender?","answer":"Interest earnings are calculated basis the amount of money actually withdrawn by a borrower from the credit limit provided to him. The borrowers pay interest on the outstanding principal until the complete withdrawal is repaid. Such interest is calculated on a daily basis on a flat rate. All interest and principal repaid by the borrower is distributed back to the lenders in proportion of their investment in the withdrawal. Please note that as the borrower is free to repay any amount at any time there is no EMI in an Line of Control loan."},{"question":"Are any foreclosure charges payable on Line of Credit?","answer":"No. The borrower can repay the amount borrowed anytime within the duration of the loan."},{"question":"Are any penalty charges applicable on Line of Credit?","answer":"The borrower has 3 months in which to repay the entire withdrawal but is free to repay the complete principal outstanding any time within the 3 months. At the end of the 3 months, the withdrawal becomes overdue and penalty charges are applicable."},{"question":"What are group term loans?","answer":"Term loans are loans with fixed tenure, EMI, interest rate and repayment date. You can also to pool your funds with other lenders and invest in a collection of term loans known as Group Term Loans launched in collaboration with our partners. Term loans provide an opportunity to earn higher returns by investing in loans at interest rates from 9.99% to 36+% p.a"},{"question":"How is the interest in pool loans, group term loans and Line of Control calculated?","answer":"Simple Interest calculation methodology is applied in pool loans and Line of Credit loans while on term loans its calculated basis reducing balance method."}],"borrowerapidata":[{"question":"Why borrow through Faircent?","answer":"Faircent offers the borrowers a lower interest rate and less hassle than traditional financing options. It offers attractive fixed rates, an easy online application, friendly service and no hidden fees."},{"question":"How do I get started?","answer":"Simply click on the Sign Up Now icon and register through the simple step by step process as instructed. Once you have filled the basic information required, paid the registration fees and uploaded the documents required, Faircent risk assessment team will identity-verify, credit-check and risk-assess your profile. If qualified, your registration as a Borrower will be approved and you can apply for loan on the Faircent platform."},{"question":"Why do you require documents?","answer":"The documents are required to identity-verify, credit-check and risk-assess a borrower before registration. Apart from the CIBIL score, we use various other parameters like ability, stability, past performance and intention of the borrowers, which are evaluated basis these documents. The documents provided like salary slips, bank statements, ITR’s, balance sheets etc. help in taking a collective and transparent decision ensuring a fair field for the borrower."},{"question":"Why should I pay listing fees and that too before getting the loan?","answer":"Faircent has an in-house credit team which carefully risk assess each borrower profile which involves cost, time and effort. The listing fees get adjusted towards the final processing fees if the borrower is funded through the Faircent portal."},{"question":"How much can I borrow?","answer":"At Faircent, loan disbursal is dependent on loan requirement. For personal requirements, loan amount can vary from Rs. 30,000/- to Rs. 5,00,000/-. For business purpose, a borrower can apply for a loan upto Rs. 10,00,000/-."},{"question":"Over what time frame can I borrow? What is the tenure of loans on Faircent.com?","answer":"Currently, loan tenures are fixed from minimum 6 months to maximum 36 months. Faircent is working on making it operationally feasible to let Borrowers borrow for longer periods."},{"question":"Will I be funded by an individual lender or by multiple lenders?","answer":"As per Faircent policy, no single lender can fund the entire loan requirement of a borrower. Hence, your loan will be funded by multiple lenders."},{"question":"Can I pre-pay my EMI? Can I repay my loan early if I like? Are there any charges?","answer":"Pre-closure of loan can be done after three months from the disbursal of the loan without any additional charges. Prior to three months, to protect lender interest, pre-closure can be done after paying balance interest due to lenders for a period of three months from the date of disbursal. This is payable directly to Lenders. Faircent charges a one-time non-refundable pre-payment fees of Rs. 500/-."},{"question":"Can I choose my monthly repayment date?","answer":"The repayment date can be decided mutually between the Faircent team and the Borrower for any date between the 1st – 10th of every month. This is decided basis the date on which the borrower’s salary is credited."},{"question":"What interest rates can I expect to pay?","answer":"Interest rates are suggested to each borrower by an automated credit appraisal system that uses the personal and financial information provided by borrowers across more than 120 criteria using more than 400 data points to risk-asses the borrowers and understand the strength of their credit profile. The interest rate thus assigned ranges from 12% to 28%. However, Unrated Borrowers can be registered at higher interest rate."},{"question":"On what parameters does Faircent verify my profile and check my credit-worthiness?","answer":"We use a highly-developed, technology-driven process of verification across more than 120 criteria using more than 400 data points basis the personal and financial information and documents provided by the borrower. Each borrower is identity-checked, credit-checked and risk-assessed by our experienced team. The intention, stability and ability of borrowers is evaluated and understood."},{"question":"Does Faircent.com undertake physical verification?","answer":"Yes, Physical verification at both residential and official address is undertaken after prior appointment. This is undertaken to verify the identity of the Borrower."},{"question":"Does Faircent require references?","answer":"Yes, as part of the verification process, we require 4 references from your professional or personal contacts who should be able to verify your identity, intention, ability and stability to take and repay a loan"},{"question":"How much time does it generally take before a loan is listed?","answer":"Once a borrower Signs Up, provides basic information, pays the registration fees and uploads the required documents, the risk assessment team takes 48-72 (office) hours to evaluate and verify the borrower; basis which the credit appraisal mechanism sets the parameters for the loan –loan amount, rate of interest and loan tenure. Once the borrower accepts the same, the profile is made live on the portal. Thus, your loan requirement will be available on the website for lenders to fund between 48-72 hours from your first log-in on the website."},{"question":"How much time does it take to find a lender? How long can my loan request be available for lenders to fund?","answer":"All loans are listed on the platform for 15 days which may, under special circumstances, be extended to a maximum of 30 days. This is known as listing period. However, the funding of the loan cannot be predicted or controlled as it is dependent upon attracting sufficient lenders. Credit-worthy borrowers can get funded within minutes and some borrowers assigned high rate of interest can take a few days. You can monitor lenders interest anytime by logging into your account."},{"question":"How long is the disbursal process?","answer":"The disbursal process starts only after the borrower has paid the processing fees, signed the loan agreement and provided the PDCs, NACH Mandate and any other documents required. This process is driven by borrower interest. By using technology-driven facilities available only on Faircent you can reduce this time to less than 24 hours. Post this process funds are transferred from lender’s escrow account to the borrower’s bank account within 12-24 hours. Thus, the entire disbursal process takes 24-48 hours. It is transparent and driven by borrower and lender interest with Faircent acting only as a facilitator."},{"question":"Why was my application declined?","answer":"Faircent holds the right to decline a listing in certain cases such as:<br/>\n1.\tThe Borrower is unable to provide complete documentation or the same cannot be authenticated.<br/>\n2.\tThese documents are required to evaluate the borrower’s credit-worthiness and intention/stability and ability to take and repay loan. Any deficiency on these parameters or in terms of past loan-performance of the borrower will lead to cancellation of listing of the borrower.<br/>\n3.\tPhysical verification report is negative. It is established that the Borrower does not reside or work at the address submitted by the borrower.<br/>\n4.\tBorrower has not paid the registration fees.<br/>\n5.\tIf at any stage of loan application, Faircent finds that misleading information was deliberately provided by the borrower with intentions to cheat and hurt the Faircent system, its Lenders, founders, stake holders, partners or employees or to infringe or steal the intellectual property of Faircent."},{"question":"Are loans secured? What collateral do loans require?","answer":"A borrower can avail both, unsecured loans as well as collateral-based loans against gold through Faircent. Faircent has tied-up with Baxi, India’s first bike-taxi operators to introduce a new collateral-based product offering. Drivers keen to work as Baxi-operators and require auto-loans to buy bikes can register on the platform as borrowers. It’s an income generating asset for the borrowers and an asset-based investment for the lenders. <a href=\"https://www.faircent.com/loan-against-collateral\">Click here</a> to know more about this product."},{"question":"What happens in case of delayed or non-payment of EMI?","answer":"Borrowers are morally and legally obliged to pay all dues in a timely manner. In case the EMI is not paid on the scheduled time, a penal interest of Rs. 100/- per Lender for delays upto 10 days and Rs. 250/- per Lender for delays of more than 10 days will be charged. These charges are applicable for each instance of delayed repayment. These charges are payable to lenders. Faircent will also charge a non-refundable collection penalty of Rs. 500/- per delayed payment. So, Faircent encourages all borrowers to make timely payments to avoid penalty charges. <br/>\nIn the worst-case scenario, if Faircent has to issue a legal notice to a defaulting borrower on behalf of the lenders then a non-refundable charge of Rs. 500/- per legal notice will be payable by the borrower to Faircent."},{"question":"I have defaulted on loan payments before or Banks/Financial Institutions have rejected my loan application. Can I borrow on Faircent?","answer":"Faircent will not approve of a listing if it does not meet with our credit and verification standards. However, we encourage applicants to work on improving their credit history by repaying their debt in a timely manner and then try again after six months."},{"question":"How are repayments calculated?","answer":"Repayments are equated monthly installments calculated using the reducing balance method. Your installment per month will remain the same throughout the tenure of your loan. The first installment may be different depending on the date of disbursal."},{"question":"Will Faircent provide me with my credit score?","answer":"Faircent does not provide you with your credit score."},{"question":"What information can be viewed about me?","answer":"Once your listing has been approved by Faircent, your profile can be viewed by all registered Lenders. This includes your full name, profession, purpose of loan, email ID and financial information as this information helps you to get a loan faster. However, this information will not be visible to general visitors to the website. For more information, please view our <a href=\"https://www.faircent.com/privacy-policy\">Faircent Policy </a>."},{"question":"Will my address and phone number be available online on the website?","answer":"We do not show anyone’s address or phone number to prevent harassment. For more information, please view our <a href=\"https://www.faircent.com/privacy-policy\">Faircent Policy </a>."},{"question":"Can I change the loan amount I want to borrow after applying?","answer":"No, to avoid confusions and maintain lender interest, we do not make changes to a listing after it has been made live on the website. To increase the loan amount, you can create a fresh loan request for the difference."},{"question":"Can my loan request be terminated or reviewed at any stage?","answer":"Yes, if at any stage the information furnished by you or the verification(s) initiated by us are found to be incomplete, fraudulent or unverifiable then funding request is terminated and consequently, the invest button on the profile would be de-activated. No registration fees refund will be applicable."},{"question":"How do I cancel my loan application?","answer":"Please write to <a href=\"mailto:support@faircent.com\">support@faircent.com</a> requesting cancellation of your registration as Borrower. Loan cancellation can only happen prior to disbursal of funds."},{"question":"How do I change my bank details or set up a new direct debit?","answer":"Please write to <a href=\"mailto:support@faircent.com\">support@faircent.com</a> stating both your old and new bank details. Swapping charges of Rs. 500/- per swap will be applicable and payable to Faircent."},{"question":"Can I be both, a Lender and a Borrower?","answer":"No. You can either be a Lender or a Borrower at a given time."},{"question":"Why is Faircent asking me to link my bank account?","answer":"Faircent verifies the financial documents submitted by the borrower(s) which is considerably time consuming and thereby delays the borrower's request being listed live on the marketplace for funding. Having explored many options, we realized that an automated aggregation of bank feeds from an extensive range of financial institutions would enable us to serve you better and help in getting you funded faster <br/>\nWe have partnered with Yodlee, the world leader in bank feed aggregator. Yodlee currently serves over 40 million consumers worldwide, 600 global financial institutions, and 8 of the top 10 U.S. banks in addition to top Indian banks to deliver bank feed aggregation."},{"question":"Is my account linkage secure?","answer":"Your account credentials are strongly protected with stringent security measures, regular security and compliance measures. Our partner, Yodlee undergoes examinations by U.S. Banking regulators including the Federal Financial Institutions Council and the Office of the Controller of the Currency. They are certified as a Payment Cards Industry (PCI) Level 1 Service Provider and have EU Privacy Safe Harbor certification. For what it’s worth, we believe that Yodlee’s Bank Aggregation service is a safe and convenient way to access your bank transactions, which is why we’ve chosen them as our partner. Ultimately though, it’s your call. We advocate complete freedom to our users to make their decisions."},{"question":"How are my Login details used?","answer":"Your Login details are securely stored and used for only one purpose: to retrieve transactions from your banking site for the last 6 months, nothing more. This is a purely “read only data”. There is no transaction possible by sharing the details, not even by you."},{"question":"Should I share my bank's credentials?","answer":"This is an important concern, as some people may feel that using this service may be in violation of the Terms and Conditions of some banks against revealing their username and password to a third party. Each bank will have its own stance on the use of bank aggregation, so you should make an informed decision. While, Faircent is committed to keeping the information received from you safe and secure under its Privacy Policy, we understand your freedom of choice to make your own decision in this context."}]}

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