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The Merchant Credit Advance (MCA) is a program proposed by Paytm in collaboration with Tata Capital Limited, which will provide unsecured loans to Paytm merchants. Loan amounts will vary between INR 1,00,000 and INR 10,00,000, with repayment tenures spanning 6 to 36 months. Interest rates will be determined using a risk-based pricing approach, ranging from 20% to 30%. Repayments will be made through Equated Daily Instalments (EDI), commencing the day after the loan is disbursed. This initiative is designed to meet the financial requirements of merchants while aligning with Tata Capital’s risk management guidelines.
| SL. No | Parameter | Min – Max |
|---|---|---|
| 1 | ROI | 20-29.99% |
| 2 | PF | 2-5% |
| 3 | APR | 25-48% |
| 4 | FC Charges | 0% |
| 5 | Other Charges | |
| a. Bounce | Rs.15 on each EDI UPI autopay bounce (excluding the overdue bounce) | |
| b. LPP | 36% p.a |
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