Uni : Next-gen cards & Paychek

We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like:

Uni Paychek - India's 1st salary subscription product.

Receive a free credit of up to ₹100,000 every month. Sent directly to your bank account. Just like a salary before your salary.

👉🏼Subscribe with a paperless one-time setup that takes less than 3 minutes

🗓Note the eligible amount and Paychek date basis plan. Your Paychek arrives on this date every month

🌟You get 15/30 days of free credit period each month, depending on the plan selected

⏸ Don’t need Paychek for a month? You can always pause it from the app

🔄Get 15/30 days more to clear your credit card bill, cover your EMIs, and pay rent and utility bills…you can use Paychek for anything and everything

🎖Paychek is enabled by our partners - nationally recognized NBFCs that are regulated by RBI

😇Over 2 Lakh happy users have made Paychek a part of their monthly finances

Paychek's 15-day variant is completely free. You can also choose a 30-day plan paying a subscription fee. Try it today!

How to begin (Steps for new users)

1️⃣Download the Uni app
2️⃣Check eligibility
3️⃣Complete KYC
4️⃣Subscribe to Paychek

Paychek details -
Paychek amount upto Rs 1,00,000 every month
Min Tenure to repay - 24 months & Max tenure to repay - 24 months
Subscription plan : 15 day & 30 day
Subscription fee - Zero fee for the 15-day plan & One-time subscription fee of Rs 1999 (including GST) for 30 day plan
Max APR (Annual percentage rate) is 48% + GST ( this includes carry forward fee ) and it varies across the risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by the due date - zero APR is charged


Example of a Paychek transaction with Rs 50,000 Amount :

Amount : Rs 50,000
Annualised Carry Forward fee (Interest) : 45% p.a + GST
Subscription Plan : 30 Day
Subscription Fee : Rs 1999
Disbursal Amount : Rs 50,000
If repaid by due date
Carry forward fee ( Interest ) = 0
Total amount to be paid = Rs. 51,999 incl. Of GST
If repaid in 24 months
Carryforward fee = Rs 19,276 + GST
Total amount to be paid = Rs. 71,275 + GST

*Carryforward fee varies based on customer risk profile.


To know more, you can always check our website 🌐 paychek.uni.club
Or send us an email to 📧care@uni.club

Office address -
Uniorbit Technologies Pvt Ltd. (Uni Cards)
No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034

List of partnered entities
NBFC - DMI Finance Private Limited
NBFC - NDX P2P PRIVATE LIMITED
NBFC - Transactree Technologies Private Limited
NBFC - Northern Arc Capital Limited
NBFC - Kisetsu Saison Finance (India) Private Limited