NiyoX - Digital Banking

What is NiyoX, and what does it offer?  
● NiyoX is your solution to simplified banking. 
● Opening a digital savings account with NiyoX is a breeze. It's fast, efficient, 100% paperless, and can be done from anywhere.
 ● With NiyoX, you get the best interest rates on savings and free online fund transfers. 
● We offer zero Account Maintenance Charges, 0% commission on Mutual Funds investment, and best in the industry interest rates on your savings. 
● Track your EPF with a single click.
● Get Personal Loans quick & 100% digital - Tenure: 90 days - 36 months - Interest rate: 16-36% p.a. - Processing fee: 2.5-5% of loan amount with min. processing fee of {1000 + 18% GST} 
Example: 
- Loan amount: 750,000 
- Tenure: 12 months
- Interest rate: 22% 
- EMI amount: 74,680 
- Total interest payable: 76,160 
- Processing fee (incl. GST): 71,475
- Disbursed amount: 748,525 
- Total amount payable: 756,160 
- Total cost loan: 37,635 NBFC 
Declaration: NiyoX acts as a platform for the NBFCs licensed by the RBI. 


What sets NiyoX apart in terms of banking convenience? 
● NiyoX is designed to make banking quick and easy, simplifying complex financial jargon. 
● We provide an intuitive, easy-to-use app offering Savings accounts and investment options. ● We prioritize simplicity, safety, and smart solutions, putting you in charge of your finances. 


Can you highlight some key features of NiyoX that make it stand out? NiyoX excels in providing: 
● Digital Account with exceptional offers 
● Virtual Debit Card for online transactions 
● Card locks and limits for expense control 
● The Wave feature to protect your account balance 
● In-app support and a Niyo Community forum for assistance and feedback 


How easy is it to open a NiyoX Savings Account? 
● Opening a NiyoX Savings Account is simpler than roasting papad! All you need is a PAN and Aadhaar.
● Just download the NiyoX App, enter your details, and start managing your finances effortlessly. 


What benefits can I expect with a NiyoX Savings Account? A NiyoX Savings Account offers: 
● Zero balance requirement  
● Best in the industry interest rates on your savings
● Digital Account with exceptional offers 
● 5 lakh insurance for your funds by DICGC 


How does NiyoX provide digital banking services with a human touch? 
● NiyoX brings the entire world of banking to your smartphone, eliminating the need for physical branches, queues, and paperwork. 
● We provide 24/7 support, strong encryption protocols to secure your funds, and a seamless digital banking experience. 
● NiyoX takes permission to access your SMS to customize personal finance insights. It includes bank balances of savings accounts too.


Terms and Conditions: https://static.goniyo.com/legal/ Terms_conditions.pdf 


Update How does NiyoX ensure the safety of my money and transactions? 
● Your funds are securely held in your Banking partners, trusted by millions. 
● NiyoX uses robust encryption protocols to protect your financial assets, even though there are no physical branche. 


Discover banking simplified with NiyoX - your modern banking companion. You can reach out to our team at: [email protected]