Concept of indianbulls is quite fabulous but as they say they didnt build her loaning concept.
They say to loan in 3 minutes but in this app for him your time is wasteless they pending your process by different different reasons, and hence loan is just become an illusion.
1-they provide on 18 -21 percent interest rate which is highest in indian market.
2-heavy processing fees, give extra burden to you
3-process is cumbersome in realtime experiment, rather what they say
4-invest heavy amount on advertisment and brand endorsement, which kills her margine, thats why heavy interest rate charge by users.
5-avalibility is not everywhere.