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සමාගම් වෙත ආපසු

සමාගම් පැතිකඩ

Monigo.lk

CBSL licensed finance company ලැයිස්තුවේ නැත33දුර්වල
තත්ත්වය
CBSL register එකේ නැතතහවුරුයිමූලාශ්‍රය:Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00221752 on 2026-06-22; accessed 2026-06-22
ලියාපදිංචි ආයතනය
S F Group (Private) Limitedතහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; monigo.lk site pages, accessed 2026-06-22
ලියාපදිංචි අංකය
PV00221752තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; monigo.lk site pages, accessed 2026-06-22
මව් සමාගම / කණ්ඩායම
SF Capital SG PTE. LTD / Sun Finance Group, Singapore / Latviaවාර්තා වී ඇතමූලාශ්‍රය:monigo.lk about/footer pages, accessed 2026-06-22; Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22; Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22
වෙනත් නම් / සහෝදර යෙදුම්
Fino (same registered entity, PV00221752)තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

ඔවුන් ප්‍රචාරය කරන්නේ

මෙහි පෙන්වන්නේ ණය දෙන ආයතනයේම ප්‍රචාරක ප්‍රකාශයයි; confidence label සහ මූලාශ්‍රය සමග.

  • Online loan service marketed for quick cash in Sri Lanka

    තහවුරුයිමූලාශ්‍රය:monigo.lk site pages, accessed 2026-06-22

  • Loan requests can be made through the platform or by voice call

    තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22

  • Borrowers receive an SMS verification code used as electronic acceptance

    තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22

fine print එක කියන්නේ

සෑම ප්‍රකාශයක්ම ලේඛනගත තත්ත්වය හෝ දැනට ඇති placeholder සාක්ෂිය සමග යුගල කර ඇත.

ප්‍රචාරක ප්‍රකාශය

Lowest interest / 0% first loan

fine print හි තත්ත්වය

Cost is loaded into a service fee under Monigo's T&C. The only numeric SF Group service-fee example available in this repo is Fino's same-operator loan at 52.8% of principal for the term, so that figure is not stated as Monigo's standard rate.

monigo.lk T&C (SF Group terms); cf. Fino Agreement 31923406510

වාර්තා වී ඇතමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

ප්‍රචාරක ප්‍රකාශය

Short, simple 30-day loan

fine print හි තත්ත්වය

Extensions of 7, 14 or 30 days are offered for additional fees; the SF Group model charges extension fees as a percentage of principal.

monigo.lk (extensions)

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22

ප්‍රචාරක ප්‍රකාශය

Private and secure

fine print හි තත්ත්වය

T&C permits disclosure/transfer of borrower data to third parties within or outside Sri Lanka and contacting references.

monigo.lk T&C (data clauses)

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22

හොයාගන්න අමාරු දේවල්

හිමිකාරිත්වය, බලපත්‍ර තත්ත්වය, සැබෑ වියදම, permissions, සහ ණය ගන්නා අයට වැදගත් වෙනත් කරුණු.

දත්ත සහ app permissionsCRIBCBSL ලියාපදිංචි ලැයිස්තුව

  • Same company as Fino

    Monigo and Fino are both operated by S F Group (Private) Limited (PV00221752). A borrower repaying one 'competitor' by borrowing from the other is borrowing from the same operator.

    තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

  • Ownership chain

    Monigo's footer says S F Group is a subsidiary of SF Capital SG PTE. LTD in Singapore; Monigo's about page says S F Group is part of Sun Finance Group in Latvia; Sun Finance's annual report lists SF Capital SG as a group entity. The ownership chain is therefore shown as S F Group -> SF Capital SG -> Sun Finance Group, with the lender self-published link treated as reported.

    වාර්තා වී ඇතමූලාශ්‍රය:monigo.lk about/footer pages, accessed 2026-06-22; Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22; Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22

  • Regulatory status

    S F Group (Private) Limited was not found on CBSL's Licensed Finance Companies list or Registered Finance Leasing Establishments list when searched by entity name and registration number PV00221752 on 2026-06-22. This records register absence only; it is not a legal conclusion about whether the app is required to hold that licence.

    තහවුරුයිමූලාශ්‍රය:Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00221752 on 2026-06-22; accessed 2026-06-22

  • Access to contacts / references

    Stated as references the lender may verify and contact.

    Enables pressure on third parties; a legitimate personal loan does not normally require contacting references or an employer. A current app-permission audit was unavailable in the repo.

    තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22

මෙම යෙදුමට අදාළ ගණකය

වාර්තා වී ඇතමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19) used only as same-operator comparator for the numeric service-fee example

Service fee / සේවා ගාස්තුවAPR / වාර්ෂික සමාන අනුපාතයRollover / extension

Monigo.lk වියදම් පරීක්ෂාව

මෙම lender සඳහා public fee data එක එකිනෙකට නොගැළපෙන හෝ අසම්පූර්ණ බැවින් per-app calculator එක නොපෙන්වයි.

ගණනය නොකිරීමට හේතුව
monigo.lk Terms & Conditions, accessed 2026-06-22 confirms a service-fee model, but no current Monigo numeric fee schedule was located; Fino's 52.8% same-operator figure is comparator evidence only and is not used as Monigo calculator input

Late-payment fees apply under Monigo's Special Terms; the public T&C states the amounts are set in Special Terms and were not located as a current public numeric schedule.

ලකුණු විස්තරය

මුළු ලකුණ මෙම මානයන්හි ලකුණු වලින් ගණනය වේ.

Monigo.lk ලකුණු විස්තරය
මානයලකුණුසාක්ෂි
Pre-contract cost transparency1/4

The T&C says the total amount due and service fee are set in the Special Terms at agreement conclusion. No repo-local app-flow footage was available, so stronger pre-commit display is not credited.

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22
Rate-disclosure honesty1/4

The public T&C confirms a service-fee model, but the current numeric service-fee schedule was not found in public Monigo pages; the documented 52.8% figure belongs to a Fino loan from the same operator, not a confirmed Monigo standard.

වාර්තා වී ඇතමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)
Consent / confirmation flow1/4

The T&C treats the SMS verification code as the borrower's electronic signature and allows loan requests by platform or voice call; no app-flow footage was available to confirm a clearer deliberate confirmation.

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22
Data & permissions2/4

T&C reserves verification calls to references and the borrower's employer, and permits third-party data disclosure.

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22
Collection-threat language2/4

Permits assignment of obligations and third-party recovery steps, but no documented threat, impersonation, or public shaming evidence was located in checked materials.

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22
CRIB representations1/4

The T&C permits reporting borrower information to credit bureaus or credit-rating agencies in default; no repo evidence establishes a lawful CRIB-listing pathway for this entity.

චෝදනා මට්ටමමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; CRIB rules discussed on /rights
Licensing transparency2/4

Discloses entity + registration (PV00221752); CBSL finance-company licensing status not stated; does not disclose that it shares the entity with Fino.

තහවුරුයිමූලාශ්‍රය:monigo.lk Terms & Conditions, accessed 2026-06-22; Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00221752 on 2026-06-22; accessed 2026-06-22

Terms Tracker

terms snapshot කාලානුරූපව සහ පෙර snapshot එකට සාපේක්ෂ වෙනස්කම්.

Terms Trackerණය පැවරීම

  1. 2026-06

    තහවුරුයිමූලාශ්‍රය:monigo.lk T&C (SF Group)

    Operator and registration confirmed from Monigo's own pages; parent chain is reported from lender pages and Sun Finance group reporting.

    operator
    S F Group (Private) Limited, PV00221752 (same as Fino)
    amountRange
    Rs 3,000–150,000
    maxTermDays
    30
    extensions
    7 / 14 / 30 days
    currentParentDisclosure
    SF Capital SG PTE. LTD, Singapore; Sun Finance Group, Latvia
    parentReportedBySundayTimes
    Sun Finance Group, Latvia

    මුල් snapshot එක

    මෙම lender සඳහා පළමු සටහන් කළ snapshot එක මෙයයි.

ප්‍රතිචාර දීමේ අවස්ථාව

ප්‍රතිචාර දැක්වීමේ අයිතිය

මෙම සමාගමට ප්‍රතිචාරයක් එවිය හැක. ප්‍රතිචාරයක් ලැබුණොත් එය සාධාරණව මෙහි පළ කෙරේ.

මූලාශ්‍ර

මෙම පිටුව භාවිතා කරන ලේඛන, lender pages, official registers, සහ වාර්තා.

  1. තහවුරුයි
  2. තහවුරුයි
  3. Fino Agreement No. 31923406510 (project owner's own, 19 May 2026)primary-document
    තහවුරුයි
  4. වාර්තා වී ඇත
  5. වාර්තා වී ඇත
  6. වාර්තා වී ඇත
  7. වාර්තා වී ඇත
  8. තහවුරුයි
  9. තහවුරුයි
හිරිහැරද? උදව් ගන්න