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Fino.lk

CBSL licensed finance company பட்டியலில் இல்லை12மிக மோசம்
நிலை
CBSL register இல் இல்லைஉறுதிஆதாரம்: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
பதிவு செய்யப்பட்ட நிறுவனம்
S F Group (Private) Limitedஉறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); fino.lk privacy policy, accessed 2026-06-22
பதிவு எண்
PV00221752உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); fino.lk privacy policy, accessed 2026-06-22
தாய் நிறுவனம் / குழு
SF Capital SG PTE. LTD / Sun Finance Group, Singapore / Latviaஅறிக்கைஆதாரம்:fino.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
மற்ற பெயர்கள் / இணை செயலிகள்
Monigo (same registered entity, PV00221752)உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); monigo.lk T&C, accessed 2026-06-22

அவர்கள் விளம்பரப்படுத்துவது

இவை கடன் வழங்குநரின் சொந்த கூற்றுகள்; confidence label மற்றும் ஆதாரத்துடன்.

  • Personal loans up to LKR 150,000

    உறுதிஆதாரம்:Fino Google Play listing, updated 2026-03, accessed 2026-06-22

  • Fast application and bank-account transfer, with no collateral or guarantor presented in the listing

    உறுதிஆதாரம்:Fino Google Play listing, updated 2026-03, accessed 2026-06-22

  • Website positions Fino as a low-interest online-loan service

    உறுதிஆதாரம்:fino.lk pages and Google Play listing, accessed 2026-06-22

  • Promo-code and discount framing appears in the documented Fino loan flow/agreement

    உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

fine print சொல்வது

ஒவ்வொரு கூற்றும் ஆவணப்படுத்தப்பட்ட உண்மை அல்லது தற்போதைய placeholder ஆதாரத்துடன் இணைக்கப்பட்டுள்ளது.

விளம்பரக் கூற்று

0% / below 1% interest

fine print உண்மை

Interest is genuinely 0% — but the entire cost is loaded into a 'Loan Service Fee'. On the documented loan this fee was LKR 79,200 on LKR 150,000 principal: 52.8% of the principal for the term.

Clause 4.2; Special Terms

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

விளம்பரக் கூற்று

First-loan promo / discount

fine print உண்மை

Any discount is revoked if repayment is delayed by 3 or more days, restoring the full service fee.

Clause 4.7

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

விளம்பரக் கூற்று

Simple, fast repayment

fine print உண்மை

Extending the due date costs 20% / 35% / 60% of the principal for a 7 / 14 / 30-day extension. Late payment adds 10% of unpaid principal on days 3, 6, 11, 16 and 30 after the due date.

Special Terms; Clause 4.5

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

விளம்பரக் கூற்று

Easy exit if you change your mind

fine print உண்மை

A 24-hour withdrawal right (return principal only, no fee) exists but is buried in the terms; after 24 hours the full service fee applies even if you repay early.

Clauses 2.6, 6.4

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

விளம்பரக் கூற்று

Private and personal

fine print உண்மை

The lender may contact people listed as references, the borrower's employer, and phone contacts via SMS/WhatsApp/automated calls; may assign the debt and disclose borrower data to third parties within or outside Sri Lanka.

Clauses 3.2, 5.4, 10h, 16.2

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

கண்டுபிடிக்க கடினமானவை

உரிமை, உரிம நிலை, உண்மையான செலவு, permissions, மற்றும் கடன் பெறுபவர்களுக்கு முக்கியமான மறைந்த தகவல்கள்.

தரவு மற்றும் app permissionsCRIBCBSL பதிவுப் பட்டியல்

  • Real effective cost (APR)

    A 52.8% service fee over the documented ~22-day term is roughly 876% simple annualised (0.528 × 365 ÷ 22), and far higher if rolled over. The '0%' headline refers only to the interest line.

    உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19) (special terms)

  • Who owns it

    Operated in Sri Lanka by S F Group (Private) Limited (reg. PV00221752), the same registered entity used by Monigo. Fino's public footer says S F Group is a subsidiary of SF Capital SG PTE. LTD in Singapore; Fino'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.

    அறிக்கைஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); monigo.lk T&C, accessed 2026-06-22; fino.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.

    உறுதிஆதாரம்: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

  • The CRIB threat

    The terms say default may be reported to credit bureaus / credit-rating agencies (clause 13.2e). Whether an unlicensed lender can lawfully list a borrower in CRIB is contested — see Your Rights.

    குற்றச்சாட்டுஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 13.2e; CRIB rules discussed on /rights

  • Loans by phone call

    Loans can be requested and 'signed' via a voice call, with the agreement generated afterward; the lender may record calls as evidence.

    உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), recitals A-B and clauses 1, 2.4

  • Where your data can go

    Borrower data may be transmitted and stored by the lender's group within or outside Sri Lanka, and shared with third parties it deems necessary.

    உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 16.2

  • Access to contacts / references

    Stated as references the lender may verify and contact.

    Enables pressure on third parties who never agreed to anything; a legitimate personal loan does not require contacting your phone contacts.

    உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clauses 3.2 and 5.4

  • Additional app-device permissions

    Not independently audited in this repo.

    No app-permission artifact was available, so the published finding is limited to the agreement's confirmed third-party contact rights.

    அறிக்கைஆதாரம்:No repo-local Android permission audit available on 2026-06-22; Fino Google Play listing reviewed

இந்த செயலிக்கான கட்டண கணக்கீடு

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

Service fee / சேவை கட்டணம்APR / வருடாந்திர இணை விகிதம்Rollover / நீட்டிப்பு

Fino.lk செலவு சோதனை

உங்கள் தொகை மற்றும் காலத்தை மாற்றி documented fee model எப்படி செயல்படுகிறது என்று பார்க்கவும்.

சேவை கட்டணம்
LKR 5,280
வட்டி
LKR 0
மொத்தமாக செலுத்த வேண்டியது
LKR 15,280
எளிய APR
642.4%
Rollover APR
812%

சூத்திரம்: ((service fee 52.8% + daily interest 0% x days) / amount) x (365 / days).

10% of unpaid principal charged on days 3, 6, 11, 16 and 30 after the due date (clause 4.5).

மதிப்பெண் விவரம்

மொத்த மதிப்பெண் இப்பரிமாண மதிப்புகளில் இருந்து கணக்கிடப்படுகிறது.

Fino.lk மதிப்பெண் விவரம்
பரிமாணம்மதிப்பெண்ஆதாரம்
Pre-contract cost transparency0/4

The owner-reported recorded session says disbursement and acceptance occurred while the app was still on the promo-code screen; no repo-local footage was available for independent confirmation, so this remains reported and scored at the lower supported level.

அறிக்கைஆதாரம்:Project owner account of recorded session; private footage not present in repo, reviewed as unavailable on 2026-06-22
Rate-disclosure honesty0/4

Stated interest is 0%, but a Loan Service Fee of 52.8% of principal applied for the term (clause 4.2 + special terms).

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 4.2 + special terms
Consent / confirmation flow0/4

The agreement treats the verification code as the borrower's electronic signature, while the owner-reported session says funds were disbursed before a confirmation screen; private footage was unavailable, so the flow evidence is reported.

அறிக்கைஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 16.1; project owner account of recorded session, 2026-06-22
Data & permissions1/4

T&C reserves the right to contact references, the borrower's employer, and phone contacts via SMS/WhatsApp/calls.

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clauses 3.2 and 5.4
Collection-threat language1/4

T&C permits assignment/sale of the debt and data to third parties, engagement of collection agencies, and third-party contact rights.

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clauses 3.2, 5.4, 10h, 10i, and 16.2
CRIB representations1/4

T&C states default may be reported to credit bureaus or credit-rating agencies; no evidence in the repo shows a lawful CRIB-listing pathway for this entity.

குற்றச்சாட்டுஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 13.2e; CRIB rules discussed on /rights
Licensing transparency2/4

Discloses a private-company entity and registration number, but the entity/register number was not found on the checked CBSL LFC/RFLE pages and the site does not clearly explain the licensing distinction.

உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); 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

கால வரிசை terms snapshots மற்றும் முந்தைய snapshot உடன் வேறுபாடு.

Terms Trackerகடன் உரிமை மாற்றம்

  1. 2026-05-19

    உறுதிஆதாரம்:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

    Baseline snapshot from the project owner's own redacted agreement.

    interestPct
    0
    serviceFeePct
    0.528
    extension
    7d 20% / 14d 35% / 30d 60% of principal
    lateFee
    10% of unpaid principal on days 3, 6, 11, 16, 30 after due date
    withdrawalWindowHrs
    24
    graceSumLkr
    250
    governingLaw
    Electronic Transactions Act No. 19 of 2006, as amended by Act No. 25 of 2017
    languagePrecedence
    English text prevails (clause 16.16)

    முதல் snapshot

    இந்த lender க்கான முதல் பதிவு செய்யப்பட்ட snapshot இது.

பதில் அளிக்கும் உரிமை

பதில் அளிக்கும் உரிமை

இந்த நிறுவனம் பதில் அனுப்பலாம். பதில் கிடைத்தால், அது நியாயமாகவும் சூழலுடனும் இங்கே வெளியிடப்படும்.

ஆதாரங்கள்

இந்த பக்கம் பயன்படுத்தும் முதன்மை ஆவணங்கள், lender pages, official registers, மற்றும் செய்தி ஆதாரங்கள்.

  1. Fino Loan Agreement No. 31923406510 (project owner's own, 19 May 2026)primary-document
    உறுதி
  2. அறிக்கை
  3. அறிக்கை
  4. அறிக்கை
  5. உறுதி
  6. உறுதி
  7. உறுதி
  8. உறுதி
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