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Monigo.lk

CBSL licensed finance company பட்டியலில் இல்லை33பலவீனம்
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:monigo.lk Terms & Conditions, accessed 2026-06-22; monigo.lk site pages, accessed 2026-06-22
பதிவு எண்
PV00221752உறுதிஆதாரம்:monigo.lk Terms & Conditions, accessed 2026-06-22; monigo.lk site pages, accessed 2026-06-22
தாய் நிறுவனம் / குழு
SF Capital SG PTE. LTD / Sun Finance Group, Singapore / Latviaஅறிக்கைஆதாரம்: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
மற்ற பெயர்கள் / இணை செயலிகள்
Fino (same registered entity, PV00221752)உறுதிஆதாரம்:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)

அவர்கள் விளம்பரப்படுத்துவது

இவை கடன் வழங்குநரின் சொந்த கூற்றுகள்; confidence label மற்றும் ஆதாரத்துடன்.

  • Online loan service marketed for quick cash in Sri Lanka

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

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

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

  • Borrowers receive an SMS verification code used as electronic acceptance

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

fine print சொல்வது

ஒவ்வொரு கூற்றும் ஆவணப்படுத்தப்பட்ட உண்மை அல்லது தற்போதைய placeholder ஆதாரத்துடன் இணைக்கப்பட்டுள்ளது.

விளம்பரக் கூற்று

Lowest interest / 0% first loan

fine print உண்மை

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

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

விளம்பரக் கூற்று

Short, simple 30-day loan

fine print உண்மை

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)

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

விளம்பரக் கூற்று

Private and secure

fine print உண்மை

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)

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

கண்டுபிடிக்க கடினமானவை

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

தரவு மற்றும் app permissionsCRIBCBSL பதிவுப் பட்டியல்

  • 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.

    உறுதிஆதாரம்: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.

    அறிக்கைஆதாரம்: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.

    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

  • 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.

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

இந்த செயலிக்கான கட்டண கணக்கீடு

அறிக்கைஆதாரம்: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 / சேவை கட்டணம்APR / வருடாந்திர இணை விகிதம்Rollover / நீட்டிப்பு

Monigo.lk செலவு சோதனை

இந்த lender க்கான public fee data முரண்படுகிறது அல்லது முழுமையில்லை; அதனால் இந்த per-app calculator காட்டப்படவில்லை.

ஏன் கணக்கிடப்படவில்லை
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.

மதிப்பெண் விவரம்

மொத்த மதிப்பெண் இப்பரிமாண மதிப்புகளில் இருந்து கணக்கிடப்படுகிறது.

Monigo.lk மதிப்பெண் விவரம்
பரிமாணம்மதிப்பெண்ஆதாரம்
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.

உறுதிஆதாரம்: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.

அறிக்கைஆதாரம்: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.

உறுதிஆதாரம்: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.

உறுதிஆதாரம்: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.

உறுதிஆதாரம்: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.

குற்றச்சாட்டுஆதாரம்: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.

உறுதிஆதாரம்: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

கால வரிசை terms snapshots மற்றும் முந்தைய snapshot உடன் வேறுபாடு.

Terms Trackerகடன் உரிமை மாற்றம்

  1. 2026-06

    உறுதிஆதாரம்: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

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