What is EPIC Number in your Voter ID Card?

What is EPIC Number in your Voter ID Card?

The voter identification card, also known as an electoral photo identity card (EPIC), has a unique 10-digit EPIC number.
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How to find your EPIC number?

An EPIC number, or Electors Photo Identity Card number, is essential for Indian citizens to participate in elections. It’s a unique alphanumeric identifier assigned to every registered voter. Here’s how to find your EPIC number:


  1. Check the front side of your existing Voter ID card; the EPIC number is printed there.
  2. Use the “Search in Electoral Roll” feature on the NVSP website.
  3. Enter your name, date of birth, and constituency to find your EPIC number online.
  4. Visit your nearest ERO for assistance in retrieving your EPIC number if needed.
     
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How to download Voter ID using EPIC number?

Downloading your Voter ID using the EPIC number is an efficient way to obtain a digital copy. Follow these steps:
 

  1. Visit the NVSP website and log in to your account.
  2. Select the “Download e-EPIC” option from the available services.
  3. Enter your EPIC number and verify your identity details.
  4. Download and save the e-EPIC file, which can be printed for use.
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EPIC number – Uses

The EPIC number is a valuable tool for Indian voters. It has multiple uses, such as the following:
 

  • Verifying your identity at polling stations during elections.
  • Accessing online voter services, including updates or corrections to voter details.
  • Tracking the status of Voter ID applications and related services.
  • Serving as a valid proof of identity for official purposes beyond elections.

Conclusion

The EPIC number is an integral part of the Indian electoral system, streamlining voter-related services and enhancing convenience. By understanding how to find, download, and use your EPIC number, you can ensure seamless participation in electoral processes and access to related services. Keep your EPIC number secure and readily accessible to avoid any inconveniences during elections.

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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