Apr 13, 2022 | Mallika Rangaiah
Home Credit India Finance Pvt. Ltd. is a local arm of the international consumer finance provider, that has operations spanning over Europe and Asia, and is focused on promoting financial inclusion in India.
Home Credit India offers consumer financing services, loans for home appliances, mobile phones, laptops, and two wheeler purchases. Serving customers in India, the company is intent on driving credit penetration and financial inclusion by providing transparent, easy and accessible financial solutions.
In late 2020, Home Credit India launched its digital Ujjwal EMI Card which was a part of its collection of digital loan products that had been launched in the past 2 years. The Card offered an instant pre-set credit limit to customers.
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Home Credit India (HCI) has partnered with Pine Labs, a leading merchant commerce company, with the aim of maximizing access of the digital EMI financing features on its Ujjwal Card to all the HCI platform customers at Pine Labs PoS terminals all across India.
The Pine Labs Point of Sales (PoS) network will integrate the HCI lending platform all across India to offer an omni channel link for HCI’s offerings.
As stated by Ankush Khosla, the Chief Sales Officer of Home Credit India and as reported by Business Line, this will in turn maximize the number of outlets that can be transacted by the customer of HCI, increase the acceptance of the platform’s Ujjwal EMI card and also enhance HCI’s potential of customer acquisition via the Pine Labs network.
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Home Credit is also hoping for an increase in its footprint when it comes to the south and east region of India. For its first phase, the Ujjwal EMI offering will be available at 18,000 stores, with a starting offer of 5 percent cashback backing it. The offer can be availed on the purchase of mobiles, consumer electronics and home appliances.
It was a cold February evening in 2025 when I realized I’d made a terrible mistake. I’d sunk 4 Bitcoin my entire crypto savings into what I thought was a promising investment opportunity I’d found through a flashy ad on X. The platform promised sky-high returns, and the testimonials seemed legit. But weeks passed, my dashboard showed no profits, and when I tried to withdraw, the site locked me out. My 4 BTC, worth a small fortune, was gone. I felt sick. Desperate, I turned to internet forums, posting about my ordeal in a crypto thread. That’s when i saw someone talked about Alpha Spy Nest Recovery, a name I’d never heard before. Skeptical but out of options, I messaged them. Within hours, a rep named Alex responded, asking for details: the site URL, transaction IDs, and screenshots I’d thankfully kept. He warned me it’d be tough, scammers were getting slicker but they’d try. Alpha Spy Nest wasn’t your typical recovery outfit. Alex explained they were a team of ex-hackers and blockchain sleuths who’d turned their skills to hunting down crypto crooks. They used forensic tools to trace my BTC through the blockchain, even as the scammers tried to launder it through mixers. Meanwhile, their web team dug into the fake site, finding it linked to a known scam ring operating out of Eastern Europe. Days later “Good news. We’ve got a lead.” Using a mix of legal pressure and some clever tech I didn’t fully understand, they’d tracked my coins to an exchange where the scammers had slipped up. Alpha Spy Nest coordinated with the exchange to freeze the funds, and after a nerve-wracking verification process, 3.8 BTC minus their fee hit . I stared at my screen, stunned. The relief was overwhelming. Alpha Spy Nest Recovery didn’t just save my money; they restored my faith in fighting back. I never thought I’d see that 4 Bitcoin again, but thanks to their grit and know-how, I did. Rest assured you can also try them out:Email: Alphaspynest@mail.com, whatsApp: +14159714490, telegram: https://t.me/Alphaspynest
It started with a gut-wrenching realization. I’d been duped. Months earlier, I’d poured $133,000 into what I thought was a golden opportunity a cryptocurrency investment platform promising astronomical returns. The website was sleek, the testimonials glowed, and the numbers in my account dashboard climbed steadily. I’d watched my Bitcoin grow, or so I thought, until the day I tried to withdraw it. That’s when the excuses began: “Processing delays,” “Additional verification required,” and finally, a demand for a hefty “release fee.” Then, silence. The platform vanished overnight, taking my money with it. I was left staring at a blank screen, my savings gone, and a bitter taste of shame in my mouth.I didn’t know where to turn. The police shrugged cybercrime was a black hole they couldn’t navigate. Friends offered sympathy but no solutions. I spent sleepless nights scouring forums, reading about others who’d lost everything to similar scams. That’s when I stumbled across a thread mentioning a group specializing in crypto recovery. They didn’t promise miracles, but they had a reputation for results. Desperate, I reached out.The first contact was a breath of fresh air. I sent an email explaining my situation dates, transactions, screenshots, everything I could scrape together. Within hours, I got a reply. No fluff, no false hope, just a clear request for more details and a promise to assess my case. I hesitated, wary of another scam, but something about their professionalism nudged me forward. I handed over my evidence: the wallet addresses I’d sent my Bitcoin to, the emails from the fake platform, even the login credentials I’d used before the site disappeared.The process kicked off fast. They explained that scammers often move funds through a web of wallets to obscure their tracks, but Bitcoin’s blockchain leaves a trail if you know how to follow it. That’s where their expertise came in. They had tools and know-how I couldn’t dream of, tracing the flow of my coins across the network. I didn’t understand the technical jargon hash rates, mixing services, cold wallets but I didn’t need to. They kept me in the loop with updates: “We’ve identified the initial transfer,” “The funds split here,” “We’re narrowing down the endpoints.” Hours passed , and I oscillated between hope and dread. Then came the breakthrough. They’d pinpointed where my Bitcoin had landed a cluster of wallets tied to the scammers. Some of it had been cashed out, but a chunk remained intact, sitting in a digital vault the crooks thought was untouchable. I didn’t ask too many questions about that part; I just wanted results. They pressured the right points, leveraging the blockchain evidence to freeze the wallets holding my funds before the scammers could liquidate them. Next morning, I woke up to an email that made my heart skip. “We’ve secured access to a portion of your assets.” Not all of it some had slipped through the cracks but $133,000 worth of Bitcoin, my original investment, was recoverable. They walked me through the final steps: setting up a secure wallet, verifying the transfer, watching the coins land. When I saw the balance tick up on my screen, I sat there, stunned. It was real. My money was back.The ordeal wasn’t painless. I’d lost time, sleep, and a bit of faith in humanity. But the team at Alpha Spy Nest Recovery turned a nightmare into a second chance. I’ll never forget what they did. In a world full of thieves, they were the ones who fought to make things right. Contacts below: email: Alphaspynest@mail.com, WhatsApp: +14159714490, Telegram: https://t.me/Alphaspynest
RECOVER YOUR SCAMMED FUNDS AND CRYPTOCURRENCIES VIA SPOTLIGHT RECOVERY Professional hackers at Spotlight Recovery provide services for compromised devices, accounts, and websites as well as for recovering stolen bitcoin and money from scams. They finish their work safely and quickly. Their order has been fulfilled since day one, and the victim will never be conscious of the outside entrance. Very few even attempt to give critical information, look into network security, or discreetly discuss personal issues. The Spotlight Recovery Crew helped me recover $264,000 that was stolen from my corporate bitcoin wallet, and I appreciate them giving me further details on the unidentified people. In the event that you have been defrauded of your hard-earned cash or bitcoins, contact SPOTLIGHT RECOVERY CREW at Contact: spotlightrecovery@protonmail.com
RECOVER YOUR SCAMMED FUNDS AND CRYPTOCURRENCIES VIA SPOTLIGHT RECOVERY Professional hackers at Spotlight Recovery provide services for compromised devices, accounts, and websites as well as for recovering stolen bitcoin and money from scams. They finish their work safely and quickly. Their order has been fulfilled since day one, and the victim will never be conscious of the outside entrance. Very few even attempt to give critical information, look into network security, or discreetly discuss personal issues. The Spotlight Recovery Crew FINALLY helped me recover $264,000 that was stolen from my corporate bitcoin wallet, and I appreciate them giving me further details on the unidentified people. In the event that you have been defrauded of your hard-earned cash or bitcoins, contact SPOTLIGHT RECOVERY CREW at Contact: spotlightrecovery@protonmail.com
RECOVER YOUR SCAMMED FUNDS AND CRYPTOCURRENCIES VIA SPOTLIGHT RECOVERY Professional hackers at Spotlight Recovery provide services for compromised devices, accounts, and websites as well as for recovering stolen bitcoin and money from scams. They finish their work safely and quickly. Their order has been fulfilled since day one, and the victim will never be conscious of the outside entrance. Very few even attempt to give critical information, look into network security, or discreetly discuss personal issues. The Spotlight Recovery Crew helped me recover $264,000 that was stolen from my corporate bitcoin wallet, and I appreciate them giving me further details on the unidentified people. In the event that you have been defrauded of your hard-earned cash or bitcoins, contact SPOTLIGHT RECOVERY CREW at Contact: spotlightrecovery@protonmail.com
Months earlier, I’d sunk $156,000 into what I thought was a golden opportunity, an online cryptocurrency investment promising sky-high returns. The website was sleek, the testimonials glowing, and the numbers kept climbing. But when I tried to withdraw my profits, the platform froze. Emails went unanswered, support chats died, and my “investment” vanished into the digital ether. I’d been scammed, and the sting of it burned deep.Desperate, I stumbled across Alpha Spy Nest while scouring the web for help. Their site/reviews didn’t promise miracles, just results, specialists in tracking down lost funds from online scams. Skeptical but out of options, I reached out. The process started with a simple form: I detailed the scam, uploaded screenshots of transactions, and shared the wallet addresses I’d sent my crypto to. Within hours, they confirmed they’d take my case.What followed was like watching a high-stakes chess game unfold, though I only saw the moves, not the players. Alpha Spy Nest dove into the blockchain, tracing my funds through a maze of wallets designed to obscure their path. They explained how scammers often use mixers to launder crypto, but certain patterns like timing and wallet clustering, could still betray them. I didn’t understand half of it, but their confidence kept me hopeful. Hours later, they updated me: my money had landed in an exchange account tied to the scam network. They’d identified it through a mix of on-chain analysis and intel from sources I’d never grasp. After 24 hours, i got a message, my funds were frozen in the scammer’s account pending review. Alpha Spy Nest had apparently flagged it just in time. After some back-and-forth, the exchange with the help of Alpha Spy Nest reversed the transactions, and $145,000 of my original $156,000 hit my wallet. The rest, they said, was likely gone forever, siphoned off early. I never met anyone from Alpha Spy Nest, never heard a voice or saw a face. Yet, their methodical precision pulled me back from the brink. My money wasn’t fully restored, but the recovery felt like a win, a lifeline from a faceless ally in a world of digital shadows. If you find yourself in the same situation, you can also reach out to them via: Email: Alphaspynest@mail.com, whatsapp: +15132924878, telegram: https://t.me/Alphaspynest,
My world came crashing down when I lost my entire life savings to a fraudulent investment scam. I had trusted an online platform promising high returns, only to watch my money vanish overnight. The scammers blocked me, and the authorities said recovery was nearly impossible. I felt broken, ashamed, and hopeless. Then, a day, i went on a search on the internet, forums hoping to find a way to recover my lost savings, then i came across a thread narrating how a well reputable firm named "Alpha Spy Nest", a cybersecurity and digital forensics team specializing in scam recovery helped recover their lost/stolen savings. Desperate, I reached out, praying for a miracle. Their team was professional, understanding, and confident. They explained how they track digital footprints, freeze transactions, and pressure scammers using legal and technical methods. They ask for the screenshots, trading platform, total amount lost to the scammer and also wallets address which the transaction was made through. I provided them with the required details and information. Within few hours, they traced the funds to a crypto wallet and identified the scam ring’s operations. Using their connections with financial institutions and law enforcement, they initiated a recovery process. 10 hours later, I received a mail from Alpha Spy Nest that they had recovered 95% of my money. It wasn’t the full amount, but it was a lifeline. More than the money, they restored my hope. Their dedication proved that justice could prevail. Today, I’m rebuilding, wiser and more cautious. Alpha Spy Nest didn’t just recover my funds they gave me a second chance. If you’ve been scammed, don’t give up. Alpha Spy Nest fights for victims like us.They turned my despair into triumph, and they can do the same for you.Email: Alphaspynest@mail.com, WhatsApp: +15132924878, Telegram: https://t.me/Alphaspynest
As an architect in Texas, I was excited to begin remodeling my new home. I had big plans to transform the space into something perfect, after months of research, I selected what seemed to be a reputable construction company. They came highly recommended, with a professional portfolio and impressive credentials. After an initial consultation, I felt confident they were the right choice for the job. Unfortunately, things quickly went south. As the project progressed, the quality of the work was disappointing, and the timeline kept slipping. Payments had already been made, and I noticed the progress was extremely slow with little visible results. I had paid a substantial sum of $8,700 for the work, and all I had to show for it was a half-completed project. Worse, the contractor became difficult to reach, and communication became increasingly erratic. It didn’t take long for me to realize something was off. I started to suspect that I was being taken advantage of, and the situation quickly escalated from frustrating to worrying. It dawned on me that I might be dealing with a fraudulent company. At this point, I was desperate to recover my money and avoid losing any more. I reached out to Digital resolution services for assistance, hoping they could help me navigate the situation. Digital resolution services acted quickly. Their team thoroughly investigated the construction company and uncovered a history of fraudulent activities. It turned out that the company had scammed several homeowners before, using fake credentials and disappearing after taking large deposits. With their expert assistance, I was able to dispute the charge with my credit card company and initiate the process of recovering my funds. Thanks to Digital resolution services, I was able to recover the full $8,700 I had spent. The relief I felt when I got all my money back was indescribable. Not only did Digital resolution services help me recover the funds, but they also empowered me to hire a legitimate contractor to finish the remodeling work. This ensured that my vision for the home could finally be realized, without the looming financial loss. This experience taught me a hard lesson about thoroughly vetting contractors and being cautious with large deposits. I am incredibly grateful to Digital resolution services for their support and expertise, which allowed me to get my hard-earned money back and move forward with my project. I want to say a big thank you to the team at Digital resolution services. Reach out to them for any kind of problems you may find yourself, they are there to help 100%. Email: digitalresolutionservices (@) myself. c o m WhatsApp: +1 (361) 260-8628 Email: digitalresolutionservices007 (@) zohomail.com Thank You Amber Cunningham
I never imagined that I would become a victim of cryptocurrency fraud, but unfortunately, that’s exactly what happened. I had been investing in Bitcoin for a while and felt confident in my ability to identify legitimate opportunities. However, I fell for a sophisticated scam that resulted in me losing a significant amount of Bitcoin. It was a devastating experience—I felt helpless, frustrated, and unsure of what to do next. WhatsApp: +19 (20408) 1234 After trying everything I could to get my funds back—contacting the fraudulent platform, filing complaints, and even reaching out to law enforcement—I began to lose hope. That’s when I started researching crypto recovery services and came across PRO WIZARD GIlBERT RECOVERY, a company with a solid reputation for helping victims of crypto fraud retrieve their lost funds. Website info: http s://pro wizard gilbert recovery. info At first, I was skeptical. With so many fake recovery services out there, I didn’t want to fall for another scam. However, after thoroughly checking their background, reading genuine testimonials, and speaking with their team, I felt reassured. From the moment I reached out, PRO WIZARD GIlBERT RECOVERY demonstrated professionalism, transparency, and a deep understanding of blockchain forensics. Their team carefully analyzed my case and provided a clear plan of action. They explained their methodology, including how they would trace the stolen Bitcoin, identify wallet addresses, and collaborate with the necessary authorities if needed. Throughout the process, they kept me updated, answering all my questions and giving me confidence that I had chosen the right people to help me. Email: pro wizard gilbert recovery (@) engineer. com To my absolute relief and amazement, they successfully tracked my stolen Bitcoin and assisted in recovering a significant portion of my lost funds. I couldn’t believe it! After weeks of thinking my Bitcoin was gone forever, PRO WIZARD GIlBERT RECOVERY made the impossible happen. Their expertise, persistence, and ethical approach set them apart from other recovery services I had come across. Telegram: http s:// t. me/Pro_Wizard_Gilbert_Recovery This experience has been a tough lesson, but I’m incredibly grateful for the support and professionalism of PRO WIZARD GIlBERT RECOVERY . If you have lost your cryptocurrency due to fraud, hacking, or scams, I strongly recommend their services. They are a trustworthy, reliable, and highly skilled team that genuinely works to help people recover what was lost.
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