Question: what happens when you don't pay your m shwari loan on time?
Answer: M-Shwari loan penalties are imposed on you in the event of not repaying the overdue M-Shwari loan within 30 days. Your loan repayment period is increased further by 30 days. The result is an increase in M-Shwari loan rates. ... If you pay during this period, you will further not access loans for 30 days.