Refund Policy

• Once the loan is processed, the service or processing fees paid are non-refundable under any circumstance.
• In case of loan rejection or cancellation from our end, any refundable balance (after deducting administrative charges) will be returned to the client.

Membership Withdrawal

• Clients enrolled under any optional membership or loan scheme can request withdrawal by submitting a written request at least 30 days in advance.
• Membership or administrative fees paid will not be refunded upon withdrawal, regardless of the withdrawal reason.

Loan Logistics

• All loans are disbursed only after complete document verification and confirmation of borrower eligibility.
• Disbursement, EMI schedules, and deductions are handled through a transparent and documented process tailored to each client.

Grievance Redressal

• Clients may raise concerns or complaints related to loan services via phone, email, or in person.
• All grievances will be acknowledged within 48 hours and resolved within 7 working days, based on the issue’s nature.

Dispute Mechanisms

• Any disputes related to loan terms, repayment, or service delivery will be first addressed through internal resolution methods.
• If unresolved, disputes will be governed by the applicable laws under the agreed jurisdiction mentioned in the loan agreement.

Rate of Interest

• The rate of interest is 36% per annum, calculated on a diminishing balance basis, ensuring the borrower pays interest only on the outstanding loan amount.