Frequently Asked
Questions

Yes, if the loan is not disbursed, the processing fee is completely refundable.

You can contact your assigned relationship manager (RM) directly for real-time status updates.

Yes, with a prior written request submitted to your RM, subject to verification and approval.

Missed payments will attract late penalty charges, bounce fees, and recovery proceedings under company policy.

Yes, you can foreclose your loan early after 180 consecutive days of repayment, with zero prepayment or foreclosure charges.

Yes, a top-up loan up to twice the current loan amount may be offered after timely EMI payments for 6+ consecutive months.

Yes, multiple loans can be sanctioned subject to your eligibility and repayment capacity.

Yes, all customer details and datasets are protected with strict security protocols under our privacy policy.

We offer a flat annual interest rate of 5% per annum on the sanctioned loan amount.

Yes, we send periodic auto-reminders via SMS, phone calls, and email before the due date.

Submit a written request with valid proof of identity and address directly to your relationship manager.

No, loan statements and balance certificates are provided completely free of cost upon request.

Yes, tenure extension requests can be submitted, subject to company review and policy guidelines.

Yes, collateral-free loans are available without formal income proof up to a maximum limit of ₹3,00,000 only.

The minimum loan amount is ₹1,00,000, depending on the specific loan product type selected.

Loans are available up to a maximum limit of ₹5,00,00,000, subject to eligibility criteria and credit assessments.

Repayments must be made through official banking channels only, such as bank transfer, auto-debit, or official company UPI. Cash collections are strictly prohibited.

Yes, applicants with a low credit score can be financed subject to a thorough risk assessment, guarantor support, and customized terms.