Terms & conditions

We provide a digital interface to explore/apply for loans, complete KYC, execute agreements (including e-sign), make repayments (including mandates/autopay), and access related services. Where loans are provided by a regulated entity (RE), your loan is extended and serviced by the RE.

You must be 18+ and competent to contract.

You consent to KYC/AML checks (CKYC/Aadhaar offline or e-KYC where legally permitted), credit bureau enquiries, and other verifications.

Before acceptance, you will receive a Key Fact Statement (KFS) with APR, charges, penal charges, tenure, repayment schedule, and grievance contacts.

You will receive digital copies of the KFS, loan agreement/sanction letter, and acknowledgement. Acceptance may be via e-sign or OTP.

The exact interest rate (APR), processing fees, and any penal charges for late payments will be explicitly detailed in your Key Fact Statement (KFS) and loan agreement prior to acceptance.

Our maximum Annual Percentage Rate (APR) and other charges strictly adhere to the Fair Practice Code and RBI guidelines. There are no hidden charges. All applicable taxes (e.g., GST) will apply as per prevailing laws.

You authorise setup of e-mandates (e-NACH/UPI Autopay/cards) and pre-debit notices as applicable.

On failures, retries may occur as permitted. Late/penal charges may apply.

Collections follow non-coercive practices and reasonable contact hours per applicable guidelines.

We/RE may report your loan performance to credit bureaus. Overdues/defaults can impact your credit score. For disputes, raise a ticket; corrections are processed where due.

We interface with payment aggregators/gateways, UPI PSPs, card tokenisation, e-mandate/NACH, e-sign, Account Aggregators, Aadhaar offline/e-KYC (where authorised), bank verifiers, bureaus, communications, analytics, and cloud services.

Card details are not stored by us; we rely on tokenisation. Payment data is processed per applicable localisation and network rules.

Third-party outages or limits are outside our control; we coordinate reasonable support.

No misrepresentation, document tampering, identity theft, security circumvention, reverse-engineering, malware, scraping, or unlawful/abusive use.

Content and software are protected by IP laws. We grant a limited, revocable, non-transferable licence for personal/authorised business use in India.

To the maximum extent permitted by law, we are not liable for indirect, incidental, punitive, or consequential damages. Our aggregate liability is capped at the fees (if any) paid by you to us in the 3 months preceding the claim or ₹10,000, whichever is lower. You agree to indemnify us/RE against losses from your breach or unlawful use.

We may suspend/limit/terminate for fraud, security risk, regulatory requirement, non-payment, or breach. You may stop using the Platform at any time. Accrued rights survive termination.

1. Failed Transactions: If a payment fails but money is debited, it will be automatically refunded to the original payment method within 5-7 working days.

2. Duplicate Payments: Excess payments will be adjusted against future dues or refunded within 7-10 working days after reconciliation by NIRANTARA FINACCESS PRIVATE LIMITED.

3. Loan Cancellation: Once disbursed, a loan cannot be cancelled. It can only be prepaid or foreclosed as per your loan agreement.

4. Chargebacks: Direct chargeback disputes to our Grievance Officer. They will be investigated and resolved within 7-14 working days.

Refunds, if approved, will be initiated within 3 working days from the date of confirmation.

The amount shall be credited to the original payment instrument within 7–10 working days.

The actual credit timeline may vary based on the user’s bank, payment gateway, or UPI provider.

In case of delays beyond this period, users are advised to contact customer support.

Governing law: India. Jurisdiction: courts/tribunals at Bangalore, Karnataka, subject to ombudsman/consumer forum jurisdiction as applicable. Arbitration (if included) must comply with Indian law and consumer protections.

We may update these Terms. Continued use after updates constitutes acceptance. Material changes may be notified in-app or via email/SMS.