Terms & Conditions

1. Introduction

Welcome to Nanda Fincap. These Terms and Conditions ("Terms") govern your use of our website (nandafincap.com) and our loan facilitation services. By accessing our website or using our services, you agree to be bound by these Terms.

Nanda Fincap operates as a loan aggregator and financial services facilitator, connecting borrowers with various banks and Non-Banking Financial Companies (NBFCs) across India. We do not directly lend money but assist in matching your loan requirements with suitable lending partners.

2. Eligibility Criteria

To use our services, you must meet the following criteria:

• Be a resident of India
• Be at least 21 years of age (up to 60 years for most loan products)
• Have a valid PAN card and Aadhaar card
• Be a salaried employee or self-employed individual with verifiable income
• Have a valid bank account in your name
• Meet the specific eligibility criteria of the chosen loan product

3. Our Services

Nanda Fincap provides the following services:

• Loan Comparison: Compare loan offers from 50+ partner banks and NBFCs
• Application Assistance: Help with loan application submission and documentation
• Expert Guidance: Personalized advice from our financial experts
• Documentation Support: End-to-end assistance with paperwork
• Status Tracking: Regular updates on your loan application status

We act as an intermediary between you and the lending institutions. The final loan approval, terms, interest rates, and disbursement are solely at the discretion of the respective lender.

4. Loan Application Process

When you submit a loan application through our platform:

• You authorize us to share your information with our lending partners
• You consent to credit bureau inquiries by potential lenders
• You agree that submitting an application does not guarantee loan approval
• You understand that multiple lenders may review your application
• You acknowledge that loan terms are determined by the lending institution

5. User Obligations

As a user of our services, you agree to:

• Provide accurate, complete, and truthful information
• Submit genuine documents without any alterations
• Not misrepresent your identity, income, or financial status
• Promptly respond to requests for additional information
• Use our services only for lawful purposes
• Not attempt to manipulate or abuse our platform
• Keep your account credentials confidential

Providing false information may result in rejection of your application and potential legal action.

6. Fees & Charges

Our loan facilitation services are provided free of charge to borrowers. However, please note:

• Lending partners may charge processing fees, documentation charges, and other applicable fees
• Interest rates and loan terms are determined by the respective lender
• Any government taxes or duties applicable will be borne by the borrower
• Late payment charges and penalties are as per the lender's policies

All fees will be clearly disclosed before you finalize your loan agreement with the lender.

7. Disclaimer

While we strive to provide accurate and up-to-date information:

• We do not guarantee loan approval from any lender
• Interest rates and terms displayed are indicative and subject to change
• Final loan terms are at the sole discretion of the lending institution
• We are not responsible for decisions made by lending partners
• Information on our website is for general guidance only

8. Limitation of Liability

To the maximum extent permitted by law:

• Nanda Fincap shall not be liable for any indirect, incidental, or consequential damages
• We are not responsible for actions or decisions of lending partners
• Our liability is limited to the services we directly provide
• We do not guarantee uninterrupted access to our platform

9. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the modified Terms.

We recommend reviewing these Terms periodically to stay informed of any updates.

10. Contact Us

If you have any questions about these Terms & Conditions, please contact us: