Personal Loans
Underwritten the old way. Delivered the new way.
Unsecured personal loans offered through our website and authorised digital lending channels, assessed against our internal credit policy, priced in a Key Fact Statement you receive before signing, and disbursed by the Company alone.
The Product
One loan, four promises.
Information on this website, including eligibility criteria, illustrations and product descriptions, is provided for general information. Every lending decision follows our internal credit assessment, KYC verification and execution of the loan documentation.
- A Key Fact Statement and mandatory disclosures before the agreement is executed
- Digital identity verification and KYC under RBI Directions
- Disbursal by the Company to your verified bank account
- Repayment collected and serviced by the Company as lender of record
Read Before You Sign
Key Fact StatementKnow Before You Owe
What is always disclosed to you.
Before you accept any loan, the applicable terms are set out in the Key Fact Statement and our schedule of charges. Nothing is charged that was not disclosed.
i.
Pricing & Charges
Interest, processing fees, applicable taxes and any default-related charges are disclosed in the Key Fact Statement and the schedule of charges before acceptance.
ii.
Repayment Terms
Tenure, instalment amounts and repayment mechanics are stated up front. Excess payments are adjusted against future dues or refunded to your registered bank account after verification.
iii.
Non-Refundable Items
Unless required by law or caused by our error, processing fees already earned, statutory taxes and charges arising from default or dishonoured transactions are generally non-refundable.
Before Disbursement
You can walk away. So can we.
Your Right
Cancellation by the borrower
You may withdraw a loan application or request cancellation of a sanctioned loan at any time before the loan amount is disbursed. Upon verification of the request, the application is cancelled and no loan amount is released.
Our Right
Decline or cancellation by the Company
The Company may decline or cancel an application before disbursement where:
- Information or documents provided are inaccurate, false or incomplete
- KYC or verification requirements are not fulfilled
- Our credit assessment criteria are not satisfied
- Cancellation is required under applicable law or regulatory directions
The Passage of a Loan
Five entries, every one of them visible to you.
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Entry 1
Application
Submitted through our website or an authorised digital lending channel acting on our behalf.
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Entry 2
Verification
Identity and KYC checks completed under RBI Directions and the Prevention of Money Laundering Act.
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Entry 3
Appraisal
Creditworthiness and repayment capacity assessed with authorised bureau data and our internal policy.
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Entry 4
Disclosure
A Key Fact Statement and all mandatory disclosures reach you before the agreement is executed.
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Entry 5
Disbursal & Repayment
Funds disbursed by the Company to your verified account; repayments collected and serviced by the Company.
Common Questions
Asked often, answered plainly.
If your question is not covered here, our support team and Grievance Officer can be reached through the contact page.
Go to contact & grievanceNo. Submission of a loan application, or even an in-principle approval, does not create any obligation on the Company to disburse. Disbursement remains subject to successful verification, internal approval procedures and execution of the required loan documentation.
You may withdraw your application or request cancellation of a sanctioned loan at any time before disbursement. Once verified, the application is cancelled and no amount is released. Any refund of fees follows our schedule of charges and the terms disclosed to you before acceptance.
Excess amounts may be adjusted against future repayments or refunded to your registered bank account after verification. For duplicate or failed transactions, contact customer support with the transaction details; third-party payment channels may add their own processing timelines.
No. Chrishan Technologies Solutions Private Limited acts solely as our Loan Service Provider, supplying the technology platform and operational support. All lending decisions, approvals, disbursals and recovery remain the sole responsibility of Shree Krishna Beopar Private Limited.
Contact our customer support or the designated Grievance Officer through the details on our contact page. If you remain unsatisfied, complaints may be raised through the Reserve Bank of India Complaint Management System, and unauthorised digital lending applications may be reported through the RBI Sachet Portal.
Ready when you are.
Reach us through our website or authorised digital lending channels. Every application is reviewed by the Company against its internal credit policy and applicable RBI regulations.
Related Documents
Refund & Cancellation Policy · Terms & Conditions · Privacy Policy · Data Processing Consent
Lender of Record
Shree Krishna Beopar Private Limited, Thane-West