Disclaimer

Please read this disclaimer carefully before using the CreditSaathi Platform. It forms part of our Terms of Use.

1. Our role

CreditSaathi, a brand of Credit Sathi Technology Solution Pvt Ltd, is a digital sourcing partner and Lending Service Provider (LSP) / Direct Selling Agent (DSA) authorised to provide services on behalf of the RBI-regulated banks and NBFCs listed on our Partners page. We are not a bank, NBFC, credit card issuer, credit information company, investment adviser or insurance intermediary. We do not lend money, issue cards, or approve or reject applications.

2. Partners decide

Approval, interest rate, fees, loan amount, tenure, credit limit, disbursal, servicing and recovery are decided solely by the Partner after its own verification, under its credit policy and applicable law. Meeting published eligibility criteria does not guarantee approval.

3. Information is general and indicative

Content on the Platform, including articles, rate ranges, eligibility guides, score explanations, EMI and APR calculators and examples, is general information to help you understand credit products. It is not financial, legal or tax advice and is not tailored to your situation. Rates and terms may change without notice. The Partner's Key Fact Statement, MITC, sanction letter and agreement prevail.

4. APR and cost of credit

The APR (Annual Percentage Rate) of a loan is the annual cost of credit to the borrower and includes the interest rate and all other charges associated with the loan. Loans facilitated by CreditSaathi have a minimum repayment period of 3 months and a maximum of 84 months, and APR ranging from 11.16% to a maximum of 35% p.a.

Representative example: a personal loan of ₹5,00,000 at 10.50% p.a. for 60 months with a processing fee of 1.5% (₹7,500) has an EMI of ₹10,747, total interest of ₹1,44,817, total cost of borrowing of ₹1,52,317 and an APR of 11.16%.

CreditSaathi does not charge any fee directly from borrowers.

5. Commission disclosure

CreditSaathi receives a commission from Partners when a loan is disbursed or a card is issued through the Platform. This does not increase the price you pay. We show the Partners whose criteria you match and rank them by how well you fit, not by the commission we earn.

6. Accuracy and availability

We make reasonable efforts to keep information accurate and up to date, but do not guarantee it is complete or error-free, or that the Platform will always be available. CreditSaathi, its directors and employees are not liable for decisions made solely on the basis of Platform content or for losses arising from use of the Platform, to the extent permitted by law.

7. Trademarks

Bank, NBFC and card network names and logos are trademarks of their owners, used only to identify Products we facilitate, as permitted under our agreements. Their use does not imply endorsement of CreditSaathi beyond those agreements.

8. Fraud warning

CreditSaathi and its Partners never ask for an advance payment, deposit, "file charge", "insurance fee" or "GST" to approve a loan or card, and never ask for your OTP, PIN, CVV or passwords. Our official communication comes only from support@creditsaathi.co.in, our listed phone number and our DLT-registered SMS headers. If you receive a suspicious call or message using our name, do not pay. Report it to us, at cybercrime.gov.in or on 1930, and on RBI's Sachet portal (sachet.rbi.org.in).

9. Responsible borrowing

Credit costs money. Borrow only what you need and can repay. Missed EMIs or card payments attract penal charges, are reported to credit information companies and can make future credit harder to get.