Terms of Service & Advisory Policy

1. Nature of Advisory Services

Loan Samadhan acts as an authorized direct selling agent (DSA) and channel partner connecting prospective loan borrowers with Indian banking institutions and Non-Banking Financial Companies (NBFCs). Loan Samadhan does not directly issue capital or operate as a deposit-taking non-banking entity.

2. Our Core Pledge: "लोन नहीं तो कोई फीस नहीं"

Loan Samadhan does not demand upfront consultation charges, appraisal fees, or hidden advisory commissions from applicants. Borrowers are only liable for mandatory bank processing fees, legal search fees, or stamp duties payable directly to lending institutions or government revenue offices.

3. Sanction & Disbursal Discretion

While our consultants work diligently to prepare robust loan dossiers and negotiate preferential interest rates, final credit underwriting, loan eligibility limits, applicable interest rates, and final disbursal approvals remain at the sole and unfettered discretion of the respective RBI-regulated lending bank or NBFC.

4. Applicant Accuracy

Applicants certify that all information, identification credentials, banking statements, and property title records furnished to Loan Samadhan and partner banks are authentic and accurate. Providing counterfeit documentation is prohibited by law.

5. Jurisdiction

Any legal disagreements or matters arising out of our advisory consultations shall be governed under the exclusive jurisdiction of the competent courts of Udaipur, Rajasthan, India.