Responsible Lending Policy

We follow affordability-first underwriting: a loan should improve, not damage, your financial well-being.

Principles

• Total monthly obligations (existing EMIs + this loan's monthly-equivalent repayment) should not exceed 50% of net monthly income.
• Credit score below the partner threshold is rejected — we do not push expensive credit on subprime borrowers.
• Tenure and amount are recommended based on income stability.
• Borrowers in financial distress are offered restructuring or settlement options.

Transparent disclosure

The annualized cost of credit, total payable, and penalty rules are disclosed in the Key Fact Statement before you sign.