Terms & Conditions

Welcome to the website of Aarya Loans Solution Pvt. Ltd. ("Aarya Loans", "we", "us", or "our").

Aarya Loans Solution Pvt. Ltd. operates as a loan and financial product facilitation service / Direct Selling Agent (DSA) / authorised channel partner for various banks, NBFCs and financial institutions. We assist customers in understanding and applying for financial products offered by our lending partners.

By accessing or using our website, submitting an enquiry, or sharing your information with us, you agree to the following Terms & Conditions.

1. Nature of Our Services

Aarya Loans Solution Pvt. Ltd. is primarily engaged in facilitating and assisting customers with financial products offered by various banks, NBFCs and financial institutions.

Our services may include assistance for:

• Personal Loans
• Business Loans
• Home Loans
• Loan Against Property (LAP)
• New Car Loans
• Used Car Loans
• Education Loans
• Credit Cards, including HDFC Bank Credit Cards
• Other financial products offered through our authorised lending partners from time to time

Aarya Loans is not itself the lender unless specifically stated otherwise.

The actual loan/credit facility is sanctioned and provided by the respective bank, NBFC or financial institution.

2. No Guarantee of Loan Approval

Submission of an enquiry or application through Aarya Loans does not guarantee approval or disbursement of any loan or credit product.

Loan approval depends on the eligibility criteria, credit profile, income, employment/business details, documentation, repayment capacity, internal policies and risk assessment of the respective lender.

The final decision to approve, reject, modify or decline an application rests solely with the concerned bank/NBFC/financial institution.

3. Interest Rates, Fees and Charges

Any interest rate, processing fee, documentation charges, insurance premium, foreclosure/prepayment charges, penal charges or other fees displayed on our website or communicated by our representatives are indicative and subject to change.

The applicable rate, fees and other charges will be as determined by the respective lender and communicated to the customer in the lender's sanction letter, agreement, schedule of charges or other official documentation.

Customers are advised to carefully read and understand the lender's terms before accepting any loan or credit facility.

4. Eligibility

Eligibility criteria may vary depending on the product and lender.

Factors considered by lenders may include, among others:

• Age
• Income
• Employment or business profile
• Credit history and credit score
• Existing financial obligations
• Banking transactions
• Residential and employment/business details
• Documentation
• Repayment capacity
• Internal credit and risk policies of the lender

Meeting basic eligibility criteria does not guarantee loan approval.

5. Customer Information and Documents

Customers may be required to provide information and documents such as:

• PAN and Aadhaar/other valid identity documents
• Address proof
• Income proof
• Salary slips or business documents
• Bank statements
• Employment/business details
• Existing loan details
• Property or vehicle documents, where applicable
• Any other information required by the concerned lender

Customers are responsible for ensuring that the information and documents provided by them are true, complete, accurate and genuine.

Providing false, misleading, forged or incomplete information may result in rejection of the application and may have other consequences under applicable law.

6. Consent and Authorisation

By submitting an enquiry/application or providing your contact details, you authorise Aarya Loans and/or its authorised representatives to contact you through phone calls, SMS, WhatsApp, email or other permitted communication channels regarding your enquiry and relevant financial products.

Where required, separate consent may be obtained for sharing information with the concerned bank, NBFC or financial institution for processing the application.

You may withdraw your consent for marketing communications by contacting us through the details provided on our website, subject to applicable legal and regulatory requirements.

7. Sharing of Information with Lending Partners

To process your enquiry/application, information provided by you may be shared with relevant banks, NBFCs, financial institutions, credit information companies, service providers or other authorised entities, where permitted and/or required for processing the requested financial product.

Such entities may independently process your information in accordance with their applicable policies, terms and privacy practices.

8. Credit Bureau / Credit Information

Where applicable and subject to the required consent, the concerned lender or authorised service provider may access credit information from credit information companies such as CIBIL, Experian, Equifax or CRIF High Mark.

Aarya Loans does not control or independently determine a customer's credit score or credit report.

9. Third-Party Lenders

Aarya Loans may work with multiple banks, NBFCs and financial institutions.

Each lender has its own:

• Eligibility criteria
• Credit policies
• Interest rates
• Processing fees
• Documentation requirements
• Approval procedures
• Disbursement conditions
• Terms and conditions

Customers should independently review the official terms and documents issued by the respective lender before accepting any financial product.

10. Website Information

We make reasonable efforts to keep the information on our website accurate and updated. However, product availability, interest rates, eligibility criteria, offers and other information may change from time to time.

Information displayed on the website should not be treated as a binding offer, sanction letter or commitment to provide a loan or credit facility.

11. No Financial Guarantee or Advice

Information provided on our website is intended for general informational and facilitation purposes.

It should not be considered a guarantee of approval, investment advice, legal advice, tax advice or financial advice.

Customers should evaluate their financial requirements and carefully review the terms offered by the concerned lender before entering into any financial agreement.

12. Customer Responsibility

Customers are responsible for:

• Providing accurate information
• Submitting genuine documents
• Reviewing all lender documentation
• Understanding applicable interest rates and charges
• Making timely repayments
• Maintaining accurate contact information
• Complying with the terms of the loan/credit agreement

Aarya Loans shall not be responsible for consequences arising from incorrect, incomplete or fraudulent information provided by a customer.

13. No Cash Payments

Customers are advised not to make any cash payment to any individual claiming to represent Aarya Loans for loan approval, processing or disbursement unless specifically authorised through an official company process.

Customers should verify any payment request and obtain an official receipt.

Aarya Loans does not authorise its representatives to guarantee loan approval in exchange for unofficial payments.

14. Fraud Prevention

Customers should remain cautious of persons falsely representing themselves as employees, agents or representatives of Aarya Loans or its lending partners.

Aarya Loans will not be responsible for losses resulting from payments or information voluntarily provided by customers to unauthorised persons.

If you receive any suspicious communication, please contact Aarya Loans through our official contact details.

15. Communication

We may communicate with customers regarding:

• Loan enquiries
• Application status
• Documentation
• Verification
• Offers and financial products
• Customer service
• Other information relevant to the customer's enquiry

Communication may take place through telephone, SMS, email, WhatsApp or other permitted channels.

16. Intellectual Property

All content available on this website, including text, logos, graphics, images, designs, trademarks and other materials, is owned by or licensed to Aarya Loans Solution Pvt. Ltd., unless otherwise stated.

Such content may not be copied, reproduced, modified, distributed or commercially used without prior written permission.

17. External Links

Our website may contain links to websites or services operated by third parties, including banks, NBFCs and other service providers.

Aarya Loans does not control such third-party websites and is not responsible for their content, availability, privacy practices or terms and conditions.

Customers should review the applicable terms and privacy policies of third-party websites before using them.

18. Limitation of Liability

To the extent permitted by applicable law, Aarya Loans shall not be liable for any loss, damage, delay, rejection, non-disbursement or other consequence arising from:

• Rejection of a loan/credit application by a lender
• Changes in lender policies
• Changes in interest rates or charges
• Delays in processing or disbursement by a lender
• Inaccurate information provided by the customer
• Failure to provide required documents
• Actions or decisions of third-party lenders
• Technical issues or temporary unavailability of third-party systems

Nothing in these Terms & Conditions shall exclude or limit any liability that cannot legally be excluded or limited under applicable law.

19. Changes to These Terms

Aarya Loans may update or modify these Terms & Conditions from time to time.

The updated version will be published on this website with the revised effective date.

Customers are advised to review these Terms periodically.

20. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by the laws applicable in India.

Subject to applicable law, courts having jurisdiction in Mumbai, Maharashtra shall have jurisdiction over matters arising in connection with these Terms & Conditions.

21. Contact Us

For any questions, complaints, verification or clarification regarding our services, please contact: