Terms and Conditions

1. About These Terms

Welcome to Kredsutra. By accessing or using our website and services, you agree to these Terms and Conditions. Please read them carefully.

2. Nature of Our Service

Kredsutra is a loan facilitation and application-assistance platform. We help connect users with our lending partners. Kredsutra is not a bank, lender, or NBFC and does not lend money directly. All loan approvals, terms, interest rates, and disbursals are decided solely by the respective lending partner.

3. Eligibility

You must be at least 21 years of age and a resident of India to use our services. Information you provide must be accurate and complete.

4. No Guarantee of Approval

Submitting an application does not guarantee a loan. Any indicative "Eligibility Score" shown on our platform is an internal estimate to help you understand your options and is not a credit-bureau score or a commitment to lend.

5. Fees

Any applicable processing or service fees will be clearly displayed before you proceed. Please review them carefully before making any payment.

6. User Responsibilities

• Provide true, current, and complete information.
• Keep your contact and login details secure.
• Use the platform only for lawful purposes.

7. Limitation of Liability

Kredsutra acts as a facilitator and is not responsible for the decisions, terms, or conduct of any lending partner. To the extent permitted by law, we are not liable for any indirect or consequential losses arising from the use of our services.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the platform after changes are posted constitutes acceptance of the revised Terms.

9. Contact

For any questions about these Terms, please reach us through our Contact Us page.