DIGITAL LENDING DISCLOSURES

Responsible Lending Disclosures

Compliance with RBI Digital Lending Guidelines & Fair Practice Code

Explicit Platform Role Disclosure

PaisaJi (PaisaJi Technologies Private Limited) functions solely as a technology platform and Lending Service Provider (LSP) enabling credit discovery and loan application assistance. PaisaJi is NOT an RBI-registered Non-Banking Financial Company (NBFC) or bank, and does NOT directly grant loans, issue credit lines, or execute credit approvals.

Participating Regulated Lending Partners

All loan applications originated through PaisaJi are evaluated, sanctioned, and disbursed directly by authorized RBI-regulated entities, including sample partners:

Axis Bank Limited (Regulated Bank Partner)

Tata Capital Financial Services (Regulated NBFC)

Aditya Birla Finance Limited (Regulated NBFC)

Key Fact Statement (KFS) & APR Transparency

Under RBI Digital Lending Guidelines, every borrower is provided a standardized Key Fact Statement (KFS) prior to loan agreement execution. The KFS explicitly discloses:

Effective Annual Percentage Rate (APR) inclusive of all fees.
Itemized processing fees and applicable taxes.
Reducing-balance monthly interest rate and EMI schedule.
Penalty charges, bounce fees, and foreclosure conditions.

Responsible Borrowing Pledge

Borrow responsibly. Ensure that your total monthly debt obligations (EMIs) do not exceed 40-50% of your net monthly income.