1 Definitions

“Right Rupee”, “Company”, “we”, “our”, or “us” refers to AGAMAN FINANCIAL SERVICES LIMITED. “Customer”, “Borrower”, or “User” refers to any individual who accesses our website, applies for a loan, or uses our services.

2 Eligibility Criteria

Loan eligibility is subject to verification, credit assessment, documentation, income profile, employment status, and applicable lender policies.

• Applicant should generally be between 21 and 60 years of age.
• Applicant must provide valid KYC documents such as PAN and Aadhaar.
• Employment and income details may be verified before approval.
• Credit history and repayment capacity may be assessed.

3 Loan Application Process

Customers may apply for a loan through the Right Rupee website by submitting accurate personal, employment, income, and banking details.

• All submitted information must be true and complete.
• Required documents must be uploaded digitally for verification.
• Application status may be communicated through call, SMS, email, or WhatsApp.
• Incomplete or incorrect information may delay or reject the application.

4 Loan Disbursement

Loan disbursement is processed only after successful verification, approval, and acceptance of the loan terms. The approved loan amount is transferred to the borrower’s verified bank account.

5 Interest Rates & APR

Interest rates and APR are determined based on borrower profile, credit assessment, loan amount, tenure, cost of funds, and applicable risk factors.

6 Fees & Charges

• Processing fee may be up to 10% of the sanctioned loan amount plus GST.
• Cheque bounce charges may apply in case of failed repayment.
• Penal charges may apply only for delayed repayments.
• All applicable charges are disclosed in the loan agreement and Key Fact Statement.

7 Repayment Terms

Borrowers must repay the loan as per the repayment schedule shared at the time of loan approval. Timely repayment helps maintain a healthy credit profile.

• EMI due dates must be followed as per agreement.
• Delayed repayment may attract penal charges.
• Repayment failure may be reported to credit bureaus.

8 Default & Consequences

Failure to repay dues on time may be treated as default and may result in recovery follow-up, late payment charges, credit bureau reporting, and legal action where applicable.

9 Pre-Closure

Borrowers may request loan pre-closure as per applicable terms. Any pre-closure conditions, if applicable, will be communicated clearly before processing.

10 Borrower Rights

• Right to receive clear loan terms before acceptance.
• Right to know all fees, charges, APR, tenure, and repayment details.
• Right to respectful recovery practices.
• Right to raise complaints through official grievance channels.
• Right to privacy and secure handling of personal data.

11 Data Privacy

Customer data is collected, processed, stored, and shared in accordance with applicable data protection laws, privacy policy, KYC requirements, and regulatory obligations.

12 Governing Law & Jurisdiction

These Terms and Conditions are governed by the laws of India. Any dispute shall be subject to the jurisdiction of competent courts as per applicable law.

13 Modification of Terms

Right Rupee may update or modify these Terms and Conditions from time to time. Continued use of our website or services after changes means acceptance of the updated terms.

14 Grievance Redressal

For complaints, questions, or concerns regarding these terms, loan services, or customer support, please contact our grievance team.