These Terms & Conditions govern the loan products and services offered by Survin Finance & Investment Ltd (“Company”). By applying for or availing any loan, the borrower agrees to comply with the terms outlined below and applicable RBI guidelines.
By applying for a loan, the Borrower agrees to all Company policies and RBI guidelines.
Loan approval is subject to eligibility, credit checks, and documentation.
Personal Loan
Gold Loan
Microfinance Loan
EMI-based repayment through bank mandate.
Interest and charges as per the sanction letter.
Late EMI attracts penalties.
Prepayment allowed as per policy.
Defaults may be reported to credit bureaus.
Gold valuation as per purity and market rate.
LTV ratio follows RBI norms.
Gold remains with the Company until full repayment.
Delayed repayment may lead to penal charges and gold auction after due notice.
Gold is stored securely with insurance coverage.
Applicable for eligible individuals/JLG/SHG members.
Group members may share joint liability.
Repayment is weekly/bi-weekly/monthly as informed.
Loan must be used for approved income-generating activities.
Valid KYC documents are mandatory.
Company may verify residence, employment, and references.
False information may result in rejection or legal action.
Processing fee, verification charges, late payment penalties, prepayment charges, and legal expenses may apply.
All charges are non-refundable.
Borrower authorizes sharing of data with credit bureaus, regulators, and service partners as per RBI compliance.
Company maintains data privacy as per regulatory norms.
Recovery will follow RBI Fair Practices Code.
Persistent default may lead to legal action.
Loan is closed only after full repayment and issuance of No Dues Certificate (NDC).
Company may terminate the loan in case of fraud or misuse.
All disputes fall under the jurisdiction of the Company’s registered office location.