Disclaimer

Last updated: 18 February 2026

Facilitator Disclaimer

CredSuvidha is a financial product facilitator/distributor and NOT a lender, bank, NBFC, or insurance company. We do not provide loans, credit, or insurance products directly. All financial products displayed on this website are offered by our partner banks, NBFCs, and insurance companies. CredSuvidha merely facilitates the connection between customers and financial institutions.

The final decision on loan approval, interest rates, credit limits, insurance coverage, and all other terms rests solely with the respective financial institution. CredSuvidha has no role in the approval or rejection of any application.

RBI Regulatory Disclaimer

All loan products displayed on this website are offered by banks and NBFCs regulated by the Reserve Bank of India (RBI). Key points:

  • Interest rates displayed are indicative and may vary based on your credit profile, loan amount, tenure, and the lending institution's policies
  • The interest rates shown (e.g., "From 8.5%*") represent the minimum starting rates offered by our partner institutions and are subject to change without prior notice
  • Actual interest rates offered to you may differ based on your CIBIL/credit score, income, employment status, and other eligibility criteria
  • Processing fees, prepayment charges, and other applicable fees are determined by the respective lending institution
  • Loan disbursement is subject to the lending institution's verification and approval process

IRDAI Insurance Disclaimer

Insurance products displayed on this website are underwritten by insurance companies registered with the Insurance Regulatory and Development Authority of India (IRDAI).

  • "Insurance is the subject matter of solicitation." Please read the policy terms and conditions carefully before concluding a sale
  • CredSuvidha acts as a referral partner and does not underwrite any insurance policy
  • Tax benefits under Section 80C, 80D, and other sections are subject to provisions of the Income Tax Act, 1961
  • For detailed terms, conditions, and exclusions, please refer to the respective insurer's policy document
  • Past performance of ULIPs and investment-linked insurance products is not indicative of future returns

Interest Rate Conditions

Product Starting Rate* Conditions
Home Loan From 8.5% p.a. For salaried individuals with CIBIL score 750+, subject to property valuation and bank policies
Business Loan From 12% p.a. For businesses with 2+ years vintage and annual turnover as per lender criteria
Personal Loan From 10.49% p.a. For salaried individuals with minimum income and credit score as per lender criteria
Loan Against Property From 9% p.a. Up to 70% of property value, subject to property assessment

* All interest rates are indicative, subject to change without notice, and may vary based on the applicant's profile. The final rate is determined solely by the lending institution at the time of loan sanction.

EMI Calculator Disclaimer

The EMI Calculator provided on this website is for illustrative purposes only. The calculated EMI is based on a standard reducing balance formula and may not reflect:

  • Actual EMI offered by the lending institution
  • Processing fees, insurance premiums, or other charges that may be included in the EMI
  • Variable interest rate changes during the loan tenure
  • Moratorium periods or step-up/step-down EMI structures

Please consult the lending institution for the exact EMI applicable to your loan.

No Guarantee of Approval

CredSuvidha does not guarantee:

  • Approval of any loan, credit card, or insurance application
  • Any specific interest rate, credit limit, or coverage amount
  • Processing time or disbursement timeline
  • Availability of any product or offer displayed on the website

Products and offers are subject to change or withdrawal at the discretion of the respective financial institution without prior notice.

Website Content

While we strive to keep information accurate and up-to-date, CredSuvidha makes no warranties or representations regarding:

  • The completeness, accuracy, reliability, or timeliness of any information on this website
  • Blog articles are for informational purposes and should not be construed as financial advice
  • Statistics mentioned (e.g., "500+ Cr Loans Facilitated", "10,000+ Customers") are approximate figures

External Links

This website may contain links to external websites of our banking and insurance partners. These links are provided for convenience. CredSuvidha is not responsible for the content, privacy policies, or practices of external websites.

Questions?

If you have any questions about this disclaimer, contact us: