RelicsGrow FinTech Pvt Ltd - Proudly offers loan services across India for both salaried & self-employed individuals. Trusted. Fast. Pan-India-Service.
Welcome to RelicsGrow FinTech Pvt Ltd
Business Loan
Personal Loan
Professional Loan
Home Loan
Mortgage Loan
Construction Loan
Plot Loan
Auto Loan
Business Loan
Personal Loan
Professional Loan
Home Loan
Mortgage Loan
Construction Loan
Plot Loan
Auto Loan
YOUR GROWTH,OUR MISSION
FASTEST LOAN APPROVALS
EXPERT & EXPERIENCED TEAM
DOOR STEP SERVICES
QUICK SERVICE
BEST RATE OF INTEREST
PRIVACY AND SECURITY
NATIONAL NETWORK
CUSTOMIZED SERVICES
OFFERS AND DEALS
PAN INDIA SERVICE
40+ FINANCIAL INSTITUTIONS
Testimonials
Manisha Fulchand Tupe
Varad Electronic
SAMBHAJI NAGAR "Aurangabad"
"Thanks to RelicsGrow FinTech Pvt Ltd,
I was able to secure a 2.10 Crore Mortgage Loan with complete ease.From documention to disbursal"
their team support me professionally every step of the way.
Special thanks to their Aurangabad branch from smooth coordination.Highly reliable and trustworthy service!"
Akhtar Khan
DreamHome Interior (Kondhawa Pune )
I was Able Business Loan Of Amount 70Lakh
RelicsGrow's team was highly professional, transparent,and supportive throughout the process
Their prompt service helped us expand our interior business with confidence.
"Their expert team guided me to the best loan options. Truly exceptional service!"
We are thankfull for their dedication and seamless execution."
"Their expert team guided me to the best loan options. Truly exceptional service!"
Shriniwas Rao (Kothrud Pune)
Director Of "BALAJI MULTI TEK AND SERVICES PVT LTD"
"I was Able Business loan Amount of 60 Lakh"
"Fast approvals and great support. I recommend RelicsGrow to everyone!"
"We appreciate the expert guidance and swift Service from RelicsGrwo."
Their commitment to our success made all the difference in expanding our operation
Kuldip Galbale
Director Of"ARUNODEEP INFRASTRUCTURE PRIVATE LIMITED"(Baramati Pune)
I was Able Of Loan Amount 45 Lakh Business Loan
Thanks To RelicsGrow FinTech Pvt Ltd
"RelicsGrow's Process was Fast", Transparent,and professional.
we received timely funding that helped us accelerate project
"execution and meet our business targets".
"Doorstep service and competitive rates made my experience outstanding!"
Manisha Fulchand Tupe
Varad Electronic
SAMBHAJI NAGAR "Aurangabad"
"Thanks to RelicsGrow FinTech Pvt Ltd,
I was able to secure a 2.10 Crore Mortgage Loan with complete ease.From documention to disbursal"
their team support me professionally every step of the way.
Special thanks to their Aurangabad branch from smooth coordination.Highly reliable and trustworthy service!"
Akhtar Khan
DreamHome Interior (Kondhawa Pune )
I was Able Business Loan Of Amount 70Lakh
RelicsGrow's team was highly professional, transparent,and supportive throughout the process
Their prompt service helped us expand our interior business with confidence.
"Their expert team guided me to the best loan options. Truly exceptional service!"
We are thankfull for their dedication and seamless execution."
"Their expert team guided me to the best loan options. Truly exceptional service!"
Shriniwas Rao (Kothrud Pune)
Director Of "BALAJI MULTI TEK AND SERVICES PVT LTD"
"I was Able Business loan Amount of 60 Lakh"
"Fast approvals and great support. I recommend RelicsGrow to everyone!"
"We appreciate the expert guidance and swift Service from RelicsGrwo."
Their commitment to our success made all the difference in expanding our operation
Kuldip Galbale
Director Of"ARUNODEEP INFRASTRUCTURE PRIVATE LIMITED"(Baramati Pune)
I was Able Of Loan Amount 45 Lakh Business Loan
Thanks To RelicsGrow FinTech Pvt Ltd
"RelicsGrow's Process was Fast", Transparent,and professional.
we received timely funding that helped us accelerate project
"execution and meet our business targets".
"Doorstep service and competitive rates made my experience outstanding!"
Our Achievements
0
Total Loan Disbursed
(₹ Crore)
0
Total Happy Customers
(Number)
Our Partner Banks & NBFCs
Our Office Address
Corporate Office
SR No 4, Mitra Sahakar Nagar, Near Parande Bus Stand, Dighi, Pune 411015
Branch Office
N2 CIDCO API Corner, Near HP Petrol Pump, Sambhaji Nagar, Aurangabad 431001
Branch Office
Old By Pass Road, Nagpur Highway, Sanjay Gandhi Nagar, Amravati 444606
Branch Office
Rampur Road, Near Munde Hospital, Old Bus Stand, Degloor 431717
Dear Customer,
We are a trusted Loan Service provider financial company helping people with loans and financial planning.
Managing Director- Nilkanth Pingle
At RelicsGrow FinTech Pvt Ltd, our mission is to simplify access to financial solutions by connecting you with trusted banks and NBFCs. As Managing Director, I am committed to ensuring transparency, security, and efficiency in every step of your loan journey. We strive to empower your financial growth with innovative technology and personalized service.
Welcome to RelicsGrow FinTech Pvt Ltd! We are your trusted loan service provider, committed to turning your financial dreams into reality. Whether it's a personal loan, business loan, home loan, or any other financial need, we offer the best loan options tailored to your requirements.
Why Choose Us?
Reliability:
We connect you only with trusted, RBI-registered banks and NBFCs.
We stand out in the fintech space for our commitment to excellence. Here's what sets us apart:
- Fastest Loan Approvals: Get decisions in record time with our efficient processes.
- Expert & Experienced Team: A team of financial professionals with years of industry knowledge.
- Door Step Services: We come to you for documentation and support.
- Quick Service: Streamlined applications for minimal wait times.
- Best Rate of Interest: Competitive rates through our extensive partner network.
- Privacy and Security: Robust data protection measures to safeguard your information.
- National Network: Presence across India for widespread accessibility.
- Customized Services: Tailored loan options based on your profile.
- Offers and Deals: Exclusive promotions and flexible terms.
- Pan India Service: Serving customers from every corner of the country.
- 40+ Financial Institutions: Partnerships with top lenders for diverse choices.
Our Partners
We collaborate with over 40 trusted banks and NBFCs to bring you the best loan options. Our key partners include:
- HDFC Bank
- ICICI Bank
- SBI Bank
- Axis Bank
- PNB Bank
- IDFC First Bank
- Kotak Bank
- IndusInd Bank
- Bandhan Bank
- Tata Capital
- Bajaj Finserv
- Poonawalla Fincorp
- Piramal Finance
- Aditya Birla
- Muthoot Fincorp
- AU Small Bank
- SMFG
These partnerships ensure compliance, competitive rates, and reliable disbursements.
Our Team
Our success is driven by a dedicated team of experienced financial experts, tech innovators, and customer service professionals. With backgrounds in banking, fintech, and customer relations, our team is passionate about delivering personalized support.
Certifications and Compliance
We operate in full accordance with the Reserve Bank of India's (RBI) Digital Lending Directions as a Loan Service Provider (LSP). This ensures transparency, fair practices, borrower protection, and adherence to data privacy standards. While we are not directly regulated as a bank or NBFC, our partnerships with RBI-regulated entities guarantee that all operations meet the highest regulatory benchmarks. We also prioritize compliance with data protection laws, including secure data storage in India and customer consent protocols.
Our Achievements
To date, we have disbursed loans worth ₹[Amount in Crore - e.g., 100; update with actual figures] and served [Number - e.g., 5,000+] happy customers. Our focus on innovation and customer satisfaction continues to drive our growth.
Seamless Process:
From documentation to loan approval, we ensure a fast and hassle-free experience.
Our Mission
YOUR GROWTH, OUR MISSION. We aim to empower every individual and business in India by making financial growth accessible, transparent, and hassle-free. Whether you're expanding your business, buying a home, or managing personal expenses, we are committed to supporting your journey with speed, security, and the best possible terms.
Our Role
We are a Loan Service Provider (LSP) that partners with major regulated banks and Non-Banking Financial Companies (NBFCs) to facilitate loan services. We are not a bank or NBFC ourselves – instead, we act as an intermediary to connect customers with the right lenders, streamline the application process, and ensure efficient approvals and disbursements. All loan decisions, interest rates, and fund releases are handled directly by our partner institutions, allowing us to focus on delivering exceptional customer service.
Our Services
We offer a wide range of loan products tailored to meet diverse needs:
- Business Loan: For entrepreneurs looking to expand or manage working capital.
- Personal Loan: Quick funding for personal expenses like weddings, education, or emergencies.
- Professional Loan: Specialized loans for doctors, lawyers, and other professionals.
- Home Loan: Affordable options for purchasing or renovating your dream home.
- Mortgage Loan: Leverage your property for larger funding requirements.
- Construction Loan: Support for building or developing properties.
- Plot Loan: Financing for land purchases.
- Auto Loan: Easy loans for vehicles, including cars and two-wheelers.
Our services emphasize doorstep assistance, minimal documentation, and customized solutions to fit your unique requirements.
Personalized Service:
Customized loan options and expert advice to suit your needs.
At RelicsGrow FinTech, our mission is to empower individuals and businesses with innovative financial solutions. We are committed to transparency, trust, and excellence in all that we do. Thank you for choosing us as your financial partner.
At RelicsGrow FinTech Pvt. Ltd., we understand that trust is not given — it is earned through consistent results, transparent communication, and customer-first thinking.
Our company is built on the foundation of strong ethics, financial expertise, and a relentless commitment to helping individuals and businesses achieve their financial goals. Every service we provide — from unsecured to secured loans — is designed with clarity, speed, and your needs in mind.
What makes us different is not just what we offer, but how we serve: with integrity, responsibility, and personalized care. We take pride in building lasting relationships, not just transactions.
I invite you to experience a financial partnership that stands for professionalism, reliability, and growth.
Thank you for placing your trust in RelicsGrow FinTech. Together, we move forward.
RelicsGrow FinTech Pvt Ltd is not a Bank & NBFC it is a service provider Company.
Unsecured Loan
We offer unsecured loans up to ₹75 lakhs with minimal documentation and quick disbursal.
Secured Loan
Avail secured loans with competitive interest rates against property or assets.
Quick Links
- Check Loan Status
- EMI Calculator
-
Frequently Asked Questions
What types of loans do you offer?
We provide a variety of loans, including Business, Personal, Professional, Home, Mortgage, Construction, Plot, and Auto Loans, each tailored to meet diverse financial needs.
How long does loan approval take?
Loan approval typically takes 3-7 business days, depending on the completeness of documentation and eligibility assessment.
What documents are required for a loan?
Required documents include identity proof, address proof, income proof, bank statements, and, for secured loans, property documents. Exact requirements vary by loan type.
Can I apply with a low credit score?
Yes, applications are welcome, but approval depends on BANK & NBFCs criteria. As Per Criteris Cibil Score must be more than 650+ its depend on your Past Records and all .
EMI Calculator
Monthly EMI: ₹0
Total Interest: ₹0
Total Payment: ₹0
Privacy & Security Policy
Introduction RelicsGrow FinTech Pvt Ltd ("We," "Us," "Our," or "the Company") is committed to safeguarding the privacy and security of your personal information. This Privacy & Security Policy ("Policy") describes how we collect, use, disclose, store, and protect your personal data and sensitive personal data or information (SPDI) in compliance with Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI Rules), the Digital Personal Data Protection Act, 2023 (DPDP Act), and the Reserve Bank of India (RBI) Digital Lending Guidelines. By accessing our website, mobile application, or services ("Services"), you ("You" or "User") consent to the practices outlined in this Policy.
At RelicsGrow FinTech Pvt Ltd, we are committed to protecting your personal information. We collect data such as your name, email, phone number,and financial details solely to process loan applications and provide services. Your data is stored securely using industry-standard encryption and is never shared with third parties without your consent, except as required by law or for loan processing with our partner banks and NBFCs.
We implement robust security measures to prevent unauthorized access, data breaches, or misuse. You have the right to access, update, or request deletion of your data by contacting us at info@relicsgrowfintech.com. By using our services, you agree to our data collection and usage practices as outlined in this policy.
Scope
This Policy governs all personal data and SPDI collected by RelicsGrow FinTech Pvt Ltd through our website [ www.relicsgrowfintech.com ], mobile application, or during the provision of loan services, account management, and related activities.
Definitions
Personal Data:
Any information relating to an identified or identifiable natural person, as defined under the DPDP Act, 2023.
Sensitive Personal Data or Information (SPDI):
Information such as passwords, financial information (e.g., bank account details, credit/debit card details), biometric data, or other data specified under the SPDI Rules, 2011.
Data Principal:
The individual to whom the personal data relates, as defined under the DPDP Act, 2023.
Data Fiduciary:
RelicsGrow FinTech Pvt Ltd, responsible for determining the purpose and means of processing personal data.
Information We Collect
We collect the following types of information:
Personal Information: Name, address, email address, phone number, date of birth, gender, and other details provided during account creation or loan application.
Sensitive Personal Data or Information (SPDI): Financial information (e.g., bank account details, PAN number, credit history), biometric data (if applicable), and transaction details.
Non-Personal Information: Device information, IP address, browser type, usage data, and cookies to enhance your experience.
KYC Information: Identity proof (e.g., Aadhaar, voter ID, passport), address proof, and other documents required for compliance with RBI’s Know Your Customer (KYC) norms.
Usage Data: Information about your interactions with our Services, such as pages visited, time spent, and preferences.
Insurance-Related Data: Property details, KYC documents, and financial information for processing insurance claims or coordinating with insurers for loan-related policies (e.g., property insurance for loans against property).
Purpose of Collection and Use We collect and use your information for the following purposes:
• To process and evaluate loan applications
• To provide, maintain, and enhance our Services.
• To verify identity and comply with RBI’s KYC norms.
• To manage your account and provide customer support.
• To process transactions and payments.
• To comply with legal and regulatory obligations, including anti-money laundering (AML) and counter-terrorism financing (CTF) requirements.
• To prevent fraud, unauthorized activities, or misuse of our Services.
• To communicate updates, offers, or service-related information, subject to your consent where required.
• To conduct internal analytics and improve user experience.
• To facilitate insurance claims for loan-related policies, such as property insurance for loans against property. Coverage for events like government demolition (e.g., due to unauthorized construction or public projects) is subject to the insurer’s terms, which typically exclude such losses unless explicitly covered.
Consent We collect personal data and SPDI only with your explicit consent, obtained through written, electronic, or other verifiable means (e.g., email, SMS, or application forms). You may withdraw consent at any time by contacting us at [info@relicsgrowfintech.com]. Withdrawal of consent may affect your ability to access certain Services. Prior to collecting SPDI, we will inform you of:
• The fact that information is being collected.
• The purpose of collection.
• The intended recipients of the information.
• The name and address of the agency collecting and retaining the information.
Disclosure of Information We may disclose your personal data or SPDI under the following circumstances:
• With Your Consent: To third parties, such as credit bureaus, payment processors, or insurers, for providing Services (e.g., loan processing or insurance claims).
• Business Partners: To trusted third parties (e.g., data storage providers, credit bureaus, analytics providers) who assist us in delivering Services, subject to contractual obligations to maintain confidentiality and comply with data protection laws.
• Joint Marketing Arrangements: With partners for marketing purposes, provided they adhere to this Policy and applicable laws.
• Legal Obligations: To comply with court orders, regulatory requirements, or lawful requests from government authorities, including the RBI, law enforcement agencies, or the Data Protection Board of India.
• Fraud Prevention: To fraud prevention agencies or credit information companies to verify identity or prevent financial crimes.
• Corporate Transactions: In the event of a merger, acquisition, or asset sale, your data may be transferred to the acquiring entity, subject to compliance with this Policy. We do not disclose SPDI to third parties without your prior consent, except as required by law or for the performance of a contract with you.
Cross-Border Data Transfer All personal data and SPDI are stored on servers located in India, as mandated by Indian laws. If data is transferred outside India (e.g., for processing by third-party service providers), we ensure the recipient provides the same level of data protection as required under the DPDP Act, 2023, and SPDI Rules, 2011. No cross-border transfer of SPDI occurs without your consent or unless necessary for the performance of a contract or compliance with legal obligations.
Data Security We implement reasonable security practices and procedures to protect your personal data and SPDI, including:
• Adherence to ISO/IEC 27001 standards for information security management.
• Use of 128-bit SSL encryption for data transmission.
• Restricted access to personal data, limited to authorized personnel bound by confidentiality agreements.
• Regular security audits and vulnerability assessments.
• Secure storage of data on servers located in India.
• Immediate reporting of data breaches to the Indian Computer Emergency Response Team (CERT-In) and affected users, as required under the IT Act, 2000. While we take all reasonable measures to secure your data, no system is completely immune to breaches. By using our Services, you acknowledge the inherent risks of data transmission over the internet.
Your Rights Under the DPDP Act, 2023, and SPDI Rules, 2011, you have the following rights:
• Right to Access: Request access to the personal data we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete personal data.
• Right to Withdraw Consent: Withdraw consent for processing your data, subject to legal or contractual restrictions.
• Right to Grievance Redressal: Contact our Grievance Officer for complaints or concerns regarding data processing.
Note:
The "Right to be Forgotten" is not explicitly recognized under Indian law, but you may request deletion of your data where it is no longer necessary for the purposes for which it was collected, subject to legal retention requirements.
Data Retention We retain personal data and SPDI only for as long as necessary to fulfill the purposes outlined in this Policy or to comply with legal obligations (e.g., RBI regulations requiring retention of KYC data for a specified period).
Upon completion of the purpose or termination of Services, we securely delete or anonymize your data, except where retention is required by law.
Cookies and Tracking We use cookies to enhance your browsing experience, monitor usage, and collect non-personally identifiable information (e.g., browser type, IP address). You may disable cookies through your browser settings, but this may affect the functionality of our Services. We do not use cookies to collect personal data without your consent.
Third-Party Links Our website or application may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. Please review their privacy policies before sharing any information.
Compliance with RBI Guidelines As a loan service provider, we comply with RBI’s Digital Lending Guidelines, including:
• Transparency in loan terms, fees, and conditions.
• Due diligence of lending service providers (LSPs) to ensure compliance with data privacy and security standards.
• Prohibition on storing biometric data unless explicitly permitted by law.
• Ensuring that lending service providers do not access customer data beyond what is necessary for service delivery.
Updates to This Policy We may update this Policy from time to time to reflect changes in legal requirements or our practices. The updated Policy will be published on our website, and the date of revision will be indicated. Your continued use of our Services constitutes acceptance of the updated Policy.
Governing Law This Policy is governed by the laws of India. Any disputes arising under this Policy shall be subject to the exclusive jurisdiction of the courts in [Insert City, e.g., Pune], India.
Disclaimer - RelicsGrow FinTech Pvt Ltd
RelicsGrow FinTech Pvt Ltd ("We," "Us," "Our," or "the Company") operates as a loan service provider, facilitating loan applications through partnerships with regulated banks and non-banking financial companies (NBFCs), including but not limited to HDFC Bank, ICICI Bank, and State Bank of India. We do not act as a direct lender or financial institution. This Disclaimer outlines our role, responsibilities, and limitations to ensure transparency and compliance with applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI Rules), the Digital Personal Data Protection Act, 2023 (DPDP Act), and the Reserve Bank of India (RBI) Digital Lending Guidelines.
1.
Role as Loan Facilitator We assist users in submitting loan applications to our partner banks and NBFCs. All decisions regarding loan approvals, terms, interest rates, disbursements, and associated insurance policies are made solely by the respective lender, based on their eligibility criteria, including but not limited to creditworthiness, CIBIL score, income, and financial obligations.
2.
No Guarantee of Loan Approval We do not guarantee loan approval, sanction, disbursement, or favorable terms, as these are at the discretion of the partner lender. Users are responsible for providing accurate, complete, and truthful information during the loan application process.
3.
Insurance and Loan-Related Coverage Certain loan products, such as loans against property, may include insurance (e.g., property damage or loan liability protection). Coverage terms, conditions, and exclusions are determined by the lender and their designated insurer. Losses arising from government actions, such as demolition due to unauthorized construction, public projects, or regulatory interventions, are typically excluded unless explicitly covered in the lender’s insurance policy. Users are advised to review the Key Fact Statement (KFS) provided by the lender for specific insurance details and exclusions.
4.
KYC and Regulatory Compliance We collect and process Know Your Customer (KYC) documents (e.g., Aadhaar, PAN, voter ID, address proof) in strict compliance with RBI’s KYC norms and other applicable regulations. All personal data and sensitive personal data or information (SPDI) are handled in accordance with our Privacy & Security Policy, adhering to the IT Act, 2000, SPDI Rules, 2011, and DPDP Act, 2023. Data is securely stored on servers in India, and any cross-border transfer occurs only with user consent or as permitted by law.
5.
Third-Party Services Our Services involve third parties, such as credit bureaus, payment processors, and insurers, to facilitate loan processing and related activities. We are not responsible for the actions, policies, terms, or outcomes of these third parties. Users should directly review the terms of service and privacy policies of partner lenders and insurers before engaging with them.
6.
Limitation of Liability To the fullest extent permitted by Indian law, RelicsGrow FinTech Pvt Ltd shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
>The use or inability to use our Services.
>Loan rejections, delays, or unfavorable terms by partner lenders.
>Disputes with third parties, including lenders or insurers.
>Losses due to events beyond our control, such as government actions or force majeure. Users acknowledge that using our Services involves inherent risks, including those associated with data transmission over the internet.
7.
Accuracy of Information We strive to ensure the accuracy and currency of information provided on our website and Services. However, we do not warrant the completeness, accuracy, or reliability of all content, including loan terms, interest rates, or insurance details. Users should verify all information directly with the partner lender or insurer.
8.
Governing Law This Disclaimer is governed by the laws of India. Any disputes arising from or related to this Disclaimer shall be subject to the exclusive jurisdiction of the courts in [Insert City, e.g., Pune], India.
The information provided on the RelicsGrow FinTech Pvt Ltd website is for general informational purposes only. While we strive to ensure accuracy, we do not guarantee the completeness or reliability of the content. Loan approvals, interest rates, and terms are subject to eligibility criteria, credit assessment, and the discretion of our partner banks and NBFCs.
RelicsGrow FinTech Pvt Ltd is not a bank or NBFC but it is a service provider facilitating loan applications. We are not liable for any financial decisions made based on our website’s information or for any losses incurred. Always consult with a financial advisor before making loan-related decisions.
Relics Grow FinTech Pvt Ltd is a loan service company that works in partnership with major banks and NBFCs (such as HDFC Bank, ICICI Bank, SBI, etc.). We are not a bank or NBFC ourselves. All loan approvals, interest rates, and disbursements are handled by our partner institutions. We operate in accordance with RBI's Digital Lending Directions as a Loan Service Provider (LSP). The information provided is general and should not be taken as financial advice. Before taking a loan, please check the terms and conditions of the partner institutions.
• Contact Information For questions, clarifications, or concerns regarding this Disclaimer, please contact us at:
• Email: [ info@relicsgrowfintech.com ]
• Address: [SR NO 4, MITRA SAHAKAR NAGAR,PARANDE BUS STAND DIGHI PUNE]
• Mobile Number: [ 8668563820 ]
Terms & Conditions - RelicsGrow FinTech Pvt Ltd
1) Scope of Services 1.1 We operate as a loan service provider, facilitating the submission of loan applications to our partner banks and NBFCs. We do not act as a direct lender or financial institution. 1.2 Our Services include assisting users with loan applications, Know Your Customer (KYC) processes, and related activities, such as providing access to an EMI Calculator and coordinating with insurers for loan-related policies. 1.3 All loan approvals, terms, conditions, interest rates, disbursements, and associated insurance policies are determined solely by the partner lender, based on their eligibility criteria.
2) User Eligibility 2.1 To use our Services, you must:
• Be at least 18 years old and legally capable of entering into a contract under Indian law.
• Provide accurate, complete, and truthful information, including KYC documents (e.g., Aadhaar, PAN, voter ID, address proof).
• Comply with these Terms and all applicable laws. 2.2 We reserve the right to refuse or terminate access to our Services if you fail to meet eligibility requirements or violate these Terms.
3) User Responsibilities 3.1 You agree to:
• Provide accurate and up-to-date information during the loan application process, including personal, financial, and KYC details.
• Review and verify loan terms, conditions, and insurance policies directly with the partner lender.
• Use our Services for lawful purposes only and refrain from any fraudulent or unauthorized activities. 3.2 You acknowledge that incomplete or inaccurate information may result in loan rejection or delays, for which we are not liable.
4) Loan Facilitation 4.1 We facilitate loan applications by connecting you with partner banks and NBFCs. We do not guarantee loan approval, sanction, disbursement, or favorable terms, as these are at the sole discretion of the lender. 4.2 Loan eligibility depends on the lender’s criteria, including but not limited to creditworthiness, CIBIL score, income, and financial obligations. 4.3 We may provide tools, such as an EMI Calculator, to assist with loan planning, but the accuracy of such tools depends on the information you provide and lender terms.
5) Insurance and Loan-Related Policies 5.1 Certain loan products (e.g., loans against property) may include insurance, such as property damage or loan liability protection. All coverage terms, conditions, and exclusions are determined by the lender and their designated insurer. 5.2 Losses due to government actions, such as demolition for unauthorized construction, public projects, or regulatory interventions, are typically excluded from insurance coverage unless explicitly included in the lender’s policy. You are responsible for reviewing the Key Fact Statement (KFS) provided by the lender to understand specific insurance details and exclusions. 5.3 We may collect and process insurance-related data (e.g., property details, KYC documents) to facilitate coordination with insurers, in accordance with our Privacy & Security Policy.
6) KYC and Data Protection 6.1 We collect and process personal data and sensitive personal data or information (SPDI), such as KYC documents, in compliance with RBI’s KYC norms, IT Act, 2000, SPDI Rules, 2011, and DPDP Act, 2023. 6.2 All data is stored securely on servers in India. Any cross-border data transfer occurs only with your consent or as permitted by law, ensuring equivalent protection under the DPDP Act, 2023. 6.3 You consent to the collection, use, and disclosure of your data as outlined in our Privacy & Security Policy, which forms an integral part of these Terms.
7) Third-Party Services 7.1 Our Services involve third parties, including credit bureaus, payment processors, lenders, and insurers, to facilitate loan processing and related activities. 7.2 We are not responsible for the actions, policies, terms, or outcomes of these third parties. You should review the terms of service and privacy policies of partner lenders and insurers before engaging with them. 7.3 Any disputes arising from third-party services must be resolved directly with the respective third party.
8) Intellectual Property 8.1 All content, logos, trademarks, and materials on our website and Services are the intellectual property of RelicsGrow FinTech Pvt Ltd or our licensors. 8.2 You may not reproduce, distribute, or use our intellectual property without prior written permission, except for personal, non-commercial use in connection with our Services.
9) Limitation of Liability 9.1 To the fullest extent permitted by Indian law, RelicsGrow FinTech Pvt Ltd shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
• The use or inability to use our Services.
• Loan rejections, delays, or unfavorable terms by partner lenders.
• Disputes with third parties, including lenders or insurers.
• Losses due to government actions, force majeure, or events beyond our control. 9.2 We do not warrant the accuracy, completeness, or reliability of information provided through our Services, including loan terms, interest rates, or insurance details. You should verify all information directly with the partner lender or insurer.
10) Termination of Services 10.1 We reserve the right to suspend or terminate your access to our Services at our discretion, with or without notice, for reasons including but not limited to:
• Violation of these Terms.
• Fraudulent or unlawful activities.
• Failure to provide accurate or complete information. 10.2 You may discontinue using our Services at any time by notifying us at [ info@relicsgrowfintech.com ].
11) Grievance Redressal 11.1 For complaints or concerns regarding our Services, contact our Grievance Officer:
• Name: [ Nilkanth Pingle ]
• Email: [ info@relicsgrowfintech.com ]
• Address: [ SR NO 4, MITRA SAHAKAR NAGAR,PARANDE BUS STAND DIGHI PUNE ]
• Phone: [ 8668563820 ] 11.2 We will respond to your complaint within 30 days, as required under the DPDP Act, 2023.
12) Governing Law and Dispute Resolution 12.1 These Terms are governed by the laws of India. 12.2 Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts in [Insert City, e.g., Pune], India.
13) Amendments to Terms 13.1 We may update these Terms from time to time to reflect changes in our practices or legal requirements. 13.2 The updated Terms will be published on our website with the revision date. Your continued use of our Services constitutes acceptance of the updated Terms.
14) Contact Us 14.1 For questions, clarifications, or concerns regarding these Terms, contact us at:
• Email: [ info@relicsgrowfintech.com ]
• Address: [ SR NO 4, MITRA SAHAKAR NAGAR, PARANDE BUS STAND DIGHI PUNE]
• Mobile Number: [ 8668563820 ]
These Terms & Conditions ("Terms") govern your ("You," "User," or "Your") use of the services provided by RelicsGrow FinTech Pvt Ltd ("We," "Us," "Our," or "the Company"), a loan service provider facilitating loan applications through partnerships with regulated banks and non-banking financial companies (NBFCs), including but not limited to HDFC Bank, ICICI Bank, and State Bank of India and mention other BANK and NBFCs as well in our website. By accessing our website [www.relicsgrowfintech.com], our mobile application is not there now, or any services ("Services"), you agree to be bound by these Terms, our Privacy & Security Policy, and applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI Rules), the Digital Personal Data Protection Act, 2023 (DPDP Act), and the Reserve Bank of India (RBI) Digital Lending Guidelines. If you do not agree to these Terms, please refrain from using our Services.
By accessing or using the RelicsGrow FinTech Pvt Ltd website and services, you agree to be bound by these Terms & Conditions. You must provide accurate and complete information during loan applications or job applications. Misrepresentation may result in rejection or legal action.
Our services are subject to availability and approval by partner financial institutions. We reserve the right to modify or discontinue services without notice. You agree not to use our website for unlawful purposes or to disrupt its functionality. For full terms, contact us at info@relicsgrowfintech.com.
