Important information before you proceed
Keep these key details in mind while reviewing the complete Terms & Conditions.
Currently Active Products
Your documents and personal information deserve careful handling.
IndiFunds is committed to handling borrower information responsibly, limiting access to authorized purposes and avoiding unnecessary sharing of customer documents.
Responsible Document Handling
Documents submitted for an application or servicing purpose are intended to be used for relevant verification, assessment, processing, customer support and applicable compliance requirements. IndiFunds does not intend to use customer documents for unrelated purposes.
No Unnecessary Sharing
Customer documents and personal information should not be shared unnecessarily. Where information must be accessed or processed by an authorized service provider or other party for a legitimate operational, contractual, legal or regulatory purpose, such handling should be limited to the relevant purpose and applicable requirements.
Privacy & Security Focus
IndiFunds aims to apply appropriate organizational and technical safeguards to protect personal information against unauthorized access, misuse, loss or disclosure, subject to applicable law and the company's privacy practices.
Building a stronger local presence across Delhi NCR.
IndiFunds plans to expand its physical presence across Delhi NCR in the coming period, with a roadmap for up to six branches across key NCR locations. The objective is to make customer assistance, documentation support and face-to-face communication more accessible to borrowers.
Acceptance of Terms
By accessing or using the IndiFunds website and our services, you ("User," "Borrower," "You") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our website or services.
These Terms constitute a legally binding agreement between you and Indifunds, a unit of Devdhan Narayana Finserv Private Limited (CIN: U66190UP2024PTC210110) ("Company," "We," "Our," "Us").
Eligibility
To use our services, you must:
- Be at least 21 years of age
- Be a citizen and resident of India
- Have the legal capacity to enter into a binding contract
- Provide accurate and complete information
- Not be barred by any court order from availing financial services
Account Registration
When you register for our services:
- You must provide accurate, current, and complete information
- You are responsible for maintaining the confidentiality of your account credentials
- You agree to notify us immediately of any unauthorized account access
- You are responsible for all activities under your account
- You may have only one account at a time
Services Offered
All services are subject to internal evaluation and approval by Indifunds.
Application Process
By applying for a loan:
- You authorize us to verify the information provided
- You consent to KYC verification through Aadhaar, PAN, and other documents
- You agree to provide additional documents as requested
- You understand that submission of application does not guarantee approval
- You authorize us to communicate with you regarding your application
Loan Approval and Disbursement
- Loan approval is at the sole discretion of Indifunds
- Approved loans will be disbursed directly to your registered bank account
- Disbursement is subject to completion of documentation and KYC
- We reserve the right to reject any application without disclosure of reasons
- A 3-day cooling-off period is provided post-disbursement
Repayment Obligations
As a borrower, you agree to:
- Repay the loan amount with applicable interest as per the schedule
- Maintain sufficient balance in your registered bank account for EMI deduction
- Pay all applicable fees, charges, and taxes
- Inform us of any change in your contact details or bank account
- Not misuse the loan amount for illegal or unauthorized purposes
Interest Rates and Charges
All charges will be disclosed in the Key Fact Statement (KFS).
Default and Recovery
In case of default:
- We reserve the right to declare the loan due immediately
- We may report defaults to credit bureaus (CIBIL, Experian, Equifax)
- Legal action may be initiated for recovery
- Recovery will be conducted as per RBI Fair Practice Code
- You will be liable for all legal costs and recovery expenses
User Conduct
You agree NOT to:
- Provide false or misleading information
- Use the service for illegal activities or money laundering
- Impersonate any person or entity
- Hack, disrupt, or interfere with our systems
- Share your account credentials with others
- Use automated systems to access our services
- Reverse engineer or modify our website or applications
- Engage in any activity that may harm our reputation
Intellectual Property Rights
All content on our website including logos, trademarks, brand names, text, graphics, images, software code, design elements, documents and templates are the exclusive property of Indifunds or Devdhan Narayana Finserv Pvt Ltd and protected under copyright and trademark laws. Unauthorized use is strictly prohibited.
Third-Party Services
Our website may integrate with third-party services for payment processing, KYC verification, credit checking and data analytics. We are not responsible for the practices of these third-party services. Their terms apply to your interactions with them.
Disclaimers
- We provide services "AS IS" without warranties of any kind
- We do not guarantee uninterrupted or error-free service
- Loan approval is subject to internal evaluation
- Interest rates and terms may vary based on profile
- Information on website is for general guidance only
- We are not liable for any technical issues, delays, or failures
Limitation of Liability
To the maximum extent permitted by law:
- Our liability is limited to the loan amount or processing fees paid
- We are not liable for indirect, incidental, or consequential damages
- We are not liable for losses arising from third-party actions
- We are not liable for unauthorized access to your account due to your negligence
Indemnification
You agree to indemnify and hold Indifunds harmless from any claims, damages, losses, or expenses arising from your breach of these Terms, violation of any law or third-party rights, information you provide, or your use of our services.
Termination
- For violation of these Terms
- For providing false information
- For non-payment of dues
- For any illegal activity
- At our sole discretion with appropriate notice
Termination does not affect your obligation to repay outstanding loans.
Modifications to Terms
We reserve the right to modify these Terms at any time. Material changes will be posted on our website with updated date and notified to active users via email/SMS. Continued use of our services after changes constitutes acceptance of the modified Terms.
Governing Law and Jurisdiction
These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts at Noida, Uttar Pradesh, India.
Force Majeure
We are not liable for failures or delays due to circumstances beyond our control, including natural disasters, government actions or regulations, wars, riots or civil unrest, pandemics or epidemics, technical failures or cyber attacks, and other unforeseen events.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms, along with the Privacy Policy and Loan Agreement (if applicable), constitute the entire agreement between you and Indifunds.
Contact Information
For any questions or concerns regarding these Terms:
Questions about these Terms?
For questions or concerns regarding these Terms, contact IndiFunds through the details below.
+91 8595702470
www.indifunds.com
C 44, Block C, Sector 51, Noida – 201301, U.P., India
Expanding Our Physical Presence Across Delhi NCR
To provide better customer service, easier face-to-face assistance and more accessible documentation support, IndiFunds plans to expand its physical presence across key Delhi NCR locations. The roadmap is intended to make customer assistance more convenient as the business grows.