The agreement you accept

Terms and Conditions

These terms govern your use of PakkaLoan. By registering or using the platform you accept them in full. Please also read our Privacy Policy.

Last updated 11 June 2026

Individuals who register at www.pakkaloan.com, authorize us, our associated Banks/NBFCs partners, and advertisers to send them SMS, calls, or emails to offer services, provide product knowledge, or inform them of promotional offers and financial products. Regardless of their DND or DNC status, PakkaLoan, partnering Banks/NBFCs, and advertisers may contact them for these purposes.

By registering, you authorize PakkaLoan as your authorized representative to receive your Credit Information from agencies such as Experian/CIBIL/EQUIFAX/CRIF for the purpose of credit assessment, advising on loan offers, or until six months from the consent date, whichever is earlier.

  2. 02Personal Information Handling

    This policy covers the handling of personal information collected by PakkaLoan. It also covers personally identifiable information shared by our business partners, excluding practices of companies we do not own or control.

  3. 03Information Collection During Registration

    When individuals register with PakkaLoan, we collect their name, gender, contact details, and other relevant information. By providing these details, users consent to receiving SMS/email alerts regarding services, login details, and promotional content.

  4. 04Privacy Assurance

    We prioritize your privacy: we never share your personal information unless required by law, and use your information solely to fulfill requests. PakkaLoan ensures that personal data remains secure and only used for legitimate business purposes.

  5. 05Membership Eligibility

    The PakkaLoan website is available only to individuals who can form legally binding contracts under the Indian Contract Act, 1872. Minors under 18 are not eligible to use this website without parental or guardian registration.

  6. 06Your Account and Obligations

    If you use PakkaLoan, you must ensure the information provided is accurate. PakkaLoan reserves the right to suspend or terminate membership if any provided information is found to be inaccurate or in violation of these Terms.

  7. 07Communications

    By using our website and services, you consent to receive communications from PakkaLoan electronically. We may contact you via email or other methods as required.

  8. 08Charges

    Browsing the PakkaLoan website and comparing loan offers is free, and PakkaLoan does not charge you, the borrower, any fee for using the platform. Any loan-related charges (such as processing fees, interest or penal charges) are levied solely by the lender and disclosed in that lender's Key Fact Statement. Where we may introduce optional paid services in future, all fees will be quoted in INR and shown upfront.

  9. 09PakkaLoan Is Not a Lender

    PakkaLoan is a loan aggregator / lead-generation and comparison platform and is not a lender, NBFC or bank. We do not lend, sanction, or disburse loans. Loan approval, amount, tenor, interest rate, APR and all charges are decided solely by the partner RBI-regulated bank/NBFC at its discretion. We do not charge borrowers any fee. PakkaLoan operates as a Lending Service Provider (LSP) under the RBI (Digital Lending) Directions, 2025, acting on behalf of partnered RBI-regulated banks and NBFCs. We facilitate discovery and comparison only — we never lend, sanction, disburse, collect or route loan funds, and at no point does loan money pass through PakkaLoan.

  10. 10How We Compare Lenders

    Where your enquiry matches more than one lender, we show you a neutral, comparable view of the offers — naming both matched and unmatched lenders, ranking them only on a pre-disclosed metric, and without deceptive or "sponsored" reordering. Each offer links to the lender's Key Fact Statement (KFS), which contains the binding terms (sanctioned amount, interest rate, all-inclusive APR, EMIs, tenor and all charges). You should review the KFS before accepting any offer; the loan agreement is between you and the lender.

  11. 11Grievance Redressal

    If you have a complaint about our service, contact our Grievance Redressal Officer at info@pakkaloan.com, +91 63627 71907, # 34, 2nd Floor, Opp to Cosmopolitan Club, 3rd Block, Jayanagara, Bengaluru – 560011, Karnataka, India. We follow a 30-day resolution timeline. If your complaint is not resolved, you may escalate to the lender's nodal officer or to the RBI via the Sachet portal (sachet.rbi.org.in) / RBI Complaint Management System. You can also verify any digital lending platform on the RBI DLA directory.

  12. 12Data Protection & Consent

    PakkaLoan is a Data Fiduciary under the Digital Personal Data Protection Act, 2023. We collect and process your personal data only with your explicit, unbundled consent and only for the purposes you agree to, store it on servers in India, and let you withdraw any consent or exercise your data-principal rights at any time. Full details — including what we collect, who we share it with, retention periods and how to complain to the Data Protection Board — are in our Privacy Policy, which forms part of these Terms.

By accessing, browsing, or using this site, you agree to all terms and conditions in this agreement. Please read this agreement carefully before proceeding.

Questions about these terms? Email info@pakkaloan.com.

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