1. Tailored Loan Solutions
Access reliable and flexible loan solutions designed to meet your unique financial needs:

Maximum Loan Limit: ₹1,00,000
Loan Duration: 91 to 360 days
Processing Charge: Capped at 3% of the loan amount
Daily Interest Rate: 0.08%
Annual Percentage Rate (APR): 29.88%

Detailed Loan Calculation Example
Let’s break down a personal loan of ₹10,000 with a 4-month repayment term:

Processing Fee (3%): ₹300
GST on Processing Fee: ₹54
Total Deductions (Processing Fee + GST): ₹354
Amount Disbursed: ₹9,646 (Processing fee and GST deducted upfront)
Total Interest Payable: ₹982
EMI (Monthly Installment): ₹2,746
Total Repayment Amount: ₹10,982
Please note that the processing fee and applicable GST are deducted from the loan amount at the time of disbursement.


2. Loan Amount Confirmation

The amount to be loaned out will correspond to the figure applied for by the borrower and subsequently confirmed by both the borrower and the lender as per the application process. This confirmation will lead to the enactment of the loan, adhering to the conditions specified within this agreement.


3. Repayment Agreement Specifications

· Repayment Initiation: The repayment process as described in this agreement shall begin immediately from its effective date, adhering to the agreed-upon repayment mechanics until the entire loan along with interest is fully settled.

· Late Payment Repercussions: Failure to timely repay the loan will result in the accrual of overdue interest from the lapse date, calculated at an annualized rate mutually agreed, until the entire overdue principal and interest are paid in full.

· Option for Early Repayment: It is within the borrower's right to fully or partially repay the loan ahead of the stipulated repayment timeframe.


4. Assurance from Sahayta Cash

a. Loan Payment Commitment: Sahayta Cash shall adhere to this agreement by paying the loan amount in a single installment directly to the borrower.

b. Repayment Support Plan: Sahayta Cash will provide a detailed repayment schedule, including all necessary repayment information and support to the borrower for timely loan repayment.

c. Confidentiality and Data Protection: Sahayta Cash commits to the strict confidentiality of the borrower's personal and repayment information, with a firm stance against its unauthorized disclosure or exploitation.



5. Borrower's Commitments

a. Agreement Acknowledgment: The borrower acknowledges understanding the entirety of this loan agreement and commits to adhering to all its terms and conditions.

b. Truthfulness of Information: The borrower assures that all provided information is authentic, precise, and complete, containing no misrepresentations or omissions.

c. Timely Repayment Assurance: The borrower commits to the timely and full repayment of both the loan principal and interest as per the outlined repayment schedule.

d. Consent to Credit Review: The borrower consents to the loan service provider's right to assess, inspect, and evaluate the borrower's creditworthiness and repayment capacity as deemed necessary.


6. Change in Agreement

All updates, changes, or supplements to the conditions of this Agreement necessitate drafting in a written format, which shall then be validated through the mutual agreement and signatures of the involved parties.