Terms & Conditions

These Terms & Conditions (“Terms”) govern access to and use of the My Fundss website, application, and loan services offered by Har Shreejee Finance & Leasing Company Limited, an RBI-registered non-banking financial company (“NBFC”, “we”, “us”, or “Lender”).

By visiting our platform, submitting a loan application, or accepting a loan offer, you (“Borrower”, “you”, or “User”) confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and the Key Fact Statement (KFS), sanction letter, and loan agreement applicable to your loan.

These Terms constitute an electronic record under the Information Technology Act, 2000 and applicable rules. We may amend these Terms from time to time. Updated Terms will be posted on this page with a revised “Last updated” date. Continued use after changes constitutes acceptance, to the extent permitted by law.

Lender

Har Shreejee Finance & Leasing Company Limited

Brand

My Fundss

CIN

U65921DL1996PLC082373

RBI reg. no.

B-14.01740

Registered office

F-52, Khanpur Extension, Behind DTC Depot, New Delhi – 110062, India

The My Fundss digital platform may be operated by Trulend Service Private Limited as an authorised technology and service partner. All loan decisions, disbursements, and borrower agreements are with Har Shreejee Finance & Leasing Company Limited as the regulated lender.

To apply for a personal / salary loan, you must:

• Be an Indian citizen and resident in India
• Be at least 21 years and not more than 58 years of age
• Be a salaried employee with minimum monthly salary of ₹40,000
• Hold a valid PAN issued by the Income Tax Department, India
• Hold an active bank account with a scheduled commercial bank in India
• Be competent to contract under the Indian Contract Act, 1872
• Provide accurate, complete, and up-to-date information during application

We reserve the right to decline any application that does not meet internal credit, KYC, AML, or regulatory criteria. Loan approval is at the sole discretion of the Lender and is subject to verification of documents and credit assessment.

To apply, you must complete the online application and provide documents/information as requested, including identity proof, address proof, income proof, and bank details.

By applying, you authorise us to:

• Verify your identity, employment, and financial information
• Obtain your credit report/score from authorised Credit Information Companies (CICs) such as CIBIL, Experian, Equifax, or CRIF, with your consent
• Conduct fraud checks, address/employment verification, and risk assessment
• Contact you via phone, SMS, email, or WhatsApp regarding your application

Providing false, misleading, or incomplete information may result in rejection, cancellation of an approved offer, recall of disbursal (where applicable), and/or reporting to regulators or law enforcement as required by law.

Loan amounts, tenure, interest rate, APR, and other charges are disclosed in your KFS and sanction letter before you accept an offer. Indicative product parameters:

• Loan amount range: ₹5,000 to ₹2,00,000 (subject to eligibility)
• Minimum repayment period: 3 months (91 days)
• Maximum repayment period: 12 months (365 days)
• Rate of interest (ROI): Up to 30% p.a.
• Maximum APR: Up to 35% p.a.

Actual approved terms may vary based on your profile. The maximum APR is disclosed separately from any illustrative example. Late payment charges, bounce charges, and other applicable fees (if any) will be specified in your KFS and loan agreement.

In compliance with RBI digital lending and fair-practices norms, a Key Fact Statement (KFS) containing all material terms — including loan amount, ROI, APR, tenure, EMI, penal charges, cooling-off/look-up period, and grievance contact — will be provided to you before you accept the loan offer.

Your loan is sanctioned only after you review and accept the KFS, sanction letter, and loan agreement. No disbursement will be made without your explicit consent to the disclosed terms.

Upon successful verification and acceptance of loan documents, the approved loan amount will be credited to your designated bank account, as disclosed in the KFS.

Disbursal timelines are indicative and subject to completion of KYC, document verification, and banking processes. We are not liable for delays caused by incorrect bank details provided by you or third-party banking systems beyond our reasonable control.

You agree to repay the loan in accordance with the EMI schedule, due dates, and mode of payment specified in your loan agreement and KFS. Repayment may be through NACH/e-NACH, UPI, bank transfer, or other permitted modes.

Transactional service messages regarding EMI reminders and payment confirmations may be sent to your registered mobile number and email. You are responsible for maintaining sufficient balance in your account on due dates.

Credit of payments to your loan account may take up to 2–3 business days depending on the payment channel and bank processing timelines.

Failure to pay any EMI or amount due on time may constitute default under your loan agreement. Consequences may include:

• Levy of late payment / penal charges as disclosed in the KFS
• Reporting to Credit Information Companies, affecting your credit score
• Initiation of lawful recovery proceedings

We follow RBI fair-practices and conduct norms. We do not engage in harassment, intimidation, or unauthorised disclosure of your personal information to third parties for recovery. Recovery agents, where engaged, act under our written authorisation and applicable regulatory guidelines.

You may prepay or foreclose your loan in accordance with the terms stated in your KFS and loan agreement. Prepayment/foreclosure charges, if applicable, will be disclosed upfront in the KFS. Where no charge is stated, prepayment may be permitted without additional fees subject to the agreement.

A cooling-off or look-up period may be offered as stated in your KFS, during which you may exit the loan in accordance with disclosed terms (including refund/adjustment of charges as applicable). Please review your KFS carefully before acceptance.

We may suspend or terminate your access to the platform or decline/cancel a loan application if you breach these Terms, provide false information, engage in fraud, misuse the platform, or if required by law or regulator direction.

You may contact us to close your application profile after all loan obligations are fully settled, subject to regulatory record-keeping requirements.

You agree not to:

• Use the platform for unlawful, fraudulent, or unauthorised purposes
• Impersonate any person or misrepresent your identity or financial status
• Attempt unauthorised access, scraping, or interference with platform systems
• Upload or transmit harmful, defamatory, obscene, or illegal content
• Use the website for commercial resale or unauthorised reproduction of content

All content, trademarks, logos, software, and materials on the My Fundss platform are owned by or licensed to us and protected under applicable intellectual property laws. You may not copy, modify, distribute, or exploit any content without prior written consent.

The platform and information provided are on an “as is” basis. To the maximum extent permitted by law, we disclaim warranties regarding uninterrupted access, accuracy of third-party data, or suitability for a particular purpose.

We shall not be liable for indirect, incidental, or consequential damages arising from use of the platform, except where liability cannot be excluded under applicable law. Nothing in these Terms limits your statutory rights as a consumer or borrower under Indian law.

Our collection and use of personal data is described in our Privacy Policy. By using our services, you acknowledge that you have read the Privacy Policy.

For complaints or grievances relating to loan services, data, or platform use, contact our Grievance Redressal Officer:

• GRO: Pooja Rawat
• Email: grievance@myfundss.com
• Phone: +91 9311912421

We aim to acknowledge and resolve grievances within 5 business days (RBI grievance redressal timelines apply). See our Grievance Redressal page for details.

These Terms are governed by the laws of India. Subject to applicable consumer and regulatory remedies, courts at New Delhi shall have exclusive jurisdiction.

Related policies:

• Privacy Policy
• Disclaimer
• Grievance Redressal