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Terms and Conditions

Last Updated: February 2026

These Terms and Conditions (“Terms”) constitute a legally binding agreement between the User (“You”, “Your”, “Client”) and Pragathi IT Ads Pvt Ltd, operating through its project Pragathi Financial Solutions (“Company”, “We”, “Our”, “Us”). The registered office of the Company is located at:

By accessing, browsing, or using our website, or availing any of our financial services, you acknowledge that you have read, understood, and agreed to be bound by these Terms in their entirety. If you do not agree, you must refrain from using our services. These Terms are published under the Information Technology Act, 2000 and the rules framed thereunder, and constitute an electronic record that does not require physical or digital signatures.

1. INTRODUCTION

These Terms apply to all individuals and entities availing services from Pragathi Financial Solutions, whether for personal, retail, SME, or corporate financial purposes. By using our services, you agree to comply with and be bound by these Terms. If you disagree with any part, you are advised to discontinue the use of our website or services immediately.

2. SCOPE OF SERVICES

Pragathi Financial Solutions acts as a Financial Solutions provider and DSA (Direct Selling Agent) in partnership with Banks and NBFCs, offering a wide range of financial services. These include:

  • Loan Services (Retail & Corporate): Pragathi Financial Solutions offers a comprehensive suite of loan services tailored to meet both individual and corporate financial needs. Retail customers can access Personal Loans for urgent requirements, Home Loans for purchase or construction, Mortgage/LAP for liquidity against property, Vehicle Loans for personal or commercial use, Education Loans to support higher studies, and Gold Loans for quick funding. Additionally, the company facilitates Credit Cards with varied benefits. For businesses, customized Business Loans are arranged to fuel growth. Clients can also avail Balance Transfer and Top-up Loan options to reduce costs and access extra funds.
  • Corporate & SME Solutions: Pragathi Financial Solutions provides specialized financial solutions designed to support the growth and sustainability of corporates and small & medium enterprises (SMEs). Services include Project Finance for large-scale industrial and infrastructure ventures, and Working Capital Finance through overdrafts, invoice discounting, and cash credit to ensure uninterrupted business operations. Companies can also access Equipment and Machinery Loans for manufacturing, construction, or industrial upgrades. Trade Finance solutions such as export-import support, bill discounting, and letters of credit help businesses manage cross-border and domestic transactions. In addition, Lease Rental Discounting (LRD) and Structured Finance Solutions offer tailored funding models.
  • Investment & Wealth-Linked Products: Pragathi Financial Solutions offers clients opportunities to unlock liquidity without liquidating their long-term investments. Individuals and businesses can avail Loans against Securities such as shares, bonds, and mutual funds, ensuring access to quick funds while retaining ownership of their investments. Similarly, loans can be availed against Fixed Deposits and Insurance Policies, providing a secured and cost-effective borrowing option. Beyond lending, the company also provides Investment-linked Advisory Services, guiding clients on creating wealth strategies that align with their financial goals. These solutions blend borrowing with smart wealth management, ensuring both financial flexibility and long-term growth.
  • Financial Advisory & Documentation Support: Pragathi Financial Solutions provides end-to-end advisory services to simplify the loan journey for clients. This includes Loan Eligibility Assessments, where factors like CIBIL score, income stability, and repayment capacity are evaluated to identify the best funding options. The team offers step-by-step Application and Documentation Guidance, ensuring accuracy and smooth approval. For individuals struggling with multiple loans, Debt Consolidation Services help restructure liabilities into manageable repayments. Additionally, the firm facilitates Insurance Bundling, offering loan-linked insurance solutions such as credit protection, term life, or property coverage, thereby reducing risk and providing financial security alongside lending solutions.
  • Digital & Value-Added Services: Pragathi Financial Solutions leverages technology to deliver a seamless and transparent borrowing experience. Through Online Loan Application and Tracking, customers can conveniently apply from anywhere and monitor their loan status in real time, reducing delays and paperwork. Dedicated Customer Support Services ensure personalized assistance, addressing queries from application to disbursement. To enhance speed and accuracy, Pragathi collaborates with FinTech Partners, integrating AI-driven credit scoring and digital verification tools for quicker approvals. These value-added services not only save time but also build trust, offering clients a hassle-free, efficient, and modern approach to financial solutions.

All services are subject to lender policies, eligibility criteria, and separate agreements with respective financial institutions.

3. SERVICE CHARGES

The Company may receive service charges, commissions, or referral fees from Banks, NBFCs, or financial institutions for facilitating loans or related financial products. In some cases, clients may be required to bear processing fees, documentation charges, or statutory levies, which will be clearly communicated before availing the service. All charges are subject to GST and other applicable taxes. Non-payment of agreed charges (where applicable) may result in suspension or termination of services.

4. NO GUARANTEE OF APPROVAL

Pragathi Financial Solutions facilitates financial products through partner Banks/NBFCs but does not guarantee approval of any loan, credit card, or financial product. Approval, sanction amount, tenure, interest rates, and disbursement are entirely at the discretion of the respective financial institution, subject to their credit policies and risk assessments.

5. ACCEPTABLE USE OF WEBSITE

Users agree to use our website and services lawfully and refrain from activities that are fraudulent, unlawful, defamatory, or harmful to the Company or its partners. Unauthorized use, hacking attempts, or misuse of content is strictly prohibited and may invite legal action.

6. INTELLECTUAL PROPERTY

All intellectual property rights related to the website, content, trademarks, brand names, service marks, and materials are owned exclusively by Pragathi IT Ads Pvt Ltd. No user is permitted to copy, reproduce, or commercially exploit our intellectual property without prior written consent.

7. CONFIDENTIALITY AND DATA PROTECTION

The Company values client confidentiality and complies with applicable data protection and privacy laws. Personal and financial information provided by users will only be used for service facilitation, communication, credit evaluation, or regulatory compliance. The Company does not sell or misuse client data. However, necessary details may be shared with Banks, NBFCs, credit bureaus, and statutory authorities to process applications or meet compliance obligations.

8. DISCLAIMER OF WARRANTIES

All services are provided on an “as is” and “as available” basis. The Company makes no warranties regarding guaranteed loan approval, specific interest rates, timelines, or uninterrupted access to services. Users acknowledge that risks associated with availing financial products rest solely with the lending institution.

9. LIMITATION OF LIABILITY

The Company shall not be held liable for delays, loan rejections, reduced sanction amounts, changes in lending policies, or any indirect, incidental, or consequential losses suffered by clients. Where liability is legally established, it shall not exceed the total service charges (if any) paid by the Client to the Company in the preceding 12 months.

10. THIRD-PARTY LINKS

Our website may contain references or links to third-party websites. These are provided for user convenience only. The Company does not endorse, control, or take responsibility for the content, policies, or practices of third-party sites.

11. TERMINATION OF SERVICES

The Company reserves the right to suspend or terminate services in cases of non-cooperation, misuse, non-payment of charges, breach of confidentiality, fraudulent activity, or as required under law.

12. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed under the laws of India. Any disputes arising shall fall under the exclusive jurisdiction of the courts in Bangalore, Karnataka.

13. AMENDMENTS

The Company may revise these Terms at any time without prior notice. Updated Terms will be published on our website, and continued use of services will constitute deemed acceptance.