For the purposes of these Terms & Conditions, the following definitions shall apply:

"Borrower" or "You"

Any individual who applies for, receives, or utilises any lending product or service offered through Utthan Capital.

"Lender" or "We" or "Us"

UTTHAAN CORPORATION PRIVATE LIMITED, a company incorporated under the Companies Act, 2013, having its registered office at 63 Pawan Putra Colony, Karni Palace Road, Panchyawala, Jaipur, Rajasthan, India, 302034.

"EMI" (Equated Monthly Instalment)

The fixed monthly payment amount comprising principal and interest that the Borrower is required to pay towards repayment of the loan.

"Sanction Letter"

The formal document issued by the Lender to the Borrower upon approval of the loan application, containing specific terms including loan amount, interest rate, tenure, EMI, and applicable charges.

"Agreement" or "Loan Agreement"

The legally binding contract executed between the Borrower and the Lender, incorporating all terms and conditions governing the loan facility, which forms the primary contractual document.

These Terms & Conditions ("Terms") govern your access to and use of:

• The Utthan Capital website (www.utthancapital.in) and all associated web pages
• Any mobile applications developed and operated by Utthan Capital
• Online and offline loan application forms
• All lending products and services offered by UTTHAAN CORPORATION PRIVATE LIMITED
• Customer service channels including email, phone, and chat support

By accessing our platform, submitting an application, or availing any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any provision herein, please refrain from using our services.

Note: In the event of any conflict between these general Terms and the specific terms in your Sanction Letter or Loan Agreement, the terms of the Sanction Letter/Agreement shall prevail.

To be eligible for our lending products, you must satisfy the following criteria:

Basic Eligibility

• Be a citizen of India
• Be at least 21 years of age at the time of application
• Not exceed 60 years of age at the time of loan maturity
• Have a stable source of income (salaried or self-employed)
• Possess a valid bank account in your name
• Have a satisfactory credit history (subject to assessment)

KYC Documentation

As per RBI guidelines and the Prevention of Money Laundering Act (PMLA), 2002, you are required to submit:

• Identity Proof: Aadhaar Card, Voter ID, Passport, or Driving License
• PAN Card: Mandatory for all loan applications
• Address Proof: Aadhaar Card, Utility Bill, Rent Agreement, or Passport
• Income Proof: Salary slips (last 3 months), Bank statements (last 6 months), or ITR (last 2 years)
• Photograph: Recent passport-size photograph

We reserve the right to request additional documentation as deemed necessary for verification purposes. Provision of false, misleading, or fraudulent information shall result in immediate rejection of application and may lead to legal action.

Utthan Capital offers various lending products designed to meet diverse financial needs. Our primary offerings include:

• Personal Loans: Unsecured loans for personal expenses, medical emergencies, education, travel, or other legitimate purposes
• Business Loans: Working capital and business expansion financing for eligible entrepreneurs and SMEs
• Consumer Loans: Financing for consumer durables and lifestyle purchases

Interest Rate

Interest rates are determined based on multiple factors including credit score, income, loan amount, and tenure. Rates typically range from:

Processing Fee

Late Payment Charges

In the event of delayed EMI payment:

• Penal interest of [X]% per month on overdue amount
• Late payment fee of ₹[XXX] per instance
• GST applicable on all penalty charges

Prepayment & Foreclosure

• Part-prepayment allowed after [X] EMIs (subject to minimum amount)
• Foreclosure charges: [X]% of outstanding principal (if applicable)
• No prepayment penalty for floating rate loans as per RBI guidelines

All fees and charges are subject to GST at prevailing rates. A complete schedule of charges will be provided in your Sanction Letter.

Interest on your loan may be calculated using one of the following methods, as specified in your Loan Agreement:

Understanding Your Rate: Your Sanction Letter will clearly specify the interest calculation method, the annual percentage rate (APR), and the total interest payable over the loan tenure. We encourage you to review these details carefully and seek clarification if needed.

Loan Disbursement

• Loan amount will be disbursed to your registered bank account via NEFT/RTGS/IMPS
• Disbursement typically occurs within 24-72 hours of agreement execution and documentation completion
• Processing fee and applicable charges will be deducted from the disbursement amount unless paid upfront

EMI Schedule

• Your EMI due date will be specified in the Loan Agreement (typically the 5th or 10th of each month)
• First EMI is due 30 days from the date of disbursement or as specified
• A detailed EMI schedule will be provided with your Sanction Letter

Payment Methods

• Auto-Debit/NACH: Recommended method - EMI automatically debited from your registered bank account
• Post-Dated Cheques (PDC): Where applicable, submitted at the time of loan documentation
• Online Payment: Through our website/app using UPI, Net Banking, or Debit Card

Bounce Charges

Tip: We strongly recommend setting up auto-debit (NACH mandate) to ensure timely EMI payments and avoid bounce charges. Maintain sufficient balance in your account at least 3 days before the EMI due date.

Your Security Obligations

As a user of our services, you are responsible for:

• Maintaining the confidentiality of your login credentials, passwords, and PINs
• Never sharing OTPs (One-Time Passwords) with anyone, including persons claiming to be Utthan Capital representatives
• Using strong, unique passwords and changing them periodically
• Logging out from your account after each session, especially on shared devices
• Immediately reporting any unauthorised access or suspicious activity

Our Commitment

Utthan Capital will NEVER:

• Ask for your password, PIN, or full card number via phone, email, or SMS
• Request OTP for "verification" or "cancellation" purposes
• Send links asking you to update account details via email or SMS

Liability for Unauthorised Transactions

You shall be liable for all transactions made using your credentials until you report unauthorised access. We recommend reporting any suspected breach within 24 hours to limit liability.

Limitation of Liability

To the maximum extent permitted by applicable law:

• Utthan Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability shall not exceed the total fees paid by you in the twelve (12) months preceding the claim
• We are not liable for losses arising from circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, system failures, or internet disruptions

Indemnification

You agree to indemnify, defend, and hold harmless UTTHAAN CORPORATION PRIVATE LIMITED, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from:

• Your violation of these Terms or applicable laws
• Your breach of any representations or warranties
• Any fraudulent, negligent, or wrongful act or omission by you
• Your infringement of any third-party rights

Force Majeure

Neither party shall be liable for failure to perform obligations due to causes beyond reasonable control, including acts of God, war, terrorism, pandemic, government restrictions, or infrastructure failures. In such events, affected timelines shall be extended proportionately.

No Waiver

Any failure by Utthan Capital to enforce any provision of these Terms shall not constitute a waiver of such provision or the right to enforce it at a later time.

Our Intellectual Property

All content on the Utthan Capital platform, including but not limited to:

• Trademarks, logos, and brand elements ("Utthan Capital", "UTTHAAN CORPORATION")
• Website design, graphics, and user interface
• Text, articles, and informational content
• Software, code, and technical infrastructure

are the exclusive property of UTTHAAN CORPORATION PRIVATE LIMITED or its licensors. Unauthorised use, reproduction, or distribution is strictly prohibited.

Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes in connection with our lending services.

Third-Party Links

Our platform may contain links to third-party websites or services. Please note:

• These links are provided for convenience only
• We do not endorse or control third-party content
• Your use of third-party sites is at your own risk and subject to their terms
• We are not responsible for any loss arising from third-party interactions

Your privacy is important to us. This section provides a summary; please refer to our comprehensive Privacy Policy for complete details.

Data We Collect

• Personal identification information (name, address, contact details)
• KYC documents and financial information
• Credit bureau data and banking information
• Device and usage information

Data Sharing

We may share your information with:

• Credit Information Companies (CIBIL, Equifax, etc.) for credit assessment and reporting
• Banking partners for disbursement and collection
• Government authorities as required by law
• Service providers assisting our operations (under confidentiality agreements)

Applicable Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. All transactions and services are subject to applicable Indian laws including but not limited to:

• The Indian Contract Act, 1872
• The Information Technology Act, 2000
• The Consumer Protection Act, 2019
• RBI Guidelines on Digital Lending
• Prevention of Money Laundering Act (PMLA), 2002

Jurisdiction

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall be subject to the exclusive jurisdiction of the courts in Jaipur, Rajasthan, India.

Dispute Resolution

Before initiating legal proceedings, parties agree to attempt resolution through:

1. Direct negotiation between the parties
2. Submission of grievance to our Grievance Officer
3. Mediation, if mutually agreed

If resolution is not achieved within 30 days, either party may proceed with legal action in courts of competent jurisdiction in Jaipur, Rajasthan.

Right to Amend

UTTHAAN CORPORATION PRIVATE LIMITED reserves the right to modify, update, or replace these Terms & Conditions at any time at its sole discretion. Changes may be made due to:

• Changes in applicable laws or regulations
• Updates to our products or services
• Business requirements or operational changes
• Security or fraud prevention measures

Notification of Changes

We will notify you of material changes through one or more of the following methods:

• Email notification to your registered email address
• SMS alert to your registered mobile number
• Prominent notice on our website and/or mobile application
• In-app notification

Acceptance of Changes

Your continued use of our services after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree with any changes, you must discontinue use of our services and settle any outstanding obligations.

The "Effective Date" at the top of this page indicates when these Terms were last updated.

We are committed to addressing your concerns promptly and fairly. Please use the following channels to reach us:

Grievance Resolution Process

1. Submit Complaint: Email your grievance with loan details, issue description, and supporting documents to GRIEVANCE@UTTHANCAPITAL.in
2. Acknowledgement: You will receive an acknowledgement with a unique complaint reference number within 24 hours
3. Investigation: Our team will investigate and may contact you for additional information
4. Resolution: We aim to resolve complaints within 30 days of receipt. Complex cases may require additional time, and you will be kept informed
5. Escalation: If unsatisfied with the resolution, you may escalate to regulatory authorities