Terms and Conditions

Welcome to OmFintech eMudra. By accessing or using our website and services, including personal loans, overdrafts and credit card offerings (collectively, the “Services”), you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Eligibility

To use our Services, you must:

  • Be at least 18 years old.
  • Be a resident of India.
  • Have a valid government-issued ID (such as Aadhaar, PAN).
  • Provide accurate and complete application information.

2. Loan and Credit Services

OmFintech eMudra offers:

  • Personal Loans: Subject to approval based on creditworthiness and documentation.
  • Overdraft Facility: Linked to eligible bank accounts with terms disclosed at approval.
  • Credit Cards: Issued in partnership with regulated financial institutions.

All approvals are at the sole discretion of OmFintech and/or its banking partners.

3. User Obligations

  • You agree to provide truthful and updated information.
  • You will use the services only for lawful purposes.
  • You will maintain the confidentiality of your login credentials.

4. Interest Rates and Fees

  • Interest rates, processing fees, late payment charges and other applicable fees will be clearly disclosed during the application process.
  • OmFintech reserves the right to update charges as per RBI regulations or partner banks’ terms.

5. Repayment Terms

  • Repayment schedules and methods will be provided in the loan/credit agreement.
  • Delays in repayment may attract penalties and affect your credit score.

6. Data Privacy

Your personal data will be processed in accordance with our Privacy Policy and as per applicable Indian data protection laws.

7. Third-Party Services

OmFintech may collaborate with banks, NBFCs and credit bureaus. You authorize us to share your information with such third parties for credit evaluation and service provision.

8. Disclaimers

  • OmFintech makes no guarantees on approval, timelines or interest rates.
  • All loan/credit decisions are subject to credit verification and risk assessment.

9. Limitation of Liability

OmFintech will not be liable for:

  • Any loss or damage resulting from your use of the Services.
  • Any unauthorized access to your account due to your negligence.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India and any disputes shall be subject to the jurisdiction of the courts of India - UttarPradesh.

For any questions or concerns, contact us at:

📧 Email: info@omfintechemudra.com
📞 Phone: +91 8869901491

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