Loan Amount
₹5,000 to ₹1,30,000*
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Short-Term Personal Loan
Kissandhan Agri Financial Services Private Limited ("Company") is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India and offers digital lending products through its authorised Digital Lending Applications (DLAs).
The Company offers a Short-Term Personal Loan through its authorised Digital Lending Applications to meet the immediate and genuine financial requirements of eligible customers. The product is designed to provide a seamless, secure and fully digital borrowing experience, enabling customers to apply for and avail credit through a simple and paperless process.
All loans offered through the above Digital Lending Applications are originated and sanctioned solely by Kissandhan Agri Financial Services Private Limited, subject to the Company's credit assessment and internal policies.
Fast, secure and fully digital borrowing experience
Fact Sheet
Tenure
Min 7 days – Max 45* days
Customer Segment
Salaried Individuals
Process
Fully Digital & Paperless
*Exception may be considered basis individual strengths and cashflows of prospective borrower.
Authorised Digital Lending Applications (DLAs)
The details of the presently available Digital Lending Applications are provided below:
All loans offered through the above Digital Lending Applications are originated and sanctioned solely by Kissandhan Agri Financial Services Private Limited, subject to the Company's credit assessment and internal policies.
Loan Service Provider (LSP)
The Company has engaged the following Loan Service Provider (LSP) for providing technology and operational support in connection with its digital lending business.
Loan Service Provider: Fintech Cloud Private Limited
Scope of Services
The LSP has been engaged for one or more of the following activities:
- Customer onboarding and digital loan journey
- Operation and maintenance of the Digital Lending Applications
- Collection of loan applications and supporting information
- Customer interface and communication support
- Integration with identity verification, KYC and credit assessment systems
- Technical integration with payment systems and banking partners
- Assistance in loan servicing and customer support
- Collection facilitation and recovery support, wherever specifically authorised by the Company and permitted under applicable law
- Technology support, analytics, reporting and other ancillary services as agreed with the Company
The LSP acts strictly in accordance with the Master Service Agreement executed with the Company and applicable directions issued by the Reserve Bank of India. The LSP does not sanction loans or undertake lending in its own name unless specifically permitted under applicable law.
The Company's authorised Digital Lending Applications operated with the assistance of the above LSP are Rupee Plant and The Cashero.
Customer Care & Internal Grievance Redressal
The Company has established a robust internal grievance redressal mechanism for addressing customer complaints relating to its digital lending products and services.
Customers may register their grievances through the contact channels provided on the Company's Contact Us page or Grievance Redressal page.
All complaints received by the Company shall be acknowledged, examined and resolved in accordance with the Company's Grievance Redressal Policy and applicable regulatory requirements. The Company endeavours to resolve customer grievances within the timelines prescribed under applicable laws and Reserve Bank of India directions.
Grievance Redressal Officer – Digital Lending
Name: Taranveer Singh
Designation: Grievance Redressal Officer
Email: grievance@thecashero.com
Contact Number: 8796122231
Registered Office Address: 644, DLF Towers, 15 Shivaji Marg, Najafgarh Road, Moti Nagar, New Delhi-110015
The above contact details are also displayed on the Company's Digital Lending Applications and communicated to borrowers through the Key Fact Statement (KFS).
Reserve Bank of India Complaint Mechanism
If a complaint made by a borrower is rejected wholly or partly by the Company, or the borrower is not satisfied with the Company's response, or no response is received within thirty (30) days from the date of lodging the complaint with the Company, the borrower may lodge a complaint with the Reserve Bank of India through the Complaint Management System (CMS) under the Reserve Bank – Integrated Ombudsman Scheme, as applicable.
Borrowers may also submit complaints physically to:
Centralised Receipt and Processing Centre
4th Floor, Reserve Bank of India
Sector-17, Central Vista
Chandigarh – 160017
Customers may also access the following RBI portals:
- RBI Complaint Management System (CMS): cms.rbi.org.in
- RBI Sachet Portal: sachet.rbi.org.in
Privacy and Data Protection
The Company and its Loan Service Provider maintain comprehensive Privacy Policies in accordance with applicable laws, Reserve Bank of India directions and industry best practices.
The Company's Privacy Policy is available on this website, and the respective Privacy Policies are also available on the authorised Digital Lending Applications.
Digital Lending Application (DLA) Disclosure
The Company discloses particulars of all authorised Digital Lending Applications through which its digital lending products are offered in accordance with the applicable directions issued by the Reserve Bank of India.
The authorised Digital Lending Applications presently associated with the Company are Rupee Plant and The Cashero. The above list may be updated from time to time upon addition, modification or discontinuation of any Digital Lending Application.
