Terms & Conditions

Last updated: 18 Aug 2026

1. Introduction

Welcome to Shubhaarambh Micro Finance. By accessing our website or availing any of our financial services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please discontinue use of our website and services.

2. Eligibility

To avail our loan and financial products, you must be at least 18 years of age, an Indian resident, and provide valid identification and documents as required for KYC (Know Your Customer) verification.

3. Loans & Services

• All loans are sanctioned at the sole discretion of Shubhaarambh Micro Finance and are subject to eligibility, credit assessment and document verification.
• Interest rates, processing fees, tenure and repayment schedules are communicated at the time of sanction and are governed by applicable RBI/regulatory guidelines.
• The borrower is responsible for timely repayment of EMIs. Delays may attract penalties as per the loan agreement.

4. Fees & Charges

Applicable fees, charges and interest will be disclosed transparently before disbursement. You are advised to read your loan agreement / sanction letter carefully.

5. Responsibilities of the Customer

• Provide accurate, complete and up-to-date information.
• Use the loan amount for the stated, lawful purpose.
• Notify us promptly of any change in contact details or financial circumstances.

6. Limitation of Liability

Shubhaarambh Micro Finance shall not be liable for any indirect, incidental or consequential loss arising out of the use of our website or services, to the maximum extent permitted by law.

7. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Continued use of our services after any changes constitutes acceptance of the revised terms.

8. Contact Us

For any questions regarding these Terms & Conditions, please contact us at shubhaarambhmicro@gmail.com.