Terms of Service
Vittavardhan Financial Services
Effective Date: March 1, 2026
Vittavardhan Financial Services ("Vittavardhan", "we", "us", "our") operates as a technology platform and loan aggregator on the Open Network for Digital Commerce (ONDC).
Vittavardhan does not directly lend. We connect borrowers with RBI-registered lending partners who evaluate, approve, and disburse loans based on their own credit assessment criteria.
Company Details:
- • Registered Name: Vittavardhan Financial Services
- • Incubated at: Indian Institute of Technology (IIT) Kanpur
- • ONDC Network Participant ID: [To be updated]
- • CIN: [To be updated]
To use our services, you must:
- Be at least 18 years of age
- Be a citizen or resident of India
- Have a valid PAN card and Aadhaar for KYC
- Provide accurate and truthful information in all applications
Vittavardhan provides:
Loan Marketplace
Compare personal loans, gold loans, invoice loans, and credit cards from multiple RBI-registered lenders.
ONDC Integration
Real-time access to the ONDC financial services network for transparent pricing and offers.
AI Financial Advisor
AI-powered guidance to help you choose the right financial product.
Digital Application
End-to-end digital loan application with minimal documentation.
Important Disclosure
- • Vittavardhan is NOT a lender — we are a technology-driven marketplace.
- • All loan products, interest rates, fees, and approval decisions are solely determined by the respective lending partner.
- • Your loan agreement is between you and the lending partner, not with Vittavardhan.
- • Vittavardhan does not guarantee loan approval or specific interest rates.
Our lending partners include RBI-registered NBFCs and banks. Each partner follows their own credit assessment criteria, KYC processes, and compliance requirements.
As per RBI guidelines, all lending partners are required to provide a Key Fact Statement (KFS) before loan disbursement. The KFS will include:
APR Range: Interest rates on our platform range from 8.5% p.a. to 36% p.a. depending on the lender, credit profile, loan amount, and tenure. The exact APR will be communicated via KFS before disbursement.
By using our platform, you agree to:
- Provide accurate, complete, and current information
- Not misrepresent your identity, income, or financial position
- Not use the platform for any fraudulent or illegal purpose
- Repay all loans as per the agreed terms with the lending partner
- Not share your login credentials with third parties
If you have any complaints or grievances regarding our services, contact our Grievance Officer:
Grievance Officer
Resolution Timeline
- • Acknowledgment: Within 24 hours
- • Initial Response: Within 48 hours
- • Final Resolution: Within 30 days
- • Escalation: If unresolved, escalate to the respective lender's nodal officer or the Banking Ombudsman
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Kanpur, Uttar Pradesh, India.