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Terms & Conditions

UTKARSH CAPITAL PRIVATE LIMITED ("the Company") provides loan assistance services subject to the following terms and conditions. By accessing our website or using our services, you agree to be bound by these terms.

Last Updated: 21 February 2026 · Version 3.0

Acceptance of Terms: By using our website, submitting any application, or requesting loan assistance, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Service Description

UTKARSH CAPITAL PRIVATE LIMITED is a loan assistance facilitator, not a lender. We provide:

Guidance on loan application process
Document verification assistance
Connecting applicants with partner lenders
Information about eligibility and terms

We do not sanction loans directly. Loan approval, amount, interest rate, and terms are solely at the discretion of the partnering lender.

Eligibility

To use our services, you must:

Be at least 21 years of age
Be a resident of India
Provide accurate and complete information
Have valid KYC documents (PAN, Aadhaar, etc.)
Meet lender-specific eligibility criteria

Meeting these criteria does not guarantee loan approval.

User Responsibilities

As a user, you agree to:

Provide true, accurate, and complete information
Submit genuine documents for verification
Not misrepresent your identity or financial status
Use the services only for lawful purposes
Keep your account/login credentials confidential

Providing false information may result in rejection of application and legal action.

Fees & Charges

Our loan assistance services may involve:

Consultation Fee: As communicated upfront (if applicable)
Processing Fee: Charged by lender, not by us
Documentation Charges: If applicable, disclosed before submission

All fees are communicated transparently. No hidden charges.

No Guarantee of Approval

We explicitly state that:

Loan approval is not guaranteed
Interest rates and terms are determined by lenders
Submission of documents does not ensure sanction
Past approval does not indicate future approval

We do not make any false promises or guaranteed approval claims.

Intellectual Property

All content on this website, including:

Text, graphics, logos, and images
Software and code
Design and layout

is the property of UTKARSH CAPITAL PRIVATE LIMITED and protected by copyright laws.

Limitation of Liability

To the maximum extent permitted by law, UTKARSH CAPITAL PRIVATE LIMITED shall not be liable for:

Any indirect, incidental, or consequential damages
Loss of data, income, or opportunity
Decisions made by lenders regarding loan approval
Third-party actions or omissions
Technical issues beyond our control

Our total liability, if any, shall be limited to the fees paid by you for our services (if applicable).

Indemnification

You agree to indemnify and hold harmless UTKARSH CAPITAL PRIVATE LIMITED, its directors, employees, and affiliates from any claims, damages, losses, or expenses arising out of:

Your violation of these terms
False or misleading information provided by you
Unauthorized use of our services
Your actions that cause harm to third parties

Governing Law & Dispute Resolution

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

In case of any dispute, we will attempt to resolve it through amicable negotiation. If unresolved, it may be referred to arbitration as per the Arbitration and Conciliation Act, 1996.

Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on this website. Your continued use of our services after any changes constitutes your acceptance of the revised terms.

We recommend reviewing this page periodically for updates.

Contact Us

Registered Office

UTKARSH CAPITAL PRIVATE LIMITED
Office No. 404, 4th Floor, Business Hub, Andheri East, Mumbai - 400069

Email

support@utkarshcapital.com
grievance@utkarshcapital.com

Phone

+91 22 1234 5678
Mon-Fri, 10am - 6pm

Additional Important Clauses

Severability: If any provision of these terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Waiver: Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision.

Entire Agreement: These terms constitute the entire agreement between you and UTKARSH CAPITAL PRIVATE LIMITED regarding our services and supersede any prior agreements.

Third-Party Links: Our website may contain links to third-party websites. We are not responsible for their content or practices.