Terms and Conditions

Terms and Conditions

Welcome to Dar Credit and Capital Limited Family).
 Following Terms and Conditions govern your access and use of our website (www.darcredit.com) and all activities related to loan services, financial products, mobile applications, and digital portals.
By accessing, browsing, or submitting an application on this website, you agree to be bound by these following Terms and Conditions and our Privacy Policy. If you do not agree, please refrain from using our platform.

1. Business Category & Regulatory Compliance

Dar Credit and Capital Limited  is a Non-Banking Financial Company (NBFC) registered and regulated by the Reserve Bank of India (RBI). Our digital platform offers retail and MSME credit solutions, including Personal Loans, Micro-loans, Business Loans, and Loan Against Property (LAP).

2. Loan Eligibility & Consent

  1. Eligibility: Loan applications are subject to our credit evaluation process, age criteria (typically 21–60 years), Indian residency, income verification, and credit score thresholds.
  2. Credit Bureau Inquiry: By submitting your application, you authorize Dar Credit and Capital Limited to pull your credit bureau reports ( From the website of the Bureau ) to evaluate creditworthiness of the proposed borrower.
  3. Information Accuracy: You need to declare that all details, KYC documents, and financial data provided are complete, accurate, and truthful.

3. Electronic Communication & Consent (DND Override)

By providing your phone number and email address on the website:

  1. You explicitly giving consent to receive communications via Calls, SMS, WhatsApp, and Emails regarding application updates, loan disbursals, repayment reminders, and promotional offers.
  2. You agree that this consent overrides any registration on the National Do Not Call (NDNC) / Do Not Disturb (DND) registry.

4. Processing Fees, Interest Rates, and Repayments

  1. Interest & Charges: Interest rates, processing fees, and documentation charges are clearly communicated in the Key Fact Statement (KFS) and Loan Agreement provided before sanction.
  2. NACH / e-Mandate Consent: Repayments must be made on or before the due date via Auto-debit (NACH/e-Mandate), UPI, or designated portal payment gateways.
  3. Penal Charges: Late payments or NACH bounces will attract late payment charges and bounce penalties as outlined in your Loan Agreement and RBI's Fair Practices Code.

5. Intellectual Property Rights

All content; trademarks, logos, texts, graphics, and interface designs displayed onwww.darcredit.com are the exclusive intellectual property of Dar Credit and Capital Limited. You  must not copy, reproduce, or redistribute any material without prior written consent.

6. Limitation of Liability

  1. The website and its features are provided on an "as-is" and "as-available" basis.
  2. The Company shall not be liable for technical outages, payment gateway failures, or delays caused by third-party telecom or banking networks.
  3. Merely submitting a loan application on the portal does not guarantee loan approval or disbursal.

7. Grievance Redressal Mechanism

In accordance with RBI guidelines, if you have any complaints regarding our digital lending platform or service terms, you may contact our Grievance Redressal Officer:

  1. Grievance Redressal Officer: [Name / Compliance Officer]
  2. Email: grievance@darcredit.com / info@darcredit.com
  3. Official Website:www.darcredit.com

8. Governing Law & Jurisdiction

These Terms and Conditions are governed by the laws of India. Any disputes arising out of or in connection with the use of this website shall be subject to the exclusive jurisdiction of the courts in  Kolkata, West Bengal, India.