Welcome to Singham Finance. By accessing and using our financial services, you agree to comply with the following Terms and Conditions. Please read them carefully before applying for a loan or engaging with our services.
Loans are offered to individuals aged 21 and above with a stable income source. Applicants must provide accurate documentation, including proof of identity, address, and income. The eligibility and loan amount are subject to the company’s discretion after verifying the provided documents.
Loan applications are subject to thorough evaluation, including creditworthiness, repayment capacity, and collateral (if applicable). Submission of an application does not guarantee loan approval. Singham Finance reserves the right to reject an application without providing a specific reason.
Interest rates are competitive and fixed or floating as per the loan agreement. Additional fees, such as processing fees, prepayment charges, or late payment penalties, are clearly disclosed during the application process. There are no hidden charges; all costs will be communicated upfront.
Repayment schedules, including monthly EMIs (Equated Monthly Installments), will be specified in the loan agreement. Timely repayment is mandatory to avoid penalties or additional interest. In case of financial difficulties, customers are encouraged to contact us for potential restructuring options.
Borrowers may prepay their loans, either partially or in full, subject to applicable charges as outlined in the loan agreement. Prepayment requests must be made in writing and are subject to verification and approval.
Borrowers are required to use the loan funds for the purpose specified during the application process (e.g., property purchase, personal needs, or vehicle financing). Misuse of funds may result in immediate loan recall and legal consequences.
Non-payment or late payment of EMIs may result in penalties, increased interest rates, and legal action. In case of secured loans, the pledged collateral (e.g., property or vehicle) may be seized to recover the outstanding loan amount. Borrowers are responsible for all legal expenses incurred during the recovery process and other parties involved in the loan agreement
Singham Finance is committed to protecting your personal and financial information. Customer data will only be shared with third parties as necessary for loan processing, credit checks, or as required by law.
Singham Finance reserves the right to amend these terms at any time. Updates will be communicated via our official website or other appropriate channels.
All loans and agreements are subject to the laws of India. Any disputes will be resolved in the jurisdiction of Beawar(RJ), Chennai(TN)
By applying for a loan, you acknowledge and agree to these Terms and Conditions. For further queries, please contact us.
At Singham Finance, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines the types of information we collect, how we use it, and the steps we take to safeguard it. By using our services, you agree to the terms of this policy.
We collect personal information from customers during the loan application process, including but not limited to:
This information is required for loan processing, verification, and approval purposes.
Your personal information is used for the following purposes:
We do not use your information for any other purposes without your explicit consent.
We may share your personal information with third parties only when necessary for loan processing, credit checks, and other financial assessments, including:
We ensure that all third parties with whom we share your information are committed to protecting your privacy and maintaining the confidentiality of your data.
We implement strict security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. This includes:
Despite our efforts, no data transmission or storage method is entirely secure. Therefore, we cannot guarantee complete security, but we take reasonable measures to protect your information.
You have the right to:
Singham Finance reserves the right to update or modify this Privacy Policy at any time. Any changes will be communicated via our official website, and the updated policy will be effective immediately upon posting.
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us.
Singham Finance is committed to ensuring transparency, fairness, and ethical practices in all its financial dealings. Our Fair Practice Code outlines the principles and guidelines that govern our operations, ensuring a customer-centric approach while complying with regulatory standards. This document aims to provide clarity on loan processing, interest rates, customer confidentiality, and grievance redressal mechanisms, reinforcing our dedication to integrity and trust.
Singham Finance declares its commitment to fair and transparent financial practices. We pledge to serve our customers with integrity, provide clear and accurate information, and uphold ethical standards in all transactions.
1. We shall establish a structured system and procedure for receiving, registering, and resolving complaints and grievances at each of our offices.
2. The Board of Directors of Singham Finance shall define and implement an appropriate grievance redressal mechanism within the organization. This mechanism shall ensure that disputes arising from the decisions of lending institutions’ functionaries are escalated and resolved at the next higher level.
3. Borrowers will be informed about the procedure for handling complaints fairly and efficiently, ensuring transparency in the process.
4. If a borrower wishes to lodge a complaint, they shall be provided with clear guidance on:
5. In case of a written complaint, an acknowledgment will be sent within one week. The acknowledgment shall include the name and designation of the official handling the grievance. If the complaint is made via our designated telephone help desk or borrower service number, a unique complaint reference number will be provided, and the borrower will be kept updated on the progress within a reasonable timeframe.
6. Upon reviewing the complaint, we shall provide a final resolution or communicate if additional time is required. We will endeavor to resolve the issue within six weeks of receiving the complaint. If the borrower is still unsatisfied, they will be informed of further escalation procedures.
7. We shall ensure our grievance redressal procedure is widely publicized and prominently available on our website for easy access by customers.
Mr. Gouthamchand
Email Id : grievance.singhamfinance@gmail.com
8682077000
At Singham Finance, we believe in transparency and fairness when it comes to charges and fees associated with our financial products. Our fee structure is designed to be clear, reasonable, and in compliance with regulatory guidelines. Below is a detailed breakdown of the various charges and fees applicable to our services.
Processing fees are levied to cover the administrative costs involved in loan approval and disbursement. The fee percentage varies based on the loan type and amount. The borrower is informed about the exact processing fee at the time of loan application.
Interest rates are determined based on various factors such as loan type, creditworthiness, market conditions, and risk assessment. The applicable interest rate is communicated transparently in the Sanction Letter, KFS(Key Fact Statement) & loan agreement before disbursement.
A penalty may be imposed for delayed payments beyond the due date. Late payment charges are calculated as a percentage of the overdue amount and vary based on the terms specified in the loan agreement.
Borrowers have the option to prepay or foreclose their loans before the tenure ends.
Prepayment charges may apply based on the loan type and tenure.
In the case of foreclosure, applicable charges will be clearly outlined in the loan agreement.
A nominal fee is charged for document processing, verification, and loan agreement execution. This fee ensures that all legal and procedural requirements are met.
If a borrower’s repayment cheque is dishonored due to insufficient funds or any other reason, a penalty fee will be levied. This charge helps cover administrative and processing costs incurred due to cheque bounce incidents.
If a borrower decides to cancel the loan after approval but before disbursement, minimal administrative charges may apply.
If the loan has already been disbursed, any applicable charges related to processing and interest for the utilized period will be deducted before cancellation.
If legal action is required for loan recovery due to non-payment, the borrower will be liable for legal and recovery-related expenses incurred by the company.
Any additional charges, such as stamp duty, insurance premium, or service taxes, will be communicated to the borrower in advance and outlined in the loan agreement.
Singham Finance is committed to maintaining transparency and ensuring that borrowers are fully informed about all applicable charges before availing of any financial service.
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