Terms & Conditions

    I/We have applied for loan Via ValuEnable PVT Ltd.I/We undertake,declare,agree and confirm that:


  1. I/We understand the Risk Gradation and Interest Rate on a Loan that I/We have applied for will be based on Loan amount, tenure, down payment, Security/Collateral offered for the Loan,risk parameters,market conditions, cost of funds, loan history with Lender, credit score provided by credit information company, my/our age, income and any other information as may be required for the purpose of credit evaluation
  2. I/We am/ are aware the normally applicable interest on loans and other charges are available on the Lenders website
  3. I/We acknowledge application of loan, applicable schedule of charges along with documents to be submitted for my loan processing with specified lender.
  4. All particulars,information,copies of financials/bank statements/title records/legal and other documents and details given/filled in or submitted along with this Loan Application, or tab/mobile app based Application form filled by lender representative are true,correct,and updated in all respects and that no information/details whatsoever has been with held/concealed. The information/details/documents submitted by me/us including sensitive personal information shall form the basis of the credit appraisal done by ValuEnable Lender Partner and any loan/service or amount thereof that lender may decide to grant to me/us at its sole discretion.
  5. In case any discrepancy is found or observed from the documents/information/detail submitted by me/us,Lender shall, in its sole discretion,be entitled to cancel the sanction at any stage or recall the loan,if already disbursed.
  6. I/We have never defaulted in any loan availed from any other bank/financial institution.
  7. No award, decree, judgement or order has been passed against me/us involving breach of contract, tax malfeasance or other misconduct which could have any adverse effect on my/our capacity to repay the loan.
  8. I/We confirm that no insolvency proceedings or suits for recovery of outstanding dues or monies whatsoever and/or any criminal proceedings or any proceedings for winding up, dissolutions, administration or reorganization or for the appointment of the receiver, administrator, administrative receiver, trustee or similar officer for my/our assets have been initiated and/or are pending against me/us and that I/We have never been adjudicated insolvent by any court or other authority.
  9. I/We specifically authorize ValuEnable and all its group/business associate companies and their employees, agents and representatives to collect, exchange, share or part with all or any information for any purpose including cross selling and referrals.
  10. I/We acknowledge and agree that Lender shall have, in its absolute discretion and without assigning any reason (unless required by applicable law), the right to accept or reject the Loan Application and ValuEnable shall not be responsible in any manner whatsoever to me/us for such rejection or any delay in notifying me/us of such rejection and any costs, losses, damages or expenses, or other consequences,caused by or arising out of such rejection, or any delay in notifying me/us of such rejection, of my/our application. Quantum of the loan will be finally decided by Lender and ValuEnable has not made any commitment to me/us regarding the same.
  11. The amount of loan shall be decided by Lender in its sole discretion and ValuEnable does not and has not made any commitment to me/us regarding the same.
  12. ValuEnable or its Lender partner is not under any obligation under any circumstances whatsoever to refund registration/upfront/processing fee or any fee by whatever name called once paid.
  13. All payments including for stamp duty, registration fee, legal fee,valuation charges, ROC filing charges (if applicable), documentation charges and any other out of the pocket expenses as per actuals shall be borne by me/us.
  14. I/We understand that the disbursement will be subject to production of necessary documents as may be required by Lender from time to time, satisfactory completion of Lender appraisal and documentation process and compliance with laid down norms/guidelines.
  15. Any change in information submitted with this Loan Application or thereafter including change in address(s), employment or profession, income, telephone number etc. shall be promptly informed to Lender.
  16. I/ We confirm that I/we shall cooperate with ValuEnable & its Lender partner and furnish additional documents and/or shall execute such other documents, if necessary to enable to abide by/comply with all other existing/further directives of the statutory/regulatory authorities/any other authority in accordance with applicable laws.
  17. I/We authorize ValuEnable & its lender Partner to disclose any information/documents submitted with Loan Application or anytime thereafter or relating to me/us,of the loan(s) proposed to be availed by me/us, as may deem appropriate and necessary, to Reserve Bank of India,tax authorities, Credit Bureaus, third parties, credit rating agencies, TransUnionCredit Information Bureau (India) Ltd. or any other agency authorized in this behalf by RBI, or Government or any regulatory/ statutory /judicial /quasi-judicial authority and also to obtain information from these agencies/authorities etc. with respect to me/us so as to enable lender to appraise my/our Loan Application.
  18. I/We undertake that (a) CIBIL and any other agency so authorized may use,process the said information and data disclosed by ValuEnable Lender Partner in the manner as deemed fit by them; and (b) CIBIL and any other agency so authorized may furnish for consideration, the processed information and data disclosed or products thereof prepared by them, to Bank/Financial Institutions and other Credit Grantors or Registered Users, as may be specified by the RBI in this behalf.
  19. I/We hereby authorize ValuEnable & Its Partner Lender as may be required in order to enforce the rights of lender pursuant to the provisions of the insolvency and Bankruptcy Code, 2016 and required to monitor the Loan and the utilization thereof, and /or to take steps toward the recovery of the Outstanding Amounts.
  20. I/We authorise ValuEnable to contact me/us for products and services offered by ValuEnable or any service provider regarding dues, marketing schemes, various other financial and insurance products, etc. in any of the following methods: (a) Telephone even if the Applicant’s name appears in Do Not Call Register. (b) E-mail (c) SMS (d) Whatsapp; (e) other communication channels under applicable laws.
  21. I/We hereby confirm that I/we am/are competent and fully authorized to give declarations, undertaking etc. execute and submit this Loan Application and all other documents for the purpose of availing the loan, creation of security and for all the purposes mentioned/required to be done in this regard.
  22. I/We hereby declare that information given by us in application form and digital application form, if there is any inconsistency, the information provided in digital form will prevail.
  23. I/We expressly and irrevocably give further consent that ValuEnable is entitled (but not obliged) to contact at any such place, person/or entity, reasonably believed by ValuEnable of having any connection with the Applicants, details of which may be available with ValuEnable either directly or indirectly in order to establish contact with the Applicants, disclose relevant information regarding the Loan or procure information that may be relevant for ValuEnable to service the Loan or exercise its rights and obligations in terms of the T&C.
  24. No money or fees has been solicited or paid in cash to any ValuEnable employees/business associates during the process of application submission.
  25. Any information or data disclosed to ValuEnable pursuant to the Loan Application Form and the T&Cs has been provided out of the Applicant’s own free will and volition.
  26. ValuEnable's Lender Partner may collect, use, process, store, transfer the information or data, including any sensitive personal information or data, for any or all of the following purposes : (i). Of data processing, statistical or risk analysis, conducting credit or KYC or anti-money laundering checks, credit risk management, or monitoring the Applicant’s credit worthiness. (ii). Of meeting the disclosure requirements of any law binding on Lender.
  27. I/We agree that submission of the Loan Application does not imply automatic approval of the loan by Lender. Lender may request for additional documents other than those submitted along with the Loan Application. I/We confirm that the executive who collected my/our applications/documents has informed me/us and I/we am/are fully aware that –1. Any tax, fee, cess, duty etc. as may be applicable and payable from time to time will be charged in connection with the loan. 2.ValuEnable is not liable for the safe keeping and return of any documents/papers or copies thereof submitted along with the Loan Application. 3. ValuEnable shall not be liable to process any incomplete/defective applications and ValuEnable shall not be responsible for any resulting delay or otherwise. 4. The Loan Application, documents/photographs or any other detail etc. once submitted by me/us will not be returned under any circumstances whatsoever by ValuEnable. This application form is considered valid unless the applicant revokes the same.
  28. With regard to our loan account, in case any Lender partner of ValuEnable is unable to establish positive contact on the registered number and/or address, I/we authorize lender to get in touch with the Co-borrower(s) / Reference(s) whose details have been shared in the Loan Application Form.
  29. I do hereby declare that, in case I have submitted deemed OVD as a proof of my current address, I will submit any one of the Officially Valid document within period of three months from the date of the loan application with updated current address as mentioned in the deemed OVD submitted by me as part of this application.
  30. I/We hereby authorise ValuEnable to share my data with third party as may be deem fit for getting the loan application processed.
  31. I/We hereby declare that in case of any updation in the aforementioned information, it shall be provided to the Lender representative along with supporting documents along with loan application form.
  32. I/We, give my/our consent to download my/our KYC Records from the Central KYC Registry (CKYCR), only for the purpose of verification of my/our identity and address from the database of CKYCR Registry. I/We, understand that my/our KYC Record includes my KYC Records /Personal information such as my name, address, date of birth, PAN number etc. (Do share the OTP received to consent)

    33. OR

    I/We do not wish to provide by consent to download my/our KYC records from Central KYC Registry (CKYCR).

  33. I/we agree that ValuEnable Lenders partner will convey it's decision within 30-45 days to me/us from the date of application provided I/We submit application which is complete in all respects including all the documents required to be submitted as per check list and /or any additional documents as may be required by Lender for proper appraisal of the application. I/we agree that the timelines shall start from the day on which all documents required for a proper appraisal of the loan application are provided by me/us to Lender.
  34. In case I/We wants to raise any complain or have some grievances, they can contact Below Nodal office to resolve their queries.
    35. Name Address Contact details of Grievance Redressal Officer
    Mr. Ravi Bhadrappa Valuenable Pvt Ltd

    Unit S-220A, Eastern Business District (Neptune Magnet Mall),
    LBS Marg, Bhandup West, Mumbai - 400078     		Telephone Number: +91 81057 30444
    Email id :ravi@valuenable.in
    For Axis Finance related grievance:
    Name Address Contact details of Grievance Redressal Officer
    Ms.Mangal Sarang Axis House, Ground Floor,C-2 Wadia International Centre,
    P.B Marg,Worli,Mumbai -400025
    		 Telephone Number: 91-22-62260049
    Email id :grievance@axisfinance.in
    For more details, please visit: https://www.axisfinance.in
    For Axis T&C, please visit: https://www.axisfinance.in/policies-and-standards/terms-conditions
    Bajaj Finance Limited
    Name of the Lender Bajaj Finance Limited
    Loan products sourced Loan against Insurance Policies & Loan against Mutual Funds
    Relation Lending Service Provider (LSP) of Bajaj Finance Limited
    Link to Bajaj Finance Limited website https://www.bajajfinserv.in/bajaj-finserv-partners

    Contact details of grievance redressal officers of BFL -https://www.bajajfinserv.in/grievance-redressal

    RBI's Sachet Portal link -https://sachet.rbi.org.in/

    RBI’s Complaint Management System (CMS) link -https://cms.rbi.org.in/cms/indexpage.html#eng