Disclaimer & Disclosures
Last Updated: May 24, 2026
In accordance with the Reserve Bank of India’s (RBI) Master Directions and Directions for Digital Lending Apps (DLAs), Credit91 publishes the following regulatory disclaimers and partner NBFC disclosures.
1. Platform Legal Identity
Credit91 operates as a digital technology platform and is a registered brand. We are not a licensed bank or a Non-Banking Financial Company (NBFC). We do not disburse, underwrite, or collect loan capitals in our own name.
2. Lending Partner Disclosures
Credit91 functions exclusively as a Lending Service Provider (LSP) in association with regulated lending institutions. Our licensed, RBI-regulated NBFC partners who underwrite, approve, and disburse credit through our platform include:
| Partner NBFC Legal Name | RBI Registration Category | NBFC Corporate Website |
|---|---|---|
| Lendingnb Partner NBFC Private Limited | Systemically Important Non-Deposit NBFC | View official site → |
| Jaldipay Finance Private Limited | Non-Deposit taking NBFC | View official site → |
3. Pricing, APR & Fees Guidelines
The annual percentage rates (APR) displayed on our sliders and guides are estimates. Actual loan sizes, tenures, APR (ranging from 12% to 36%), processing fees, and foreclosure guidelines depend strictly on borrower eligibility, credit scores, and the underwriting policy of the selected NBFC partner. Credit91 does not charge upfront membership fees or security deposits.
4. Key Fact Statement (KFS)
Borrowers are provided a comprehensive Key Fact Statement (KFS) before final digital signing. The KFS outlines all fees, late charges, proportionate interest rates, cooling-off durations, and redressal mechanisms. Please read the KFS thoroughly before signing.