1. Featured Loan Benefits

Access quick and reliable financial support through our flexible loan offerings:
Loan Limit: Up to ₹1,00,000
Repayment Period: 91 to 180 days
Processing Fee: Maximum of 3% of the loan amount
Daily Interest Rate: 0.07%
Annual Percentage Rate (APR): 26.81%

If you opt for a ₹10,000 loan over a 3-month term, a processing fee of ₹300 and GST of ₹54 will be deducted upfront. The interest for the term will amount to ₹661. Your monthly installment will be ₹3,554, bringing the total repayment to ₹10,661. After deductions, the net disbursed amount will be ₹9,646.


2. Dispute Resolution

This agreement's performance, interpretation, and the management of any disputes shall fall under the jurisdiction of the laws governing the locations of both the lender and the borrower. It is agreed that the legal statutes of these areas will dictate the proceedings and resolutions outlined in this contract.


3. Responsibilities of DhamCash

a. Agreement on Loan Issuance: DhamCash is obliged to transfer the loan amount to the borrower in a lump sum, as agreed upon in this contract.

b. Provision of Repayment Schedule: DhamCash shall furnish a repayment schedule that includes detailed information on repayment intervals, amounts due, among other specifics, to ensure the borrower can fulfill repayment timely.

c. Assurance of Data Privacy: DhamCash undertakes to keep the borrower's information and repayment details secure, with a commitment to non-disclosure and no misuse.



4. Loan Amount Agreement

The principal amount of the loan provided to the borrower will reflect the sum specified in the loan application made to the lender. Both parties will concur on the final loan amount, ensuring it aligns with the provisions of this contract before proceeding with the loan issuance.


5. Loan Repayment Conditions

· Repayment Onset: The borrower shall commence loan repayments in accordance with the agreed terms and schedule from the date this agreement takes effect, continuing until the full repayment of the loan principal and interest.

· Penalty for Repayment Delays: If repayment is not made timely, interest on the overdue amount will be charged at the annualized rate mutually agreed upon from the date of delay until the complete clearance of the outstanding loan principal and interest.

· Provision for Early Repayment: The borrower holds the right to repay the outstanding loan balance, either partially or in its entirety, before the close of the repayment period.


6. Obligations of the Borrower

a. Comprehension and Compliance: The borrower confirms comprehension of this agreement in full and pledges to comply with every term and condition specified.

b. Accuracy of Provided Data: The borrower guarantees the truthfulness, accuracy, and completeness of all submitted data, free from falsehoods or exclusions.

c. Repayment Commitment: The borrower vows to repay the entire loan amount and accrued interest promptly, according to the specified repayment plan.

d. Approval for Credit Investigation: The borrower permits the loan service provider to conduct necessary inquiries into their credit status and repayment capabilities.


7. Agreement Modification Process

For any modifications, including changes or amendments to this Agreement's terms, a written form is required, which must be mutually agreed upon and officially signed by both parties to be valid.