Terms & Conditions

Last Updated:

Acceptance
Eligibility
Loan Process
User Obligations
Disclaimers
Law & Jurisdiction

1. Acceptance of Terms

By accessing this website and applying for credit facilities through Swagat Hire Purchase, you agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using our digital services.

2. Eligibility

To apply for our loan products (Personal, MSME, Vehicle, or Gold Loans), you must:

Be a resident citizen of India.
Be at least 21 years of age at the time of application.
Have a valid PAN Card and Aadhaar Card.
Meet the minimum income criteria specified for the chosen loan type.

3. Loan Application & Disbursal

We strive for agility in our operations. However, the 24-48 hour disbursal timeline is subject to:

Successful verification of KYC and financial documents.
Clearance from credit bureaus (CIBIL, etc.).
Final approval by our credit committee.

Swagat Hire Purchase reserves the right to reject any application without providing a specific reason.

4. User Obligations

You agree to provide true, accurate, and complete information. Any fraudulent documentation or misrepresentation of income will lead to immediate rejection and potential legal action under applicable Indian financial laws.

5. Disclaimers

All loan products are subject to interest rates and processing fees as mentioned in the Sanction Letter. Swagat Hire Purchase is not responsible for any technical delays in funds transfer caused by intermediary banking networks.

6. Governing Law

These terms are governed by the laws of India. Any disputes arising out of the use of this website or loan transactions shall be subject to the exclusive jurisdiction of the courts where our registered office is located.