The credit desk of the Ojas ecosystem — and how we would make money, in the open.
A Lending Service Provider and advisory desk that is never the lender, with no lender empanelled yet. We publish how we are paid and how we intend to be, because a desk whose incentives you can read is one you can hold to them.
- Never the lender
- No lender panel yet
- We publish our incentives
- ₹0 to check, no bureau pull
We advise and prepare — we do not lend, and cannot
Lending is a licensed activity, and Ojas holds no licence: it books no loan, holds no pool account, and never takes custody of anyone's money. That is a permanent design choice, not a stage. The stage is the other half — there is no lender on the other side of this desk yet, so today what Ojas Loans offers is the shelf, the criteria, the checklists, the tools, and a consultant who will tell you what to ask for and what to assemble.
How it works — and where it stops- A regulated lender would underwrite, sanction and disburse — every time
- No lender is empanelled today, so no file can be submitted
- Loan money would move borrower ↔ lender directly — no Ojas pool account
- Every rate on this site is illustrative, never a quote
How we get paid
A desk you can trust is one whose incentives you can read. Three ways money reaches, or would reach, Ojas Loans: the first runs today, the second is agreed case by case, the third is intent only.
A flat application service fee
Shown on a product page before you add it to the basket, and it buys a consultant’s review and preparation of your file — not a sanction, and separate from any processing fee a lender charges.
Disclosed advisory fees, agreed up front
For heavy work — a bankable project report, a government-scheme application, structuring — we charge an advisory fee. It is quoted and agreed with you in writing before any work begins, so you always decide with the price in front of you. Browsing the shelf, using the tools and sending an enquiry are never part of it.
See how the work is scopedA lender-paid sourcing fee, after disbursal
The intended model, published before it has ever run: when a lender sanctions and disburses a loan on a file we assembled, that lender pays Ojas Loans a sourcing fee — paid by the lender, not by you, and only after the money has reached you. No such fee has been agreed or received, because no lender is empanelled and no loan has been sourced through us.
The enquiry is always free. Browsing the shelf, using the tools, checking eligibility and sending an enquiry cost nothing — no enquiry fee, and no credit-score pull to hand you a reference. Paid work is separate and priced first: the application service fee shown on a product page, and any advisory work quoted and agreed in advance.
Honest scope — a sourcing fee would be paid by a lender only after a loan actually funds, so a lender would never pay us for pushing applications that go nowhere. None has been paid, because no loan has been sourced through us. And a rate or a sanction is not ours to guarantee at any point — those stay with the lender.
One operating system behind every Ojas venture line
Ojas Loans is the credit desk of the Ojas ecosystem — the infrastructure Ojas builds so that India's knowledge, land and rural enterprise become working, lawful, economically viable businesses. The desk itself is sector-agnostic, because a credit committee is. What the ecosystem adds is evidence: a business already running its orders, settlements and books on Ojas has an operating history a consultant can assemble into a lender file, instead of a shoebox of statements. That assembly is done by a person, by hand. Computed lender scoring is not built, and nothing here submits anything anywhere.
Talk it through- One Ojas account, one backend, across every venture line
- Order, revenue and settlement records a consultant can cite
- A file built from evidence you already keep — not paperwork you scramble for
- Computed scoring from operating history is not built — a person does this
- Illustrative rates, never a false promise
- We name what is not built, on the page that would sell it
- Your data shared only with your consent — and today, with nobody
- Money would move borrower ↔ lender directly, never through Ojas
Questions, answered honestly
How many lenders do you work with?
None. No bank, NBFC, small finance bank or microfinance institution is empanelled with Ojas Loans, and no loan has been sourced through it. It is stated on the home page, the how-it-works page and its own page, so you can weigh everything else on this site with it in view.
Are you an RBI-regulated lender?
No. Ojas Loans is a Lending Service Provider (LSP) and advisory desk — we are not a bank or an NBFC, and we do not hold a lending licence. We explain the shelf, advise you, and help prepare the file; a regulated lender would underwrite, sanction and disburse. Loan money would always move directly between you and that lender — there is no Ojas pool account.
Who decides my loan?
A regulated lender — always. Ojas Loans never approves, sanctions or disburses credit, and never sets your rate. Every rate we show is illustrative: a published range, not a quote, and never a figure a lender gave us. Our job is to make your file as strong as it honestly can be and tell you which kind of lender is built to say yes to it — introducing you to one is not something we can do today.
How do you get paid?
Three ways, all published. First, the application service on a product page is a flat fee, priced before you add it to the basket; it buys a consultant’s review and preparation of your file. Second, borrowers who choose heavier advisory work — project reports, scheme applications, structuring — pay a fee quoted and agreed before any work begins. Third, as intent only, a lender would pay us a sourcing fee after a loan it sanctioned is disbursed; none has been agreed or paid. We publish this because a desk whose incentives you cannot see is not one you should trust.
Do you charge borrowers to enquire?
No. Browsing the shelf, using the tools, checking eligibility and sending an enquiry are all free — and we do not pull your credit score to give you a reference. Two paid things are separate and priced first: the application service on a product page, and any heavier advisory work, quoted and agreed in advance.
Work out what to ask for
A short enquiry, a reference id, and a consultant who tells you which family of credit fits and what a lender will want to see. Free, with no credit-bureau pull.
Talk it throughUse the free tools first