Terms of Service

Ojas Loans helps entrepreneurs — founders, franchisees, and SMEs — work out what business credit to seek and how to prepare for it. We publish a catalogue of loan products with illustrative bands, provide free self-qualification tools, take borrower enquiries, and have a named consultant advise on the file. Partners (advisors and DSAs) use the platform to work files for their own borrower relationships.

No lender is empanelled with Ojas Loans at the date of these terms, so we cannot submit a file to one and do not undertake to. If that changes, the credit itself is still provided by the lender: when a loan is sanctioned, your loan contract is with that lender, not with Ojas.

Ojas Loans is a Lending Service Provider, never the lender of record. We do not lend, underwrite, sanction, or disburse credit, and we do not hold or route loan money. Disbursement and repayment flow directly between you and the regulated lender on the lender’s own rails.

• Every rate, amount band, tenure and fee figure shown on this site is illustrative — a range we publish to show what a family of credit typically costs, never a figure quoted to us by a lender, and always subject to a lender’s underwriting. Nothing on this site is an offer of credit or a promise of sanction.
• An eligibility check is an enquiry, not an application decision, and does not involve a credit-bureau pull by Ojas.
• The decision to lend, the pricing of the loan, and the servicing and collection of a sanctioned loan belong to the lender alone.

We never charge you just to apply. Checking eligibility, browsing the catalogue, using the free tools, and speaking to a consultant cost the borrower nothing.

We would earn in two disclosed ways. Neither has yet produced any revenue: no lender is empanelled, so no sourcing fee has been agreed or received.

• Lender-paid sourcing fees — a lender may pay us after a loan it sanctioned is disbursed. This never increases what you pay the lender beyond the terms in your sanction letter.
• Disclosed advisory fees — where you ask for heavier advisory work (project reports, government-scheme applications, multi-lender structuring, or a retainer plan), the fee is quoted in writing and agreed before work begins, and invoiced on the quoted terms.

Any fee not disclosed to you this way is not owed. If anyone claiming to represent Ojas Loans asks for an undisclosed payment, report it to grievance@ojas.loans.

You must be at least 18 years old to submit an enquiry or hold an account. Keep your credentials confidential — activity under your account is your responsibility. Tell us immediately at hello@ojas.loans if you suspect unauthorised access.

Information you provide in an enquiry or a loan file must be accurate and kept current. A loan file built on inaccurate information will fail at the lender — and knowingly providing false information to obtain credit may be an offence.

• provide truthful, complete information in enquiries and documents, and tell your consultant when circumstances change;
• read the lender’s sanction letter and loan agreement yourself — those documents, not this website, define your loan;
• make repayments directly to the lender on the lender’s schedule — Ojas never collects EMIs; and
• use borrowed funds for the purpose stated in your application, as the lender requires.

Partners (advisors and DSAs) work borrower files on the platform under their own partner agreement, which supplements these terms. As a partner you are responsible for the accuracy of the files you submit, for holding any registration your advisory work requires, and for using borrower data only to work the file it was shared for.

Commission on partner-originated files is defined by a disclosed commission schedule and settled against recorded orders — transparent, in writing, never verbal.

Paid advisory services are delivered as described in the written quote you accept. Fees are for the professional work (analysis, documentation, structuring), not for a lending outcome — no advisory fee buys a sanction, and we will never promise one.

If we have not started the quoted work, you may cancel for a full refund. Once work has begun, refunds are pro-rated to what remains undelivered. Approved refunds return through the original payment method.

The application fee shown on a loan product page is paid up front and carries no written quote, so the same rule needs a starting line: work begins when a consultant opens your file. Before that, cancel for a full refund by writing to hello@ojas.loans. After it, the pro-rata rule above applies — you are refunded whatever remains undelivered. A lender declining your application is not undelivered work: the fee pays for preparation and submission, and never for an outcome.

Payments for advisory services are processed by regulated payment providers (such as Razorpay and Cashfree). Ojas does not store your card details. The amount you confirm is the amount charged. Loan disbursals and EMIs are never processed through this platform — they move directly between you and the lender.

You must not use Ojas Loans to:

• submit fraudulent enquiries, forged documents, or information about a person or business without authority;
• send spam or messages unrelated to a file your recipients are party to;
• probe, overload, or disrupt the platform, or access another account or tenant’s data; or
• resell access to the platform without our agreement.

We may suspend accounts that put borrowers, lenders, partners, or the platform at risk.

You keep ownership of the documents and information you upload. You grant us the licence needed to host and process that content so the platform can do its job — assembling your file, sharing it with the lender you choose to proceed with, and sending the communications you asked for. You confirm you have the rights to everything you upload.

How we collect and use personal data — including when your file is shared with a regulated lender — is described in the Privacy Policy, which forms part of these terms.

We work to keep the platform available and fast, but we do not promise uninterrupted service — maintenance, upgrades, and events beyond our control can cause downtime. We may improve or change features over time; if a change materially reduces what you have paid for, we will tell you in advance.

To the maximum extent permitted by law, Ojas is not liable for a lender’s decision to decline, price, or recall a loan, for indirect or consequential losses, loss of profits, or loss of data arising from your use of the platform, and our total liability for any claim is limited to the fees you paid us in the six months before the claim arose.

Nothing in these terms limits liability that cannot be limited under applicable law, including liability arising from fraud.

You may close your account at any time; a sanctioned loan continues with its lender regardless. We may suspend or terminate accounts that breach these terms, after notice where practicable. On termination we will make commercially reasonable efforts to let you export your enquiry and advisory records within 30 days, except where the law requires us to retain or delete them.

These terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of the competent courts at the registered office of CHITRAM.AI PRIVATE LIMITED.

We may update these terms from time to time. The “Last updated” date above always reflects the current version, and material changes are notified to account holders by email or in-product notice before they take effect.

Questions about these terms? Write to hello@ojas.loans or see the contact page. Grievances go to grievance@ojas.loans.