Legal
Last updated: 19 September 2026
These Terms & Conditions (“Terms”) govern your use of the Kalyani Loan website at kalyanifarm.com and the Kalyani Loan mobile application (together, the “Services”). By accessing the website or creating an account in the app, you agree to these Terms.
Kalyani Loan provides a digital interface to apply for personal loans, complete KYC, track application status, and repay EMIs. Loan products may be offered through partner NBFCs or lending partners. Approval is not guaranteed.
You must be legally competent to contract under applicable Indian law, provide accurate information, and complete identity verification. We may refuse, suspend, or close an account if information is incomplete, misleading, or fails verification.
Loan amount, interest, tenure, and EMI shown in the app are indicative until a loan is approved. Submitting an application authorizes us and our partners to assess eligibility, verify KYC documents, and contact you about your request.
You agree to upload genuine documents (such as Aadhaar, PAN, and a selfie) and to keep your profile updated. We may request additional information. Misuse of another person’s identity is prohibited and may be reported to authorities.
If a loan is approved, you must repay as per the schedule in the app. Late or missed payments may attract charges as disclosed at approval and may affect future eligibility. Bank transfer proofs submitted in the app are reviewed before a payment is marked received.
You will not reverse engineer the app, interfere with our systems, create multiple accounts to evade review, or use the Services for fraud or any unlawful purpose.
The Kalyani Loan name, logo, website, and app content are owned by us or our licensors. You may not copy or reuse them without written permission, except for personal use of the Services.
The website is informational. Loan availability, limits (including up to ₹2,00,000 in the app), rates, and timelines can change. We do not promise instant disbursal in every case. Partner NBFC terms may also apply.
To the extent permitted by law, we are not liable for indirect, incidental, or consequential losses arising from use of the Services, application decisions, bank delays, or third-party platforms (including app stores).
We may update these Terms. Continued use after an update constitutes acceptance. The latest version will be posted on this page.
For questions about these Terms, email support@kalyanifarm.com.
Kalyani Loan