Terms & Conditions

1. Acceptance of Terms

By accessing and using the services of Emm Dee R Finance Limited, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our services.

2. Eligibility

To be eligible for our loan services, you must:

• Be at least 21 years of age
• Be a resident of India
• Have a valid source of income
• Provide accurate and complete information

3. Loan Application Process

All loan applications are subject to verification and approval. We reserve the right to accept or reject any application at our sole discretion. Approval is based on creditworthiness, income verification, and other relevant factors.

4. Interest Rates and Fees

Interest rates are determined based on the loan amount, tenure, credit profile, and market conditions. All applicable fees, charges, and interest rates will be clearly disclosed before loan disbursement. Please refer to our Interest Rate Policy for detailed information.

5. Repayment Terms

Borrowers are required to:

• Make timely EMI payments as per the agreed schedule
• Notify us immediately of any changes in contact information or financial status
• Pay any applicable late payment charges if EMIs are delayed

6. Default and Recovery

In case of default or non-payment, we reserve the right to initiate recovery proceedings as per applicable laws. This may include reporting to credit bureaus, legal action, and engagement of recovery agents in accordance with RBI guidelines.

7. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Delhi.

8. Contact Information