Terms & Conditions

Rajput Leasing and Finance Ltd.
(Hereinafter referred to as “the Company”)

These Terms and Conditions (“Terms”) govern your use of financial services provided by Rajput Leasing and Finance Ltd., including but not limited to Gold Loans, Money Transfer, Foreign Exchange (Forex), and Personal Loans. By availing any of these services, you agree to be bound by the following terms:

General Provisions

The Company reserves the right to revise or modify these Terms at its sole discretion without prior notice.

All services are subject to verification of documents and eligibility criteria.

The customer agrees to provide truthful and complete information.

Gold Loan Terms

Eligibility: Individuals aged 18 years and above with valid ID and address proof.

Security: Pledged gold must meet the purity standards set by the Company.

Valuation: Done by the Company’s appointed valuer, and their decision shall be final.

Loan Amount: Based on market value and Loan-to-Value (LTV) ratio as per RBI guidelines.

Interest Rate: Varies as per the scheme chosen and is subject to change.

Repayment: Timely repayment is mandatory. Delay in payment will attract penal interest.

Auction Policy: In case of non-repayment, the pledged gold may be auctioned as per Company policy and applicable laws.

Money Transfer Services

Compliance: All transactions must comply with RBI and FEMA guidelines.

Verification: KYC is mandatory for all customers.

Processing: The Company shall not be responsible for delays caused by intermediaries or banks.

Charges: Applicable fees and service charges will be communicated at the time of transaction.

Foreign Exchange (Forex)

Eligibility: Forex services will be provided only for legitimate purposes allowed under FEMA.

Documents: Valid travel documents and proof of requirement must be provided.

Limits: Transactions will be subject to RBI-prescribed limits and reporting requirements.

Exchange Rate: Rates are dynamic and subject to market fluctuations.

Personal Loans

Application: Subject to creditworthiness, income verification, and employment stability.

Documentation: PAN card, address proof, income proof, and bank statements are required.

Interest & Tenure: Loan amount, interest rate, and tenure vary based on applicant profile.

Default: Late payment will result in penalties, additional charges, and may affect credit score.

Privacy and Confidentiality

All customer data is handled with strict confidentiality and in compliance with applicable data protection laws.

Information will not be shared without customer consent unless required by law or regulatory authorities.

Liability and Indemnity

The Company shall not be liable for any loss or damage caused due to unforeseen circumstances, regulatory changes, or acts of God.

Customers agree to indemnify the Company against any claims, losses, or damages arising due to their actions or non-compliance.

Dispute Resolution

Any disputes shall be governed by the laws of India.

Jurisdiction: All legal proceedings shall be subject to the jurisdiction of the courts in Punjab.