Customer Corner
At Rajhans Vinimay Private Limited, we believe informed customers make confident financial decisions. This section is designed to educate, empower and protect you at every step of your lending journey.
Understanding Your Loan
A loan is a commitment that comes with rights and responsibilities. Understanding key terms like interest rate, tenure, EMIs, fees and charges helps you make the right decisions and plan better.
Learn More ›At a Glance
- Read and understand your loan agreement.
- Know your interest rate type and total cost of loan.
- Pay your loan dues on time to maintain a good credit record.
- Reach out to us for any clarification or support.
Responsible Borrowing
Borrow only what you need and can comfortably repay. Timely repayments help you build a strong credit history and access better financial opportunities in the future.
- Assess your repayment capacity before borrowing.
- Use loans for genuine needs, not for unnecessary expenses.
- Track your EMIs and payments regularly.
- Contact us early if you face repayment challenges.
Credit Bureau
Your repayment behaviour may be reported to Credit Information Companies (CICs) as per applicable law. This helps build your credit profile which is considered by lenders for future credit.
Stay Safe from Financial Fraud
Be cautious. Stay alert. Protect your information.
Never Share OTP/PIN/Password/CVV
Rajhans Vinimay will never ask for your OTP, PIN, Password or CVV over calls, SMS, email or WhatsApp.
Use Official Channels
Always use our official website and authorised contact details for all communications and payments.
Report Suspicious Activity
Report any fraudulent calls, messages or links to us immediately. Your awareness keeps others safe.
RBI Digital Lending Guidelines
Key guidelines from the Reserve Bank of India for digital loan borrowers.
Review the KFS & Total Cost
Before accepting a digital loan, review the Key Fact Statement (KFS), including the APR, all fees and charges, repayment terms and recovery mechanism.
Read Your Loan Documents
Read the KFS, sanction letter, loan agreement and privacy policy carefully. Keep the digitally signed documents sent to your registered email or mobile.
Protect Your Data
Check app permissions and privacy terms. Data collection should be need-based, with clear purpose and your explicit consent.
Use Authorised Payment Channels
Loan disbursal and repayment should use the bank-account/payment route authorised by the regulated lender; avoid third-party or LSP pass-through accounts.
Use the Grievance Mechanism
Contact the lender or LSP grievance channel for digital lending complaints. If the complaint is not satisfactorily resolved within 30 days, the RBI Complaint Management System (CMS) may be used where applicable.
Know the Cooling-Off Period
Check the cooling-off or look-up period stated in the KFS. During that period, the borrower should have the option to exit the digital loan by paying principal and proportionate applicable charges without an additional penalty, subject to the applicable terms.