Responsible Lending
Speed without recklessness. Access without exploitation. At KASHJET, responsible lending isn't a compliance checkbox — it's our foundational principle.
How We Lend Responsibly
Six principles that govern every loan we facilitate — from the first eligibility check to the last EMI.
Full Transparency
Every fee, interest rate, and charge is disclosed upfront — before you agree to anything. The Key Fact Statement (KFS) shows your total cost of credit, APR, and complete repayment schedule before loan acceptance.
No Hidden Charges
What you see is what you pay. We do not impose any undisclosed fees, penalties, or charges at any stage of the lending process. Processing fees, interest rates, and GST are always clearly stated.
Fair Pricing
Interest rates are determined based on your risk profile, not exploitative practices. Our rates range from 12% to 36% p.a. — competitive with or below market benchmarks for short-term credit.
Anti-Predatory Safeguards
We actively prevent over-borrowing. Our credit assessment engine caps loan amounts based on your ability to repay, not just your eligibility. We will never push you into a debt cycle.
Ethical Collection
Zero tolerance for harassment, threats, or abusive recovery tactics. All collection communications are conducted respectfully, within RBI-mandated hours (8 AM – 7 PM), and through authorized channels only.
Hardship Compassion
We understand that genuine financial hardship happens. Our team works with borrowers facing difficulties to explore restructuring options, extended timelines, and flexible repayment solutions.
The KASHJET Borrower Charter
Every borrower on our platform is entitled to the following protections and commitments.
- All credit decisions are made by RBI-registered NBFCs based on objective risk assessment
- Loan agreements are provided in simple, clear language — not legal jargon
- Key Fact Statement (KFS) is shared before loan acceptance as per RBI Digital Lending Guidelines
- Borrowers have a 3-day cooling-off period to return the loan with zero penalty
- Prepayment is always available with zero prepayment charges
- All communications and recovery processes comply with RBI Fair Practices Code
- Credit bureau reporting is accurate, timely, and transparent
- Data privacy is maintained at all times — we never sell your information
- Multilingual support ensures accessibility across regions
- Regular internal audits ensure compliance with all regulatory requirements
Borrower Protections
Financial Literacy Resources
Access free educational content on credit management, budgeting, and responsible borrowing through our in-app financial wellness center.
Transparent Communication
Receive clear EMI reminders, payment confirmations, and account statements. No spam, no pressure tactics — just the information you need.
Dedicated Support
Our trained customer support team is available 6 days a week to answer questions, resolve issues, and provide guidance on repayment management.
Fraud Protection
Multi-layer security, real-time fraud detection, and instant alerts protect your account from unauthorized access and suspicious activity.
Regulatory Compliance
Our responsible lending framework is built on compliance with India's regulatory requirements.