Terms & Conditions

Last Updated:

1. Acceptance of Terms

By accessing this website and applying for credit facilities through Swagat Hire Purchase, you agree to be bound by these Terms and Conditions.

2. Eligibility

  • Indian resident aged 21 years or above
  • Valid PAN & Aadhaar
  • Meets income criteria for selected loan

3. Loan Application & Disbursal

The 24–48 hour disbursal timeline is subject to:

  • KYC & document verification
  • Credit bureau clearance
  • Internal credit approval

Mitr Sewa Micro Services Foundation reserves the right to reject any application.

4. User Obligations

Any false information or misrepresentation may result in rejection and legal action under applicable Indian laws.

5. Disclaimers

Interest rates, fees, and repayment terms are governed by the Sanction Letter issued to the borrower.

6. Governing Law

These terms shall be governed by the laws of India, with jurisdiction subject to courts where our registered office is located.