These Terms of Service (“Terms”) form a legally binding agreement between you (“User”) and NEESAN INVESTMENT AND FINANCE LIMITED (“we”, “our”, “us”). These Terms govern your access to and use of our mobile application (“App”) and financial services (“Services”). By downloading, accessing, or using the App, you acknowledge and agree to these Terms. If you do not agree, please stop using the Services immediately.
By using the Neesan Rupee App, you confirm that:
You are an Indian citizen or legal resident living in India
Your age is between 20 and 60 years
You are legally capable of entering a binding contract
All information provided to us is true, accurate, and complete
We reserve the right to deny Services if the eligibility requirements are not met.
To apply for a loan, you must register and create an account on the App using validated personal and financial information.
You agree to:
Maintain confidentiality of your login credentials
Notify us immediately of any unauthorized access
Keep your personal and financial information updated
We are not responsible for losses caused by unauthorized use of your account.
Submitting a loan request does not guarantee approval.
Loan assessments are based on:
Identity and KYC verification
Creditworthiness and financial stability
Internal risk policies and regulatory requirements
Once approved, you must review and accept the digital loan agreement provided in the App before disbursement.
All loan services are issued directly by:
NEESAN INVESTMENT AND FINANCE LIMITED
(Registered NBFC under RBI regulation)
You will be clearly informed of all applicable costs before accepting a loan, including:
Loan Amount: ₹10,000 – ₹200,000
Tenure: 91 – 360 days
Maximum APR: 26%
Processing Fee: 2% of the loan principal
GST: 18% of the processing fee
Once you accept the disbursed funds, you are obligated to repay the full principal plus applicable interest and charges.
You must repay the loan as per the repayment schedule shown in the App and described in your loan agreement.
Late repayments may incur additional interest or fees
You may prepay the loan anytime without penalties unless otherwise regulated
Missed repayments will negatively affect your credit profile
You agree NOT to:
Use the loan for unlawful purposes
Provide false or misleading information
Attempt modifying or interfering with the App
Upload harmful or malicious content
You are required to comply with all applicable laws in India.
We may suspend or terminate your account immediately if you:
Breach these Terms
Submit fraudulent or incorrect information
Pose financial or security risks to the company or users
Termination does not remove your responsibility for outstanding loan repayments.
We are not liable for:
Loss of data or financial loss due to device issues
Unauthorized access caused by user negligence
Temporary unavailability of the App due to maintenance or technical disruptions
Use of the App is entirely at your own risk.
You agree to indemnify and hold harmless
NEESAN INVESTMENT AND FINANCE LIMITED, including its employees and partners, from any claims or damages arising due to:
Your violation of these Terms
Misuse of App or Services
Non-compliance with laws
We may revise these Terms periodically.
Updates will be shown in the App, and continued use signifies acceptance of the revised Terms.
These Terms are governed solely by the laws of India.
Any disputes shall fall under the jurisdiction of the competent courts in Delhi, India.
For assistance or questions related to these Terms, contact:
NEESAN INVESTMENT AND FINANCE LIMITED
54-55 Shyam Bhawan Bagh Diwar Fatehpuri, Delhi, India – 110006
Email: services@neesaninvestment.com
Phone: +91 9315691465