These Terms & Conditions explain the general terms applicable to your use of the Suryoday Capital website, its information, calculators, enquiry features and other content made available through the website.
Suryoday Capital provides website content and information relating to loan options and related financial topics. Information displayed on the website should not be interpreted as a guarantee of loan approval, loan amount, interest rate, tenure or disbursement.
By accessing or using the Suryoday Capital website, you agree to use the website in accordance with these Terms & Conditions and applicable laws.
If you do not agree with these terms, please discontinue use of the website.
The website may provide general information about different types of loans, eligibility factors, interest rates, fees, repayment considerations, documentation and related financial topics.
Such information is provided for general informational purposes and may not apply to every individual, lender, loan product or situation.
Information may change over time and users should verify the applicable terms before making a financial decision.
Submission of an enquiry or application does not guarantee that a loan will be approved.
Where a loan application is processed by an applicable lender, the lender may independently assess the applicant based on its applicable eligibility criteria, policies, verification process, credit information, income, repayment capacity and other relevant factors.
Any loan amount, interest rate, annual percentage rate, processing fee, GST or other applicable taxes, tenure, EMI, prepayment or foreclosure charges, late payment charges and other costs shown on the website may be illustrative, indicative or lender/product specific unless expressly stated otherwise.
The final terms applicable to a loan are determined by the applicable lender and are subject to the relevant loan documents, Key Facts Statement (where applicable), sanction letter, agreement and other applicable documentation.
EMI calculators and other tools available on the website are provided to help users understand approximate repayment amounts.
Calculated results may differ from the actual repayment schedule because actual loan terms, interest calculation methods, fees, taxes, dates and other applicable factors may vary.
Calculator results should therefore not be treated as a loan offer, sanction, approval or binding quotation.
Eligibility information published on the website is intended to provide general guidance about factors that may be considered when applying for a loan.
Eligibility may depend on factors including income, employment or business profile, credit history, existing obligations, age, location, requested loan amount, repayment capacity and the applicable lender's criteria.
Meeting a general eligibility condition does not guarantee loan approval.
Users are responsible for providing information that is accurate, complete and current when submitting an enquiry or using a website feature.
Users should not provide false, misleading, fraudulent or unauthorised information.
If information changes, users should provide updated information where reasonably necessary for the relevant enquiry or process.
If you voluntarily submit your contact details through the website, those details may be used to respond to your enquiry or provide information relevant to the request, subject to the applicable Privacy Policy.
Submission of contact information does not itself constitute approval, sanction or acceptance of a loan application.
Certain loan enquiries or services may involve third-party lenders, financial service providers or other external parties, where applicable.
Such parties may have their own eligibility criteria, privacy policies, terms, charges and procedures.
Users should carefully review the applicable third party's documents and terms before proceeding.
The website may contain links or references to external websites.
These websites are operated independently and may have their own terms, privacy policies and practices. Accessing an external website is at the user's discretion, and the applicable third-party terms may apply.
You agree not to misuse the website or use it for unlawful or unauthorised purposes.
Unless otherwise indicated, website content including text, graphics, layout, design elements, logos and other original material may belong to Suryoday Capital or the relevant rights holder.
Website content should not be copied, reproduced, modified, republished or commercially exploited without appropriate permission, except where permitted by applicable law.
We aim to keep the website useful and accessible, but we do not represent that the website will always be available, uninterrupted, error-free or free from technical issues.
Website functionality may occasionally be changed, suspended, updated or discontinued where reasonably necessary.
We make reasonable efforts to present website information in a clear manner. However, financial products, eligibility criteria, charges, rates and other information may change.
Users should not rely solely on website information when making a borrowing decision. Applicable lender documents and official communications should be reviewed before accepting a loan.
General information available on this website is not intended to constitute personalised financial, legal, accounting or tax advice.
Users should independently evaluate their circumstances and, where appropriate, seek advice from a qualified professional before making a financial decision.
Nothing on this website should be interpreted as a representation that a particular loan product is suitable for every user or that a particular lender will approve an application.
Loan availability, pricing, eligibility and other terms depend on the applicable lender, product and individual circumstances.
These Terms & Conditions may be updated from time to time to reflect changes to the website, services, information practices or applicable requirements.
The updated version will be published on this page along with the applicable update date.
The collection and handling of information submitted through the website is also subject to the applicable Privacy Policy.
Please review the Privacy Policy to understand how information may be handled when you use the website.
If you have a question or concern regarding the website or information provided through it, you may use the contact or grievance channel made available on the website.
If your concern relates specifically to a loan provided by a third-party lender, you should also refer to that lender's applicable customer support and grievance process.
These Terms & Conditions are intended to operate subject to applicable laws and regulations.
Any legal rights, obligations or disputes relating to the use of the website shall be addressed in accordance with applicable law and the competent jurisdiction, as applicable.
Before proceeding with any loan, carefully review the applicable lender's Key Facts Statement, sanction letter, loan agreement, interest rate, APR where applicable, processing fee, taxes, EMI, tenure, late payment charges, prepayment or foreclosure terms and other applicable costs.
No information on this website should be understood as a promise or guarantee of loan approval, a particular interest rate, loan amount or disbursement.
Frequently Asked Questions
Find answers to common questions about loan options, eligibility, documents, interest rates, repayment and the application process.
You can explore available loan options by reviewing information such as loan amount, interest rate, applicable fees, tenure and eligibility criteria. You should compare the applicable terms and review the lender's final documents before proceeding.
Commonly requested documents may include identity proof, address proof, PAN, income-related documents and bank account details. The exact documents can vary depending on the loan product, lender and applicant profile. Additional documents may also be requested during verification.
Eligibility may depend on factors such as income, employment or business profile, credit history, existing obligations, requested loan amount and repayment capacity. The applicable lender determines the final eligibility according to its assessment criteria.
No. Submitting an enquiry or loan application does not guarantee approval. The applicable lender independently evaluates the application and decides whether to approve or decline it based on its eligibility criteria, verification and applicable lending terms.
Interest rates are generally determined by the applicable lender based on its pricing policy, product terms, applicant profile and assessment. Any available rate or offer should be reviewed in the applicable loan documents before acceptance.
