HOME LOAN
Home Purchase
There are so many wonderful homes available throughout the country, ready to be sold. Through our home purchase loans, will enable you to buy your dream home anywhere in India.
Features & Benefits
- Affordable interest rates to make your home loan easier to repay
- Customized plans to repay loans
- Zero hidden charges
- Tax benefits under section 80C & 24B
- Experienced and qualified support staff
Home Construction
Constructing your own house is a daunting task. Apart from the various formalities involved, a lot of capital investment is required to build your dream home. Our loans will enable you to obtain the finances you need to construct your own house as per your tastes and preferences.
Features & Benefits
- Best home construction loan eligibility, to construct your dream home
- Long tenure loan with attractive interest rates for easy repayment
- Easy, minimal documentation
- Tax benefits under section 80C & 24B
- Digitally enabled subsequent disbursal process
- Wide range of payment options are available
WE ARE NOW PRESENT IN
Prodattur
Address: 1st Floor, Door No 10, 107/1, 107/1, Mydukur Rd, opposite Lakshmi Nagar, Proddatur, Andhra Pradesh 516362
State: Andhra Pradesh
Branch: Prodattur
Pincode: 516361
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Shahapur
Address: Plot No 1-24/38,Padshetty layout, behind Hiremath petrol pump, near Basvaveshwara circle, Shahapur - 585223, Karnataka
State: Karnataka
Branch: Shahapur
Pincode: 585223
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Basavakalyan
Address: 1st Floor, Plot No 28, SY No 66, Basavakalyan Road Tripuranath, Naglingeshwara Colony, Basavakalyan, Karnataka - 585327
State: Karnataka
Branch: Basavakalyan
Pincode: 585327
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Tiptur
Address: 7W185, First Floor, 3rd Main road, K.R. Extension, Tiptur, Tumkur, Karnataka - 572201
State: Karnataka
Branch: Tiptur
Pincode: 572204
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Adoni
Address: 1st Floor, D.No. 1-188, New Chaitanya Colony, Opposite Mandigiri Panchayat Office, Adoni, 1, Andhra Pradesh - 518301
State: Andhra Pradesh
Branch: Adoni
Pincode: 518301
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Kadapa
Address: 3rd Floor, No 39/622/80, S No 885, Patel Road Junction, Bus Stand, 1, Railway Station Rd, near New RTC, SLB Enclave, Nagarajupeta, Kadapa, Andhra Pradesh 516001
State: Andhra Pradesh
Branch: Kadapa
Pincode: 516001
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Sullurpeta
Address: 4-7/5, 1st Floor above Sreevari Furniture GNT Road, Sullurpeta, Andhra Pradesh - 524121
State: Andhra Pradesh
Branch: Sullurpeta
Pincode: 524121
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Shadnagar
Address: 1st Floor, D No. 18, 445, Shadnagar - Chevella Rd, beside Hanuman Road, Tirumala Nagar, Shadnagar, Telangana 509216
State: Telangana
Branch: Shadnagar
Pincode: 509216
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Hyderabad
Address: 24-108/2,Second Floor, Above SBI Bank, Road 3, Kakatiya Nagar, Ramchandrapuram, Hyderabad, Telangana - 502032
State: Telangana
Branch: Hyderabad
Pincode: 502032
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Warangal
Address: H.No. 2-4-161, Ramnagar Old bus Depot Road, Warangal, Telangana - 506001
State: Telangana
Branch: Warangal
Pincode: 506001
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Gadwal
Address: 7-10-109, Ground Floor, Lakshmi Nilayam, Rajiv Marg, opp. Mana gromor, Lingambagh Colony, Gadwal, Telangana - 509125
State: Telangana
Branch: Gadwal
Pincode: 509125
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Vidisha
Address: 1st floor, Bus Stand, Sanchi Road, Vidisha , MP, 464001
State: Madhya Pradesh
Branch: Vidisha
Pincode: 464001
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Biaora
Address: NK Chamber, 1st Floor, Panna Road, Panna Naka, Satna, Madhya Pradesh-485001
State: Madhya Pradesh
Branch: Biaora
Pincode: 485001
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Katni
Address: 1st floor, Khurana Building,Above Indusland Bank,Near Vishal Mega Mart,Nehru Ward Baragawa,NB No 493,KH No 180/1,181/1,katni,Madhya Pradesh-483501.
State: Madhya Pradesh
Branch: Katni
Pincode: 483501
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Jabalpur
Address: 1st floor,above ICCI bank,main road 1193,Old Bhawani Prasad Tiwari,New Subdhara Kumari chauhan ward,S.no 773,Subash nagar ward 32,zone 13,near digambar tower,Jabalpur,MP-482001.
State: Madhya Pradesh
Branch: Jabalpur
Pincode: 482001
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Hoshangabad
Address: 19/7, Behind rest house,behind SBI bank minakshi, kothhi bazar, Hoshangabad, Madhya Pradesh-461001
State: Madhya Pradesh
Branch: Hoshangabad
Pincode: 461001
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Neem Ka Thana
Address: Krishi Mandi road bhanwar badi Bijainagar Ajmer, Rajasthan - 305624
State: Rajasthan
Branch: Neem Ka Thana
Pincode: 305624
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Reengus
Address: 35 & 36, near milan hotel, Bikaner bus stand, Reengus, Sikar, Rajasthan: 332404
State: Rajasthan
Branch: Reengus
Pincode: 332404
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Kuchaman City
Address: First floor, Land no: 02, Khasra No: 878, 879 Near Bata Showroom, Opposite Mahindra showroom, Didwana road, Kuchaman City Nagaur, Rajasthan - 341508
State: Rajasthan
Branch: Kuchaman City
Pincode: 341508
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Bijainagar
Address: Shop No. 4. 5. 6, 2ND Floor, RR Tower, Patta No. 232, Khasra No. 1296. Old Ward No. 24 ,New Ward no. 33. Khetri Mod, Neem Ka Thana. Sikar. Rajasthan - 332713.
State: Rajasthan
Branch: Bijainagar
Pincode: 332713
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Dudu
Address: Above Shiv Dental Hospital , 1st Floor Road No 3, Jhunjhunu, Rajasthan-333001
State: Rajasthan
Branch: Dudu
Pincode: 333001
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Monaharpur
Address: Adjacent to Savatri Plaza, Malpura Road, Dudu, Rajasthan-303008
State: Rajasthan
Branch: Monaharpur
Pincode: 303008
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Satna
Address: Shop no. 1 & 2,In front of Prabhat bread industry limited, Old AB road Biaora, Madhya Pradesh -465674
State: Madhya Pradesh
Branch: Satna
Pincode: 485001
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Bhopal
Address: Z-18, Ground Floor, Zone-I, Maharana Pratap Nagar, Bhopal, Madhya Pradesh-462011
State: Madhya Pradesh
Branch: Bhopal
Pincode: 462011
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Jhunjhunu
Address: Above Shiva Dental Hospital, 1st Floor, Road No. 3, Jhunjhunu, Rajasthan-333001
State: Rajasthan
Branch: Jhunjhunu
Pincode: 333001
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Jaipur
Address: 1st Floor, Plot No. E 562, above IIFL, Pravasi Nagar, Murlipura Scheme, Murlipura, Jaipur, Rajasthan-302039
State: Rajasthan
Branch: Jaipur
Pincode: 302039
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Nandyal
Address: 2nd floor D no. 2 - 418A Atamkur Road , Ward No. 2 Srinivasa Centre, Near Raj Theatre, Nandyal, Kurnool District - 518501, Andhra Pradesh
State: Andhra Pradesh
Branch: Nandyal
Pincode: 518501
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Hassan
Address: 2nd Floor, Cauvery complex, Near Krishna Residency, BM Road, Hassan, Karnataka 573201
State: Karnataka
Branch: Hassan
Pincode: 573201
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Guntakal
Address: D.NO:-16/108, 1st floor, Geetha Talkies road , Guntakal, Ananthapuram District, Andhra Pradesh-515801
State: Andhra Pradesh
Branch: Guntakal
Pincode: 515801
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Bagalkot
Address: Plot No. 25E, Behind Basava Mantapa, Sector No. 32, VTC Navanagar, Bagalkot Navanagar, Bagalkot – 587103
State: Karnataka
Branch: Bagalkot
Pincode: 587103
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Dharmavaram
Address: House No.Old 9-2, new 17-396,Main Bazaar,Dharmavaram,Andhra pradesh-515671.
State: Andhra Pradesh
Branch: Dharmavaram
Pincode: 515671
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Hindupur
Address: D.no.16-1-10,MF Road,Above Apollo medical store,Hindupur,Satya Sai Dist-515201
State: Andhra Pradesh
Branch: Hindupur
Pincode: 515201
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Nellore
Address: 1st floor,no.26-14-980,23-4-152,opp,Vasista jr.college,B.V.Nagar,Nellore-524004
State: Andhra Pradesh
Branch: Nellore
Pincode: 524004
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Tirupathi
Address: 1st floor,(Back Portion)23-4-152(Assessment No :1012048039)Vullipatteda South Area,M.R.Palli,Tirupathi-517502
State: Andhra Pradesh
Branch: Tirupathi
Pincode: 517502
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Hubli
Address: 1st floor,no.1,PID no:36A/5570,Madhav Arcade ,Gokul Road,Hubli-580030
State: Karnataka
Branch: Hubli
Pincode: 580030
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Anantapur
Address: D.No.12-3-347,3rd floor,Sai Nagar,Main Road,Jesus Nagar,Revenue Ward No.12,Anantapur,Pin-515001.
State: Andhra Pradesh
Branch: Anantapur
Pincode: 515001
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Madanpalle
Address: D.no.16-612,1st floor,Sri Rama complex ,Punganur Road,S.R.Jyothi Nilayam Madanapalli.Annamaya dist,-517325
State: Andhra Pradesh
Branch: Madanpalle
Pincode: 517325
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Gulbarga
Address: Ground Floor,D.no.2-908/105 LIG,3rd Phase,Adarsh Nagar,Badepur Colony,Sedam Road,Gulbarga-585105
State: Karnataka
Branch: Gulbarga
Pincode: 585105
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Belagavi
Address: 1st floor,No.1491,CTS No:6132,Sector No.VII,Vantmuri Colony,Mal-Maruthi Extention,Belagavi-590016
State: Karnataka
Branch: Belagavi
Pincode: 590016
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Bidar
Address: 1st floor,D.no-17-2-3-172 Janwad Road,Navadgere,Janatha Labour Colony,Bidar-585401
State: Karnataka
Branch: Bidar
Pincode: 585401
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Kurnool
Address: 2nd floor,Plot No.14,Sy.no.714,Nagi Reddy Revunue Colony,Rajeshwari Nagar,Near Reliance Bazar,Kurnool-518002
State: Andhra Pradesh
Branch: Kurnool
Pincode: 518002
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Bangarpet
Address: 1st Floor, Kolar Rd, near ICICI Bank Old Santhe Maidhana, Bangarpet, Karnataka 563114
State: Karnataka
Branch: Bangarpet
Pincode: 563114
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Mysore
Address: No.15,Siddivinayaka Blocks, Teachers Layout, Dr.Rajkumar road,Siddarth Nagar,Mysuru-570010
State: Karnataka
Branch: Mysore
Pincode: 570010
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Chandapura
Address: No.351,1st Floor,YVS Towers,Chandapura-Anekal Rd,Opp to KEB office,Teachers Colony,Chandapura,Bangalore,Karnataka 562106
State: Karnataka
Branch: Chandapura
Pincode: 562106
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Chikkaballapura
Address: No 776/34/8/11,BB Road,Vapasandra,Chikkaballapura,Karnataka 562101
State: Karnataka
Branch: Chikkaballapura
Pincode: 562101
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Hoskote
Address: A.R.LAY OUT, N.H 4, Hosakote - 562114, Karnataka
State: Karnataka
Branch: Hoskote
Pincode: 562114
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Kengeri
Address: No. 558, 2nd Floor, SRIVATSA PLAZA, BDA 1st Main Road, Stage 1, Kengeri Satellite Town, Bengaluru, Karnataka- 560060.
State: Karnataka
Branch: Kengeri
Pincode: 560060
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Maddur
Address: 1st floor, No:1, 3rd Division, Near Madduramma Temple, Bangalore Mysore Highway, Maddur Town, Karnataka
State: Karnataka
Branch: Maddur
Pincode:
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Nelamangala
Address: No.143/45A, 4th Floor, PPNS Complex, BH Road, Binnamangal, Nelamangala, Bengaluru rural- 562123.
State: Karnataka
Branch: Nelamangala
Pincode: 562123
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Tumkur
Address: “SBP ARCADE,”, situated at PID NO.17400 Opp. Gayatri talkies, BH Road, Tumakuru-572102 Karnataka
State: Karnataka
Branch: Tumkur
Pincode: 572102
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RT Nagar
Address: 1st floor, GKR Sapthagiri Vaishtadhama, No 38, 12th Cross, Ganganagar, North Bangalore - 560032
State: Karnataka
Branch: RT Nagar
Pincode: 560032
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Purchase of Land/Semi-Constructed Unit and Construction
Purchasing land is the fundamental step before constructing a house. Our loan options include financial assistance in the purchase of land as well as the completion of semi- constructed houses.
Features & Benefits
- A unique home financing plan giving you the perfect opportunity to personalize your own home
- An effective financing option different from the ready to move-in home loan
- Tax benefits under section 80C & 24B
- Near-instant approval for quick and easy financing
BLOGS
RELATED ARTICLES
Home Renovation of Existing Home
We know that a home is a reflection of your hard work and dedication. It needs care and regular renovation. That’s why we provide loans that assist you in repairing and maintaining your home.
Features & Benefits
- Longer loan repayment tenure to allow suitable construction
- Attractive interest rates for affordable and easy repayment
- Tax benefits under section 80C & 24B
- Hassle-free approval with suitable customized plans to suit your need
Home Expansion
Sometimes, you need some more space in your home to accommodate more family members or provide added comfort. From additional floors and rooms to an expansion of your hallway, our loans can help you expand your home so that you enjoy the added comforts of a bigger house.
Features & Benefits
- Get that top floor constructed as per your choice through easy home construction loan
- Long tenure loan with attractive interest rates for easy repayment
- Taxation benefits under section 80C & 24B
- Balance transfer service to another bank by paying nominal transfer processing fee
MSME Loan
There are numerous opportunities for small and medium enterprises (SMEs) across the country, ready to expand. Our MSME loans enable you to take your business to the next level, providing the financial support you need for growth anywhere in India.
Features & Benefits
- Competitive interest rates to make your business loan more affordable
- Customized repayment plans tailored to your business needs
- No hidden charges for complete transparency
- Tax benefits under section 80C & 24B
Loan Against Property
Unlock the potential of your property with a Loan Against Property, allowing you to finance any business needs. Through this loan, you can leverage your property's value for funds anywhere in 5 states
Features & Benefits
- Attractive interest rates to make your loan affordable
- Flexible repayment options tailored to your financial goals
- No hidden charges, ensuring transparency
- Tax benefits under section 80C & 24B
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Terms & Conditions
Definitions
Vridhi Finserv Home Finance Limited , formerly Vridhi Finserv Limited , ( hereinafter referred to as “Vridhi”, “Company”, “we”, “us”, etc ) , is a Company registered under the Companies Act, 2013 having its Registered Office at C101, East Crest, Salarpuria Sattva, Budigiri Cross, Kondasapura Bengaluru 560049 Karnataka and Corporate Office at 2nd Floor, No. 38, GKR Sapthagiri Vaishtadhama 12th Cross, Off CBI Road, Ganganagar, Bangalore – 560032 and having corporate identity number U65999KA2022PLC156307, is governed by the National Housing Bank Act, 1987.
"User" refers to any individual, legal entity or representative who uses SERVICES of Vridhi.
"SITE" refers to websites, mobile websites and mobile applications, physical application forms or other such media through which User interacts with SERVICES of Vridhi and which are owned and maintained by Vridhi.
"SERVICES" refers to all the services and products provided by Vridhi to the User including but not limited to loan, loan application and their related services, which may be online or offline.
"PASSWORD" is an alphanumeric code entered and confirmed by the User.
"TECHNICAL PROBLEMS" include any problems and difficulties arising due to power and electricity failure, computer errors, virus related problems, programming errors, software or hardware errors, computer breakdown, non-availability of internet connection, communication problems, shutting down of the Vridhi's server, non-availability of links, corruption of the system software, problems in other Utility Companies extending support to Company, breakdown of infrastructure and telecommunication network, problems in any other connected telecommunication network and any other technology related problems.
VERIFICATION CODE'' An alphanumeric string of characters which can be used one time for a single login or transaction or any related action on Vridhi's SITE. In this document, all references to the User being referred in masculine gender shall be deemed to include the feminine gender. All terms defined above in uppercase will bear meaning given above. Any other terms not defined above will have general English meaning.
Applicability
These Terms and Conditions form the contract between the User and Company for availing SERVICES. By accessing and using a website, mobile website or mobile app, etc the User acknowledges and accepts all terms of this agreement. The agreement shall remain effective unless terminated by Vridhi or the account is closed and consent is withdrawn specifically by User and confirmed by Vridhi, whichever is earlier. Vridhi shall be entitled at its sole discretion to update or amend the contents of the SITE at any time.
Service Delivery
For the purpose of availing SERVICES, the User would need to have legal and valid access to the internet.
The User cannot claim the SERVICES as a matter of right. Vridhi reserves the right to refuse/withdraw the facility provided to the User without assigning any reasons. Vridhi at its sole discretion may also make additions/deletions to the SERVICES. Vridhi has the right to determine and vary from time to time without prior intimation, the scope and type of SERVICES to be made available including, expanding, modifying or reducing the SERVICES at any time and prescribing and changing the normal service hours during which the SERVICES are available and any daily cut-off time for any type of SERVICES.
Vridhi may advise from time to time the software such as browsers but there will be no obligation on the Company to support all the versions of this software. The User shall be solely responsible for upgrading software, hardware and the operating system at their own cost and from time to time so as to be compatible to avail the SERVICES. The Company shall be at liberty to change, vary or upgrade its software, hardware, operating systems, etc., from time to time.
The Company may need to send a VERIFICATION CODE via sms/email to User. User acknowledges that delivery of sms are dependent on the infrastructure, connectivity and services provided by the phone/network service providers. The Company shall not be responsible for non-receipt or delay of the sms, error, loss or distortion in transmission of information and instructions to/from User.
The User unconditionally consents to the Company communicating via sms, phone, internet-based messaging applications like WhatsApp, voice call, email or any other mode of communication, electronic or otherwise.
The User can contact our customer representative cell through e-mail/telephone calls/ sms / WhatsApp messages or other mode of communication for clarifying any of their queries. By accepting these Terms & Conditions, it will be considered that User has given his consent to recording of any tele-conversation between User and Company.
The Company may keep the records of any User actions or events or transactions made in any form. In the event of any dispute, the Company records shall be binding on the User as a conclusive evidence of the actions or events or transactions carried out by him through SERVICES.
Unauthorized Access
The User shall take all necessary precautions to prevent unauthorized and illegal use of the internet and Company SERVICES. User agrees not to a) impersonate an employee or representative of the Company, and/or b) misrepresent identity or affiliation with a person or entity, and/or c) send unsolicited and unauthorized communication, and/or d) attempt to gain access to any portion of the SITE or any SERVICES not offered to the User, and/or e) attempt to interfere with proper working of the SITE or restrict or inhibit any other User from using the SITE.
Internet Access
The User may be allotted an Id and/or PASSWORD for use of SERVICES. It is the responsibility of the User to change the PASSWORD as frequently as possible. The same are strictly confidential and not transferable. The User under any circumstances should not disclose these PASSWORD(s) to any third party. The User shall be responsible for all types of transactions executed using the above PASSWORD. The Company shall have no obligation to verify the authenticity of any transaction received through the SERVICES other than the system verification of Id and/or PASSWORD. The User shall be wholly responsible for the secrecy of the PASSWORD and the Company bears no liability for any use of the SERVICES by an unauthorized person.
The User will be responsible for all transactions done through the internet using his Id and such transactions will be considered as transactions originated by the User and will be binding on the User.
The User agrees and acknowledges that Company shall in no way be held responsible or liable if the User incurs any loss as a result of information being disclosed by Company regarding his Account(s) and the User shall fully indemnify and hold Company harmless and free from any liabilities in respect of the same.
Account Services
The contents of the SITE, either wholly or partially, cannot be printed, distributed, transmitted, modified, displayed or otherwise reproduced without the prior written permission of Vridhi.
The Company at its discretion can levy penal charges accordingly for every breach of Terms and Conditions. If the account is overdrawn inadvertently or due to TECHNICAL PROBLEMS, the User will be obliged to reimburse the overdrawn amount and pay the interest and other charges on the overdrawn amount as decided by the Company.
The report generated by the User through the SERVICES shall not be construed as Company 's record of the transactions or actions or events. The Company 's own records of transactions or action or events maintained by the Company shall be accepted as conclusive and binding for all purposes.
Company under no circumstances shall be held liable to the User if the SERVICES are not available in the desired manner for reasons including but not limited to TECHNICAL PROBLEMS, natural calamities, flood, browser incompatibility, failure in telecommunication network or any other reason
Charges
Vridhi reserves the right to prescribe fee/charges for the SERVICES after intimating to the User through the SITE or any other mode. The User will have the option to continue availing the SERVICES paying the prescribed fee/charges, if applicable or to discontinue the same.
The User shall be liable to pay all charges, fees, interest, costs wherever applicable, which the Company in its absolute discretion may levy with respect to any of the SERVICES and the same may be recovered by the Company by a debit to the User account/s.
Accuracy of Information
The User is responsible for the correctness of information supplied to the Company through the use of SERVICES or through any means such as electronic mail or written communication or phone conversation with customer representative(s). A VERIFICATION CODE may be sent to the registered mobile number and/or email. The Company shall accept no liability for the consequences arising out of erroneous information supplied by the User. If the User suspects that there is an error in the information supplied to the Company by him, he shall communicate to the Company at the earliest. The Company will endeavor to correct the error wherever possible on a "best efforts" basis
Liability of The User and The Company
The User shall be liable for losses accrued due to unauthorized transactions or actions in the account(s) if he has breached the Terms and Conditions, and/or contributed, and/or caused the loss by negligent actions such as the following but not limited to:
Disclose or fail to take all reasonable steps to prevent disclosure of the Id and/or PASSWORD(s) to anyone including Company staff and/or failing to communicate to the Company of such disclosure within a reasonable time.
Not informing the Company within a reasonable time about unauthorized access to or erroneous transactions in the account(s) through the SERVICES.
The Company shall not be liable for any unauthorized transactions or actions which occur through the internet and the User hereby fully indemnifies and holds Company harmless against any action, suit, proceeding, inquiry, investigation initiated against it or any loss, cost or damage incurred by it as a result thereof.
The Company shall not be liable to the User for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the User, if access to SERVICES is not available in the desired manner for reasons including but not limited to TECHNICAL PROBLEMS, natural calamity, floods, fire and other natural disasters, faults in the telecommunication network or internet or network failure, software or hardware error or any other reason(s) beyond the control of the Company.
The Company shall endeavor to take all possible steps to maintain secrecy and confidentiality of its User's account(s) but shall not be liable to the User for any damages whatsoever caused on account of breach of secrecy/confidentiality due to hacking and/or technological lapses in the system beyond the control of the Company
Indemnification
The User shall indemnify and keep fully indemnified, hold harmless and defend Vridhi or its affiliates, principles, their directors and employees, from and against any/or all third party claims, demands, action suits, proceedings, judgements, orders, damages, costs, losses, interests, charges, liabilities, penalties, taxes imposed and expenses (including reasonable attorney's fees and disbursements) of any nature whatsoever, which may arise due to or by reason of
a) User making, committing, causing or permitting to be made or committing any default or breach in respect of or no-observance or non-compliance with any of the provisions of this agreement; and/or b) any representations or warranties or covenants made by User being false or incorrect; and/or
c) any wrongful, negligent, fraudulent, criminal act or concealment and/or violation of any Applicable Law(s) committed by User; and/or
d) breach of any provision relating to protection and non-disclosure of confidential information and/or
e) any immoral/unethical/illegal/unlawful means employed by User or breach of any clause of this agreement.
The User acknowledges that the foregoing indemnities shall survive the termination of this agreement.
Usage and Disclosure of Personal Information Collected
The User agrees that the Company and/or its agents/associates/contractors may hold and process his personal information in connection with SERVICES as well as for statistical analysis, credit worthiness, credit scoring, product pricing and other business decisions. The User also agrees that the Company may disclose, in strict confidence, to other institutions, such personal information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:
A. For participation in any telecommunication, electronic clearing network.
a) In compliance with a legal directive.
b) For fraud prevention purposes.
B. For obtaining a credit report from government mandated credit bureaus.
C. For obtaining consumer report, account statement or usage report from finance institutions or third-party entities.
Proprietary Rights
The User acknowledges that the Company software using the internet as well as other related software, which are required for accessing SERVICES, is the legal property of the Company or a related vendor or agent.
The permission given by the Company to access SERVICES shall not convey any proprietary or ownership rights in the above software. The User shall not attempt to modify, translate, disassemble, recompile or reverse engineer the software supporting or providing underlying SERVICES or create any derivative product based on the software.
Amendment of Terms and Conditions
The Company has the absolute discretion to amend or supplement any of the Terms and conditions at any time and will endeavor to give prior notice of reasonable time for such changes wherever feasible and/or publish the same in the SITE of the Company. Any such notice published in the SITE shall be construed as reasonable notice to the User and binding on them. The Company may introduce new SERVICES from time to time. By using these new SERVICES, the User agrees to be bound by the Terms and Conditions stipulated by the Company from time to time.
Withdrawal of Consent
User may withdraw consent to this Agreement by contacting customer care of the Company by mailing the Company at the address provided in section 16 of this Terms and Conditions or by any other media provided by Vridhi. The withdrawal of consent shall be effective only after Vridhi has a reasonable period of time to process the withdrawal request and User is not a customer of any of Vridhi's SERVICES. If User withdraws consent to this Agreement, he will not be able to use SERVICES of the Company.
Non-Transferability
The grant of SERVICES to a User is not transferable under any circumstance and shall be used strictly by the User.
Notices
Notices under these Terms and Conditions may be given by the Company and the User electronically to the mailbox of both party and such notices will be regarded as being in writing or by delivering the written notices by hand or by sending them by post to the User address as per our records and in case of Company to the address mentioned below:
Vridhi Finserv Home Finance Limited (Formerly , Vridhi Finserv Limited) Regd. Office: C101, East Crest, Salarpuria Sattva, Budigiri Cross, Kondasapura Bengaluru 560049 Karnataka and Corporate Office at 2nd Floor, No. 38, GKR Sapthagiri Vaishtadhama 12th Cross, Off CBI Road, Ganganagar, Bangalore – 560032 Email: customercare@vridhi.teampumpkin.in.in
Company may also publish notices of general nature applicable to all User of SERVICES and such notices shall have the same effect as a notice served individually to each User.
Governing Laws
By accepting these Terms and Conditions, the User expressly consents and submits to the laws of Republic of India and to be governed by the exclusive jurisdiction of the courts in Bangalore, India only, giving such courts the exclusive power and authority to hear and determine any dispute between the parties of this agreement.
Company accepts no liability whatsoever, direct or indirect, for non- compliance with the laws of any country other than India. The mere fact that a User from a country other than India can access SITE shall not be interpreted to imply that the laws of the said country govern these Terms and Conditions and/or the operations in the accounts of the User through the internet and/or the use of SERVICES.
The User agrees to abide by prevailing laws in respect of the internet applicable in India. It shall be the responsibility of the User to comply with any regulations prevailing in the country from where he is accessing the internet.
General
The clause headings in this document are only for convenience and do not affect the meaning of the relative clause. The User shall not assign this agreement to anybody else. The Company may subcontract and employ agents to carry out any of its obligations under this contract.
Terms & Conditions
Definitions
Vridhi Finserv Home Finance Limited , formerly Vridhi Finserv Limited , ( hereinafter referred to as “Vridhi”, “Company”, “we”, “us”, etc ) , is a Company registered under the Companies Act, 2013 having its Registered Office at C101, East Crest, Salarpuria Sattva, Budigiri Cross, Kondasapura Bengaluru 560049 Karnataka and Corporate Office at 2nd Floor, No. 38, GKR Sapthagiri Vaishtadhama 12th Cross, Off CBI Road, Ganganagar, Bangalore – 560032 and having corporate identity number U65999KA2022PLC156307, is governed by the National Housing Bank Act, 1987.
"User" refers to any individual, legal entity or representative who uses SERVICES of Vridhi.
"SITE" refers to websites, mobile websites and mobile applications, physical application forms or other such media through which User interacts with SERVICES of Vridhi and which are owned and maintained by Vridhi.
"SERVICES" refers to all the services and products provided by Vridhi to the User including but not limited to loan, loan application and their related services, which may be online or offline.
"PASSWORD" is an alphanumeric code entered and confirmed by the User.
"TECHNICAL PROBLEMS" include any problems and difficulties arising due to power and electricity failure, computer errors, virus related problems, programming errors, software or hardware errors, computer breakdown, non-availability of internet connection, communication problems, shutting down of the Vridhi's server, non-availability of links, corruption of the system software, problems in other Utility Companies extending support to Company, breakdown of infrastructure and telecommunication network, problems in any other connected telecommunication network and any other technology related problems.
VERIFICATION CODE'' An alphanumeric string of characters which can be used one time for a single login or transaction or any related action on Vridhi's SITE. In this document, all references to the User being referred in masculine gender shall be deemed to include the feminine gender. All terms defined above in uppercase will bear meaning given above. Any other terms not defined above will have general English meaning.
Applicability
These Terms and Conditions form the contract between the User and Company for availing SERVICES. By accessing and using a website, mobile website or mobile app, etc the User acknowledges and accepts all terms of this agreement. The agreement shall remain effective unless terminated by Vridhi or the account is closed and consent is withdrawn specifically by User and confirmed by Vridhi, whichever is earlier. Vridhi shall be entitled at its sole discretion to update or amend the contents of the SITE at any time.
Service Delivery
For the purpose of availing SERVICES, the User would need to have legal and valid access to the internet.
The User cannot claim the SERVICES as a matter of right. Vridhi reserves the right to refuse/withdraw the facility provided to the User without assigning any reasons. Vridhi at its sole discretion may also make additions/deletions to the SERVICES. Vridhi has the right to determine and vary from time to time without prior intimation, the scope and type of SERVICES to be made available including, expanding, modifying or reducing the SERVICES at any time and prescribing and changing the normal service hours during which the SERVICES are available and any daily cut-off time for any type of SERVICES.
Vridhi may advise from time to time the software such as browsers but there will be no obligation on the Company to support all the versions of this software. The User shall be solely responsible for upgrading software, hardware and the operating system at their own cost and from time to time so as to be compatible to avail the SERVICES. The Company shall be at liberty to change, vary or upgrade its software, hardware, operating systems, etc., from time to time.
The Company may need to send a VERIFICATION CODE via sms/email to User. User acknowledges that delivery of sms are dependent on the infrastructure, connectivity and services provided by the phone/network service providers. The Company shall not be responsible for non-receipt or delay of the sms, error, loss or distortion in transmission of information and instructions to/from User.
The User unconditionally consents to the Company communicating via sms, phone, internet-based messaging applications like WhatsApp, voice call, email or any other mode of communication, electronic or otherwise.
The User can contact our customer representative cell through e-mail/telephone calls/ sms / WhatsApp messages or other mode of communication for clarifying any of their queries. By accepting these Terms & Conditions, it will be considered that User has given his consent to recording of any tele-conversation between User and Company.
The Company may keep the records of any User actions or events or transactions made in any form. In the event of any dispute, the Company records shall be binding on the User as a conclusive evidence of the actions or events or transactions carried out by him through SERVICES.
Unauthorized Access
The User shall take all necessary precautions to prevent unauthorized and illegal use of the internet and Company SERVICES. User agrees not to a) impersonate an employee or representative of the Company, and/or b) misrepresent identity or affiliation with a person or entity, and/or c) send unsolicited and unauthorized communication, and/or d) attempt to gain access to any portion of the SITE or any SERVICES not offered to the User, and/or e) attempt to interfere with proper working of the SITE or restrict or inhibit any other User from using the SITE.
Internet Access
The User may be allotted an Id and/or PASSWORD for use of SERVICES. It is the responsibility of the User to change the PASSWORD as frequently as possible. The same are strictly confidential and not transferable. The User under any circumstances should not disclose these PASSWORD(s) to any third party. The User shall be responsible for all types of transactions executed using the above PASSWORD. The Company shall have no obligation to verify the authenticity of any transaction received through the SERVICES other than the system verification of Id and/or PASSWORD. The User shall be wholly responsible for the secrecy of the PASSWORD and the Company bears no liability for any use of the SERVICES by an unauthorized person.
The User will be responsible for all transactions done through the internet using his Id and such transactions will be considered as transactions originated by the User and will be binding on the User.
The User agrees and acknowledges that Company shall in no way be held responsible or liable if the User incurs any loss as a result of information being disclosed by Company regarding his Account(s) and the User shall fully indemnify and hold Company harmless and free from any liabilities in respect of the same.
Account Services
The contents of the SITE, either wholly or partially, cannot be printed, distributed, transmitted, modified, displayed or otherwise reproduced without the prior written permission of Vridhi.
The Company at its discretion can levy penal charges accordingly for every breach of Terms and Conditions. If the account is overdrawn inadvertently or due to TECHNICAL PROBLEMS, the User will be obliged to reimburse the overdrawn amount and pay the interest and other charges on the overdrawn amount as decided by the Company.
The report generated by the User through the SERVICES shall not be construed as Company 's record of the transactions or actions or events. The Company 's own records of transactions or action or events maintained by the Company shall be accepted as conclusive and binding for all purposes.
Company under no circumstances shall be held liable to the User if the SERVICES are not available in the desired manner for reasons including but not limited to TECHNICAL PROBLEMS, natural calamities, flood, browser incompatibility, failure in telecommunication network or any other reason
Charges
Vridhi reserves the right to prescribe fee/charges for the SERVICES after intimating to the User through the SITE or any other mode. The User will have the option to continue availing the SERVICES paying the prescribed fee/charges, if applicable or to discontinue the same.
The User shall be liable to pay all charges, fees, interest, costs wherever applicable, which the Company in its absolute discretion may levy with respect to any of the SERVICES and the same may be recovered by the Company by a debit to the User account/s.
Accuracy of Information
The User is responsible for the correctness of information supplied to the Company through the use of SERVICES or through any means such as electronic mail or written communication or phone conversation with customer representative(s). A VERIFICATION CODE may be sent to the registered mobile number and/or email. The Company shall accept no liability for the consequences arising out of erroneous information supplied by the User. If the User suspects that there is an error in the information supplied to the Company by him, he shall communicate to the Company at the earliest. The Company will endeavor to correct the error wherever possible on a "best efforts" basis
Liability of The User and The Company
The User shall be liable for losses accrued due to unauthorized transactions or actions in the account(s) if he has breached the Terms and Conditions, and/or contributed, and/or caused the loss by negligent actions such as the following but not limited to:
Disclose or fail to take all reasonable steps to prevent disclosure of the Id and/or PASSWORD(s) to anyone including Company staff and/or failing to communicate to the Company of such disclosure within a reasonable time.
Not informing the Company within a reasonable time about unauthorized access to or erroneous transactions in the account(s) through the SERVICES.
The Company shall not be liable for any unauthorized transactions or actions which occur through the internet and the User hereby fully indemnifies and holds Company harmless against any action, suit, proceeding, inquiry, investigation initiated against it or any loss, cost or damage incurred by it as a result thereof.
The Company shall not be liable to the User for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the User, if access to SERVICES is not available in the desired manner for reasons including but not limited to TECHNICAL PROBLEMS, natural calamity, floods, fire and other natural disasters, faults in the telecommunication network or internet or network failure, software or hardware error or any other reason(s) beyond the control of the Company.
The Company shall endeavor to take all possible steps to maintain secrecy and confidentiality of its User's account(s) but shall not be liable to the User for any damages whatsoever caused on account of breach of secrecy/confidentiality due to hacking and/or technological lapses in the system beyond the control of the Company
Indemnification
The User shall indemnify and keep fully indemnified, hold harmless and defend Vridhi or its affiliates, principles, their directors and employees, from and against any/or all third party claims, demands, action suits, proceedings, judgements, orders, damages, costs, losses, interests, charges, liabilities, penalties, taxes imposed and expenses (including reasonable attorney's fees and disbursements) of any nature whatsoever, which may arise due to or by reason of
a) User making, committing, causing or permitting to be made or committing any default or breach in respect of or no-observance or non-compliance with any of the provisions of this agreement; and/or b) any representations or warranties or covenants made by User being false or incorrect; and/or
c) any wrongful, negligent, fraudulent, criminal act or concealment and/or violation of any Applicable Law(s) committed by User; and/or
d) breach of any provision relating to protection and non-disclosure of confidential information and/or
e) any immoral/unethical/illegal/unlawful means employed by User or breach of any clause of this agreement.
The User acknowledges that the foregoing indemnities shall survive the termination of this agreement.
Usage and Disclosure of Personal Information Collected
The User agrees that the Company and/or its agents/associates/contractors may hold and process his personal information in connection with SERVICES as well as for statistical analysis, credit worthiness, credit scoring, product pricing and other business decisions. The User also agrees that the Company may disclose, in strict confidence, to other institutions, such personal information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:
A. For participation in any telecommunication, electronic clearing network.
a) In compliance with a legal directive.
b) For fraud prevention purposes.
B. For obtaining a credit report from government mandated credit bureaus.
C. For obtaining consumer report, account statement or usage report from finance institutions or third-party entities.
Proprietary Rights
The User acknowledges that the Company software using the internet as well as other related software, which are required for accessing SERVICES, is the legal property of the Company or a related vendor or agent.
The permission given by the Company to access SERVICES shall not convey any proprietary or ownership rights in the above software. The User shall not attempt to modify, translate, disassemble, recompile or reverse engineer the software supporting or providing underlying SERVICES or create any derivative product based on the software.
Amendment of Terms and Conditions
The Company has the absolute discretion to amend or supplement any of the Terms and conditions at any time and will endeavor to give prior notice of reasonable time for such changes wherever feasible and/or publish the same in the SITE of the Company. Any such notice published in the SITE shall be construed as reasonable notice to the User and binding on them. The Company may introduce new SERVICES from time to time. By using these new SERVICES, the User agrees to be bound by the Terms and Conditions stipulated by the Company from time to time.
Withdrawal of Consent
User may withdraw consent to this Agreement by contacting customer care of the Company by mailing the Company at the address provided in section 16 of this Terms and Conditions or by any other media provided by Vridhi. The withdrawal of consent shall be effective only after Vridhi has a reasonable period of time to process the withdrawal request and User is not a customer of any of Vridhi's SERVICES. If User withdraws consent to this Agreement, he will not be able to use SERVICES of the Company.
Non-Transferability
The grant of SERVICES to a User is not transferable under any circumstance and shall be used strictly by the User.
Notices
Notices under these Terms and Conditions may be given by the Company and the User electronically to the mailbox of both party and such notices will be regarded as being in writing or by delivering the written notices by hand or by sending them by post to the User address as per our records and in case of Company to the address mentioned below:
Vridhi Finserv Home Finance Limited (Formerly , Vridhi Finserv Limited) Regd. Office: C101, East Crest, Salarpuria Sattva, Budigiri Cross, Kondasapura Bengaluru 560049 Karnataka and Corporate Office at 2nd Floor, No. 38, GKR Sapthagiri Vaishtadhama 12th Cross, Off CBI Road, Ganganagar, Bangalore – 560032 Email: customercare@vridhi.teampumpkin.in.in
Company may also publish notices of general nature applicable to all User of SERVICES and such notices shall have the same effect as a notice served individually to each User.
Governing Laws
By accepting these Terms and Conditions, the User expressly consents and submits to the laws of Republic of India and to be governed by the exclusive jurisdiction of the courts in Bangalore, India only, giving such courts the exclusive power and authority to hear and determine any dispute between the parties of this agreement.
Company accepts no liability whatsoever, direct or indirect, for non- compliance with the laws of any country other than India. The mere fact that a User from a country other than India can access SITE shall not be interpreted to imply that the laws of the said country govern these Terms and Conditions and/or the operations in the accounts of the User through the internet and/or the use of SERVICES.
The User agrees to abide by prevailing laws in respect of the internet applicable in India. It shall be the responsibility of the User to comply with any regulations prevailing in the country from where he is accessing the internet.
General
The clause headings in this document are only for convenience and do not affect the meaning of the relative clause. The User shall not assign this agreement to anybody else. The Company may subcontract and employ agents to carry out any of its obligations under this contract.