Terms of Use

01About these terms

These terms apply to everyone who uses www.shubhdhanam.com and its tools. You must be 18 or older. These terms are an electronic record under the Information Technology Act, 2000 and need no signature. Our Privacy Policy is part of these terms.

02Our role

• Shubhdhanam is a loan distribution firm (DSA). We work with banks and NBFCs, directly or through empanelled loan platforms, to help you choose and apply.
• Loans are sanctioned and disbursed by the lender, at its sole discretion. Approval, amount, rate, tenure, charges and timeline are always the lender’s decision, and we cannot promise any of them.

03Information on this site

• Eligibility, document lists and timelines shown here are indicative and depend on each lender’s policy, which may change without notice.
• Lender charges are stated in the sanction letter. Please read the lender’s sanction letter, Key Fact Statement and loan agreement fully before you sign.

04Shubh Tools

Our calculators and tools give estimates for planning only. An estimate is not an offer, an approval or a promise. Your actual EMI, eligibility and savings depend on the rate, tenure and terms the lender sanctions.

05Your application

• You choose the lender you want to apply with. We send your application only with your consent.
• A lender may ask for more documents, verify your details, change the offer or decline it. All payments for your loan are made only as stated in the lender’s own documents.

06Shubh Shagun and references

• A Shubh Shagun is a fixed amount for each loan that is disbursed from a valid reference, as per the Shagun table on the Shubh Shagun page on the day the reference is shared. It is a thank-you, not an offer of income or a job.
• A reference stays valid for 90 days; the customer must be new to Shubhdhanam; if two people share the same contact, the first valid reference (by time) counts.
• A Shagun is paid after the lender disburses the loan and Shubhdhanam receives its payout for that loan, by UPI or into a bank account in the referrer’s own name. PAN is needed and TDS applies as per law. If a lender later takes back its payout, the Shagun is adjusted.
• You cannot refer yourself, and employees of a bank or NBFC cannot be referrers.
• Share a contact only with that person’s consent. Fake, self-made or misleading references, or any pressure on a customer, mean no Shagun. A referrer does not represent Shubhdhanam or any lender, and must never collect money or documents from anyone.
• We may change or close the Shagun programme for future references by updating the Shubh Shagun page; references already shared follow the table of their day.

07ShubhMitra partners

• Partner levels, work and payouts are governed only by the signed ShubhMitra agreement. A payout becomes payable only after the lender disburses the loan and the related payout is received by Shubhdhanam. Applicable taxes apply.
• On our Our Presence map we show only area-level counts, and a partner is counted only with written permission. We never show a partner’s name, address, photo or mobile number in public.

08Your responsibilities

• Give true, complete and your own information, and keep us updated if it changes.
• Use this website only for lawful purposes. Do not copy, scrape, misuse, overload or try to break into this website, its tools or its systems.

09Fraud warning

Shubhdhanam never asks for an OTP, a password, a PIN or an advance payment. Our team calls only from the numbers on this website (+91 91721 34844 / +91 22 4515 3011). Never pay anyone in cash or into a personal account in Shubhdhanam’s name. If in doubt, call us first.

10Names and content

• The Shubhdhanam name, logo, Shubh Tools, design and content of this website belong to Shubhdhanam. You may share links to our pages; please do not copy our content or design for your own use.
• Lender names, where shown, tell you which institutions we work with. They belong to their respective owners and do not mean that a lender endorses this website.
• Festival greetings and the Amar Veer tribute are shared with respect, for inspiration and information only.

11Links to other websites

Links to other websites — such as Google, WhatsApp, YouTube or a lender’s site — are given for convenience. Their own terms and policies apply there, and we are not responsible for them.

12Limits of our responsibility

• We take great care to keep this website correct and working, but we cannot promise that every detail is always complete, current or error-free, or that the website will never be unavailable.
• To the extent the law allows, Shubhdhanam is not responsible for any lender’s decision, or for any indirect loss from using this website or its estimates. Nothing in these terms limits a right you have under law.

13Law and disputes

These terms are governed by the laws of India. If you have a concern, please contact us first — most things can be solved with one call. Any dispute that remains will be subject to the courts at Thane, Maharashtra.

14Changes to these terms

We may update these terms from time to time; the date at the top shows the latest version. Using the website after a change means you accept the updated terms.

15Contact

Questions or complaints: loans@shubhdhanam.com · +91 91721 34844 / +91 22 4515 3011 (Mon – Sat, 10:30 am – 8:00 pm) · 407, Ostwal Shopping Center, Jesal Park Road, Opp. Bhayandar Station, Bhayandar East, Mira Bhayandar, Thane, Maharashtra 401105. Grievance Officer: Nitin Soni (see the Privacy Policy).