Trustiva Setu is a loan facilitation platform. We are not a bank or a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). We do not lend money directly. All loans are provided by our partner banks and NBFCs, which are independently regulated by the RBI. Loan approval, terms, interest rates, and disbursement are entirely at the discretion of the lending institution.
Submitting a loan application through this Platform does not guarantee loan approval. Eligibility scores and offers shown on the Platform are indicative only and are based on preliminary data. Final approval is subject to the lender's credit assessment, KYC verification, document validation, and applicable credit policies. Trustiva Setu makes no representation or warranty that any application will be approved.
EMI amounts, interest rates, and repayment schedules displayed on this Platform are indicative only. Actual EMI may vary based on lender terms, processing fees, applicable taxes (including GST), and other charges determined by the lender at the time of final sanction. The lender's sanction letter constitutes the binding financial terms.
Where a “0% interest”, “Zero Interest”, or “No Cost EMI” product is displayed, this is subject to a subvention arrangement between the partner healthcare clinic and the lending institution. Under this model, the interest cost is borne by the clinic (not the patient) by way of a subvention payment to the lender. This arrangement:
If the subvention arrangement is not applicable or is withdrawn, standard interest rates of the lender will apply.
Trustiva Setu uses a preliminary eligibility assessment system that evaluates alternative signals (such as income, employment type, and KYC status) to generate indicative offers. This preliminary assessment does not constitute a credit score or bureau check, and may not reflect the outcome of the lender's formal credit evaluation. Partner lenders may conduct their own credit bureau enquiries (including CIBIL, Experian, Equifax, or CRIF) as part of their standard credit assessment process. Such enquiries may affect your credit score.
Trustiva Setu has no influence over a lender's decision to approve or reject any loan application, or over the terms offered. We are not responsible for any losses or inconvenience arising from a lender's decision. Disputes regarding loan terms, disbursement, or repayment must be addressed directly with the relevant lending institution.
Personal data submitted through this Platform, including identity documents (PAN, Aadhaar), financial information, and contact details, will be shared with partner lenders and KYC verification agencies for the sole purpose of processing your loan application. This data handling is governed by our Privacy Policy and is compliant with the Digital Personal Data Protection Act, 2023 (DPDP Act). We do not sell your data to third parties for marketing purposes.
The information on this Platform is provided for general informational purposes only. It does not constitute financial, legal, or investment advice. You should seek independent professional advice before making any financial decisions. Trustiva Setu makes no representation that the information on this Platform is accurate, complete, or current, and accepts no liability for any errors or omissions.
Trustiva Setu operates as a loan aggregator/facilitator. Our partner lenders are regulated by the Reserve Bank of India (RBI). For any regulatory complaints, you may contact the RBI Ombudsman at cms.rbi.org.in.
Company: Aarthsetu Technologies Private Limited
Address: 5/70, Friend's Colony, Chandranagar, Moradabad, Uttar Pradesh - 244001
Website: www.trustivasetu.com