nterest rates and applicable charges are determined in accordance with RBI NBFC-MFI regulations.

All pricing details, including:

• Interest rate

• Processing fee

• Total repayment obligation

• EMI schedule

are disclosed clearly to borrowers prior to loan disbursement.

No hidden charges are levied.

EMI calculations shown on this website are indicative only.
Final loan amount, interest rate, and EMI will be determined after credit assessment in accordance with RBI NBFC-MFI guidelines and Vedika Credit Capital Ltd’s internal credit policy.

Borrowers must:

• Meet eligibility criteria as per RBI norms

• Use the loan for approved income-generating purposes

• Provide accurate KYC documentation

• Ensure timely EMI repayment as per the loan agreement

Failure to comply may impact credit eligibility and group standing.

Vedika Credit Capital Ltd follows responsible lending practices with a focus on:

• Affordability assessment

• Transparent communication

• Customer protection

• Regulatory compliance

The Company adheres to RBI’s Fair Practices Code.

Information submitted through the loan application form is collected solely for:

• Credit assessment

• KYC verification

• Regulatory compliance

• Loan processing

Such information is not shared with unauthorized third parties.

Customers may register grievances at Vedika branches or through official contact channels.

Complaints are resolved within RBI-prescribed timelines.
Unresolved complaints may be escalated under the RBI Integrated Ombudsman Scheme, as applicable.