Interest rates and applicable charges are determined as per RBI NBFC-MFI regulations and internal credit policy.

All pricing details, including:

• Interest rate
• Processing fee
• EMI amount
• Total repayment obligation

are clearly disclosed prior to execution of the loan agreement.

EMI results are indicative only.
Final interest rate, processing fees, and repayment obligations will be determined after credit assessment in accordance with RBI NBFC-MFI guidelines.

• Applicant aged 18–60 years
• Resident within Vedika’s operational area
• Valid identification documents
• Active Indian bank account
• Willing to use the loan strictly for approved WASH purposes

• Aadhaar / PAN
• Address Proof
• Recent Photograph
• Bank Account Details
• Self-declaration for WASH usage

Additional documents may be requested as per regulatory requirements.

Step 1 – Submit application
Step 2 – KYC and eligibility assessment
Step 3 – Loan approval and agreement
Step 4 – Direct disbursement to borrower’s bank account

Applications are reviewed after successful documentation and verification. Approval is subject to eligibility and credit assessment.

Borrowers must:

• Utilize the loan strictly for approved WASH purposes

• Maintain timely EMI payments

• Provide accurate information throughout the loan tenure

Failure to comply may impact future credit eligibility.

Vedika Credit Capital Ltd follows responsible lending practices focused on:

• Affordability assessment

• Transparent pricing

• Fair collection practices

• Customer protection

The Company complies with RBI Fair Practices Code.

Customers may register grievances through Vedika branch offices or official contact channels.

Complaints are resolved within RBI-prescribed timelines.

Unresolved complaints may be escalated under the RBI Integrated Ombudsman Scheme, as applicable.