Effective date: 12 November 2026
These Terms govern your use of the Anjaneyulu.in website and Android app and the services offered by Anjaneyulu.in (proprietor: Anjaneyulu Yadav), Secunderabad, Hyderabad, Telangana, India. By using the Services you agree to these Terms.
1. Nature of our service: we are a consultancy, not a lender
- Anjaneyulu.in is a loan consultancy / facilitator (Direct Selling Agent) and a multi-service partner.
- We are NOT a bank, NBFC or lending institution. We do not lend money, take deposits or sanction loans.
- All loans are sanctioned and disbursed only by RBI-regulated banks and NBFCs, at their sole discretion, as per their credit policies.
- The loan agreement is directly between you and the lender. The lender's terms, interest rate, fees and recovery practices apply to your loan.
- We do not offer personal loans through the Android app.
2. No guarantee
Eligibility checks, calculators and "starts from" interest rates shown in the app and website are indicative only. They are not an offer or a commitment. Approval, loan amount, interest rate, tenure and charges are decided only by the lender after its own assessment. We do not guarantee approval or any specific rate.
3. Interest rates
Rates are shown as "Starts from" and are taken from lenders' public information on the date mentioned. Banks change rates without notice; the actual rate depends on your credit score, income, profile, loan amount and the lender's policy. Some banks publish lower rates for applications made directly to the bank and not through a DSA. Always check the final rate in the lender's sanction letter.
4. Fees
- Loans: in most cases we do not charge customers any fee. We usually receive a payout from the lender or its authorised partner after a loan is disbursed; it is paid by them, not by you. In rare cases, for example complex or non-standard files that need extra work, we may charge a service fee. Any such fee is agreed with you in writing before work starts, and is never a payment to guarantee a loan sanction. Lender processing fees, legal / valuation charges, stamp duty and government charges are payable as per the lender and law.
- We NEVER ask for any upfront payment to get a loan sanctioned. Anyone asking for money in our name to "guarantee" a loan is committing fraud. Please report it to us.
- Other services (licences, registrations, ITR, legal opinion, property, technology, car / driver bookings): fees and timelines are told to you and agreed before work starts. Government fees are extra unless stated.
5. Your responsibilities
- Give true, complete and current information and genuine documents.
- Use your own identity, or details you are authorised to share.
- Refer only people who have agreed to be contacted.
- Do not misuse the Services, send spam, or try to harm the app or website.
Submitting false information or forged documents may lead to rejection by lenders and legal action.
6. Car & driver bookings
- A booking request becomes confirmed only after we confirm it to you on WhatsApp or by phone with the driver / car details and charges.
- Charges depend on hours, kilometres, trip type and time of day. Tolls, parking, state permits and driver allowance (for outstation or night trips) are extra unless stated in the quote.
- Acting driver: you are responsible for your vehicle having valid RC, insurance, PUC and permits. The driver must be given reasonable breaks and food on long trips. Traffic challans arising from the vehicle's documents are the owner's responsibility. Challans caused by the driver's own violation are settled as per the booking terms.
- Cars on rent with driver: passengers must follow lawful conduct; damage caused by passengers may be charged.
- Self-drive cars: you must hold a valid driving licence (minimum 1 year old) and original ID, pay the refundable security deposit, return the car on time with the agreed fuel level, and pay for traffic challans, tolls, damage not covered by insurance and the insurance deductible during your rental.
- See our Refund & Cancellation Policy for cancellations.
7. Referral program
Referral rewards (Amazon gift vouchers) are governed by the Referral Program Terms shown in the app. We may verify, approve or decline referrals and may change or end the program at any time. Amazon is not a sponsor of this program.
8. Third-party services
The Services use third-party platforms such as WhatsApp, phone dialer, email and Google Play, and may link to bank or government websites. Their own terms and privacy policies apply, and we are not responsible for their content or availability.
9. Intellectual property
The Anjaneyulu.in name, logo, app design, text and content belong to us. You may not copy, modify or reuse them for commercial purposes without written permission.
10. Limitation of liability
To the extent permitted by law, we are not liable for: decisions taken by banks, NBFCs or government authorities; delays caused by third parties; changes in interest rates or policies; or indirect or consequential losses. Our total liability for any paid service is limited to the fee you paid us for that service.
11. Indemnity
You agree to indemnify us against claims arising from false information or documents you provide or from your misuse of the Services.
12. Governing law & disputes
These Terms are governed by the laws of India. Courts at Hyderabad, Telangana have exclusive jurisdiction. Please contact us first; most issues are resolved quickly on WhatsApp.
13. Contact & grievances
Email: support@anjaneyulu.in · Phone / WhatsApp: +91 86860 95951. Grievance Officer: Anjaneyulu Yadav.
14. Changes
We may update these Terms. Continued use of the Services after an update means you accept the updated Terms.