RBI-Compliant Disclosures

RetailPe operates in full compliance with the Reserve Bank of India's Digital Lending Guidelines, ensuring transparency, borrower protection, and ethical digital lending practices.

Key RBI-Mandated Disclosures:
    Lender Identification:
  • The name and contact details of the actual lending institution (NBFC/Bank) will be disclosed before disbursal, and clearly mentioned in the Key Fact Statement (KFS) and loan agreement.
    • Key Fact Statement (KFS):
    A digitally signed KFS is provided to every borrower, containing:
  • Loan amount, tenure, and interest rate
  • All applicable charges (processing fee, late fee, etc.)
  • Annual Percentage Rate (APR)
  • Grievance officer contact details
  • Repayment schedule
    • Loan Agreement Copy:

    A copy of the executed loan agreement is shared with the borrower in PDF/email form for record and future reference.

    No Automatic Credit Limit Increase:

    RetailPe and its lending partners will not increase your credit limit without your explicit consent.

    No Dark Patterns or Misleading Ads:

    Our marketing, application, and onboarding processes are free from misleading claims or disguised consent practices.

    Data Privacy Compliance:

    Data is collected, processed, and stored only with your consent and is never shared with unauthorized third parties.

    Post-Loan Disbursal Communication:

    Borrowers will be informed before EMI due dates, and notified in advance in case of defaults, penalties, or credit reporting.

RetailPe does not disburse loans or determine final terms. All loans are issued by RBI-registered entities and subject to their underwriting and compliance norms