SehatLoans is a decision/routing layer, not the lender. Compliance controls must preserve that boundary throughout acquisition, comparison, consent, submission and servicing.
SehatLoans result: preliminary route intelligence.
Regulated lender: underwriting, pricing, KFS/APR, sanction, disbursement, servicing and regulated recovery.
Explicit consent, need-based data collection, privacy controls, direct borrower↔RE money flow subject to permitted exceptions, grievance access, and no platform fee charged to borrower where the platform acts as lender's LSP and RBI rules require the RE to bear LSP fees.
When multiple lender offers are returned, show lender identity, amount, tenor, APR, repayment obligation, penal charges and KFS link/information objectively. Do not manipulate ranking to mislead the borrower.
The regulated lender must provide KFS before contract. APR includes interest and applicable associated charges. Charges not disclosed in KFS cannot simply be added later without the required consent.
Use current RBI tiered consumption-loan LTV ceilings, intrinsic eligible metal value, lender assay/valuation, ongoing LTV monitoring, collateral custody, release and auction safeguards.
Do not market a platform-created LTV as an RBI entitlement. Lender valuation, legal/title checks, board-approved policy, repayment capacity and product rules determine sanction.
Finance forms should not collect diagnosis, prescriptions or treatment records unless strictly necessary. Separate medical-care data from credit data, use explicit consent and purpose limitation, and implement secure storage/RBAC before production.
✓ RE/LSP contract and role mapping
✓ lender/DLA identity disclosure
✓ consent ledger and revocation
✓ data minimisation
✓ KFS/APR hand-off
✓ unbiased multi-lender comparison
✓ direct money-flow validation
✓ grievance/nodal officer hand-off
✓ bureau/AA consent controls
✓ audit logs/model versioning
✓ lender-specific policy adapters
✓ gold assay/valuation hand-off
✓ property legal/technical hand-off
✓ decline/review reason capture
Share a few basic details. Avoid diagnosis, prescriptions or other sensitive medical information here.