Terms & conditions

1. About Kashtpe

Kashtpe is a private lending firm. It is not a bank, and unless a specific lending partner is named on this site, Kashtpe is not affiliated with any bank or NBFC. References to "approval" or "disbursal" refer to decisions made under Kashtpe's own internal credit policy.

2. Eligibility

You must submit accurate personal, identity and bank details. Submitting false information may result in your application being rejected.

3. Processing fee

A one-time ₹99processing fee is charged when you submit your application. This fee covers the cost of the credit criteria check carried out under Kashtpe's internal lending policy.

If your application is rejected, the ₹99 fee is not refunded. If your application is approved, the ₹99 fee is adjusted against the interest payable on your loan — it is not charged twice. A small number of situations (like a duplicate payment) are still refundable — see our Refund policy.

4. Identity verification

Your application may include a live photo taken through your device's camera. If provided, this photo — along with your PAN and Aadhar numbers — is used only to verify your identity and is stored securely and accessed only by authorized reviewers.

5. Approval is not guaranteed

All applications are reviewed against our internal credit policy. Submitting an application and paying the processing fee does not guarantee approval.

6. Contact

Questions about these terms can be sent to support@kashtpe.com.