Loan Services Disclaimer

Last Updated: 10 August 2026

This Loan Services Disclaimer applies to all loan-related enquiries, applications, assistance and facilitation services provided through Mangalpath Private Limited ("Mangalpath", "Company", "we", "us" or "our").

Please read this Disclaimer carefully before submitting any loan enquiry or providing financial or personal information through our website or service channels.

1. Mangalpath Is a Loan Facilitator, Not the Lender

Mangalpath may act as a Direct Sales Agent (DSA), loan facilitator, financial product distributor, intermediary, referral agent, channel partner or service provider for banks, NBFCs, financial institutions, housing finance companies and other relevant lending institutions, as applicable.

Mangalpath is not the lender merely because a customer submits a loan enquiry through our website or receives assistance from our team.

The concerned bank, NBFC, financial institution or other lender independently evaluates the customer's application and makes the final decision regarding loan approval, sanction and disbursement.

2. Loan Approval Is Not Guaranteed

Submission of a loan enquiry or application through Mangalpath does not guarantee approval or sanction of a loan.

The final decision may depend on factors including, but not limited to:

Applicant's eligibility.
Income and employment profile.
Credit history and creditworthiness.
Existing financial obligations.
Property or vehicle-related information, where applicable.
Required documentation.
Lender's internal policies and risk assessment.
Applicable laws and regulatory requirements.

The concerned lender may approve, reject, modify or condition an application at its sole discretion in accordance with its applicable policies.

3. No Guarantee of Interest Rate or Loan Amount

Mangalpath does not guarantee any particular:

Interest rate.
Loan amount.
Loan tenure.
Processing fee.
EMI amount.
Approval time.
Repayment terms.
Security or collateral requirements.

Any rate, amount, tenure, fee or other financial term communicated to a customer is subject to confirmation by the concerned lender and may change according to the lender's assessment and prevailing applicable terms.

4. Types of Financial Services

Subject to applicable partnerships, availability, eligibility and regulatory requirements, Mangalpath may facilitate enquiries relating to financial products including:

Personal Loans
Home Loans
Loan Against Property
Business Loans
MSME Loans
Vehicle Loans
Education Loans
Credit Cards
Other eligible retail and commercial credit facilities

The Company's Memorandum of Association expressly includes sourcing, marketing, promotion and facilitation of these categories without undertaking lending, borrowing, deposit-taking or financing activity on its own account.

5. Customer Information and Documents

Customers must provide accurate, complete and genuine information and documents when submitting a loan enquiry.

Depending on the loan product and lender requirements, information may include identity information, address details, income information, employment or business information, financial information, bank-related information, credit-related information, property or vehicle documents and other supporting documents.

Providing false, forged, incomplete or misleading information may result in rejection of the enquiry or application and may have other consequences under applicable law.

6. Sharing Information With Lenders

Where necessary to process or facilitate a loan enquiry, information submitted by a customer may be shared with relevant banks, NBFCs, financial institutions, housing finance companies, authorised financial partners or other service providers, subject to applicable law and required consent.

The relevant lender may independently collect additional information, conduct verification, perform credit assessment and request additional documentation.

Customers should review the privacy policy and terms of the concerned lender before providing information directly to that lender.

7. Credit Assessment

Mangalpath does not make the final credit decision for any lender.

Credit assessment, credit scoring, underwriting, risk assessment, verification and final sanction decisions are undertaken by the concerned lender or its authorised service providers according to their applicable policies and procedures.

8. No Promise of Instant Approval

Mangalpath does not promise or advertise that submission of a loan enquiry will result in instant or guaranteed approval.

Any estimated processing time communicated by Mangalpath or a third party is indicative only and may vary depending on documentation, verification, lender processing, applicant response and other circumstances.

9. Fees and Charges

Customers may be required to pay applicable charges imposed by a lender, service provider, payment provider or Mangalpath where such charges are lawfully applicable and properly disclosed.

Mangalpath does not guarantee that a loan will be approved merely because a customer has paid any applicable service or processing-related fee.

Customers should verify all applicable fees, charges, penalties, interest, taxes and other financial obligations before accepting a loan offer or entering into a lending agreement.

10. Loan Agreement Is With the Lender

Where a loan is sanctioned, the loan agreement and associated financial obligations are governed by the terms and conditions of the concerned lender.

The lender determines the applicable interest rate, repayment schedule, EMI, fees, security requirements, default consequences and other contractual terms.

Customers should carefully read and understand the final sanction letter, loan agreement and related documents before accepting the facility.

11. No Financial or Investment Advice

Information provided by Mangalpath regarding loan products is intended for facilitation and general service-support purposes. It should not be considered independent financial, investment, legal or tax advice.

Customers should independently evaluate their financial circumstances and obtain professional advice where appropriate before taking a loan or other financial facility.

12. Third-Party Lenders

Mangalpath may work with multiple financial institutions or authorised financial partners. The availability of a particular lender or financial product may vary based on location, eligibility, partnership status, product availability and other factors.

Mangalpath does not guarantee that a particular bank, NBFC or financial institution will accept or process every enquiry.

13. Customer Responsibility

Before accepting a loan or financial facility, the customer is responsible for:

Reviewing the lender's eligibility requirements.
Checking the interest rate and applicable fees.
Understanding the EMI and repayment schedule.
Reviewing all contractual terms.
Providing accurate information and genuine documents.
Understanding collateral or security requirements where applicable.
Assessing the customer's own ability to repay the facility.

14. No Guarantee of Lowest Interest Rate

Mangalpath may assist customers in identifying or coordinating with suitable financial institutions based on the information available and the customer's requirements.

However, Mangalpath does not guarantee that the customer will receive the lowest interest rate, lowest processing fee or most favourable financial product available in the market.

15. Fraud Prevention

Mangalpath does not authorise any person to demand unauthorised payments, passwords, OTPs, PINs or confidential banking credentials on behalf of the Company.

Customers should exercise caution when receiving calls, messages, emails or payment requests claiming to represent Mangalpath or a financial institution.

Never share your banking password, UPI PIN, card PIN or OTP with any person merely claiming to be a Mangalpath representative.

16. Regulatory Compliance

Mangalpath's financial-service activities are subject to the nature of the relevant service, applicable laws, regulatory requirements and the terms of its arrangements with financial institutions or other authorised entities.

Where a particular activity requires a separate licence, registration, approval or authorisation, such activity shall be undertaken only to the extent permitted by applicable law and applicable authorisations.

17. Limitation of Liability

Mangalpath shall not be responsible for a lender's independent decision to approve, reject, modify, delay or discontinue a loan application or financial product.

Mangalpath shall also not be responsible for changes made by a lender to interest rates, fees, eligibility criteria, documentation requirements, credit policies or other lending conditions.

Nothing in this Disclaimer is intended to exclude or limit any liability that cannot legally be excluded or limited under applicable law.

18. Changes to This Disclaimer

Mangalpath may update this Loan Services Disclaimer from time to time to reflect changes in financial products, partnerships, services, business practices or applicable laws and regulations.

The updated version will be published on this page with a revised "Last Updated" date.

19. Contact Us

For questions regarding loan assistance or this Disclaimer, you may contact:

Mangalpath Private Limited
CIN: U70200MP2026PTC085826
Email: Mangalpath07@gmail.com
Phone: +91 9993510404
Website: www.mangalpath.com

Registered Office:
Shivharidham Colony, Sarangpur Road, Kanad,
Agar Malwa, Madhya Pradesh – 465230, India

Corporate Office:
3 F, Sector 3, Vaishali,
Ghaziabad, Uttar Pradesh – 201010, India