Vedika Credit Capital Ltd (Vedika Finance)
Website: https://teamvedika.com/ (and related sub-domains)

1) Acceptance of Terms

By accessing or using this Website, you agree to these Terms & Conditions (“Terms”). If you do not agree, please do not use the Website.

2) About Vedika Credit Capital Ltd (Regulatory & Direct Lender Disclosure)

Vedika Credit Capital Ltd (“Vedika Finance”, “we”, “us”) is a Non-Banking Financial Company – Microfinance Institution (NBFC-MFI) registered with the Reserve Bank of India (RBI) (Registration No. B-05.00844).

• Vedika Credit Capital Ltd provides loans directly from its own balance sheet.
• Vedika Credit Capital Ltd does not act as a broker, aggregator, marketplace, or lead generator for third-party lenders.

3) Purpose of the Website

This Website is meant to:

• provide information about Vedika Credit Capital Ltd loan products and services, and

• allow users to submit enquiries / applications.

Nothing on this Website constitutes investment advice, securities offering, or financial advisory services.

4) Eligibility & Use (India Only)

This Website is intended for users in India. You confirm you are legally capable of entering contracts under Indian law. Vedika Credit Capital Ltd may restrict access if use violates these Terms or applicable laws.

5) Loan Enquiry / Application

• Submitting an enquiry/application does not guarantee loan approval.

• Loan approval is subject to eligibility, documentation, KYC, credit assessment, and internal risk evaluation as per RBI regulations and Vedika Credit Capital Ltd policies.

• Any timelines shown are indicative and not guaranteed.

6) Pricing Transparency

Vedika Credit Capital Ltd discloses applicable interest rate, fees/charges (if any), repayment terms, and total borrower obligation before disbursement as per RBI guidelines.
If an EMI calculator is provided, results are indicative only and may change based on final approved terms.

7) Responsible Lending

Vedika Credit Capital Ltd follows responsible lending practices and the RBI Fair Practices Code, with focus on transparency, fair treatment, affordability assessment, and customer protection.

8) Customer Information & Consent (Data Use)

By submitting information on the Website, you consent to collection and processing of your data strictly for:

• loan processing and servicing

• KYC verification and regulatory compliance

• credit assessment / risk evaluation

• fraud prevention and security checks

• customer support and grievance handling

Data handling is governed byVedika Credit Capital Ltd Privacy Policy.

• Vedika Credit Capital Ltd does not sell, rent, or trade customer personal information to third-party marketers.

9) Cookies & Technical Data

Vedika Credit Capital Ltd may collect limited technical information (e.g., IP address, device/browser details) for security and site functionality. You can manage cookies through browser settings; disabling cookies may impact some features.

10) User Conduct

You agree not to:

• submit false, misleading, or incomplete information

• attempt unauthorized access, hacking, scraping, or disruption

• upload malware/viruses or harmful code

• use the Website for unlawful or abusive activity

11) Intellectual Property

All content, logos, trademarks, text, and materials on this Website are owned by Vedika Credit Capital Ltd or its licensors. You may use the Website for personal, non-commercial viewing only. No copying/redistribution without written permission.

12) Third-Party Links

External links (if any) are provided for convenience/information only. Vedika Credit Capital Ltd does not control or endorse third-party sites and is not responsible for their content or services.

13) Disclaimer  

Vedika Credit Capital Ltd makes reasonable efforts to keep information accurate and updated. However, product terms may change in line with RBI regulations and internal policy.
Nothing in these Terms limits any customer rights available under applicable Indian laws.

14) Limitation of Liability

Vedika Credit Capital Ltd  will not be liable for indirect or consequential losses, except where such limitation is not permitted under applicable Indian law. Vedika remains responsible in accordance with RBI regulations and applicable laws.

15) Refund Policy (Digital Payments)

A) Double EMI Deduction

• Report within 2 days of debit at customer.service@teamvedika.com

• Valid cases: resolution within 3 working days

• If eligible, refund processing within 7 days of resolution

• Credit reflection depends on bank/payment rails and may take up to 10 days

B) Payment Failure but Amount Debited
If amount is debited but Vedika Credit Capital Ltd does not receive payment, the bank/payment gateway may auto-refund as per their policy. You may also contact Vedika Credit Capital Ltd support for tracking.

Note: All refunds are subject to validation and internal review as per Vedika Credit Capital Ltd policy and applicable RBI guidelines.

16) Changes to Terms

Vedika Credit Capital Ltd may update these Terms from time to time. Updated Terms will be posted on the Website and will apply from the date of posting.

17) Governing Law & Jurisdiction

These Terms are governed by the laws of India. Courts in India shall have jurisdiction. (Arbitration, if adopted, will be as per the Arbitration and Conciliation Act, 1996.)

18) Grievance Redressal

Vedika Credit Capital Ltd maintains a grievance redressal mechanism as per RBI guidelines. Unresolved complaints may be escalated under the RBI Integrated Ombudsman Scheme (as applicable).

Grievance Officer / Chief Nodal Officer: Mr. Sohan Singh
Address: 404, Shrilok Complex, 4th Floor, H.B. Road, Ranchi – 834001, Jharkhand
Email: customer.service@teamvedika.com
Phone: +91 92292 02994

19) Contact

For queries/support: customer.service@teamvedika.com | 9431710000