Effective from: April 2025

1. Introduction

Welcome to the official website of **Nidhi Capital Finance.** ("Nidhi Finance," "we," "our," or "us"). The following terms and conditions govern your use of the Nidhi Capital Finance website (the "Site") and any services provided through it. By accessing or using this Site, you agree to abide by these Terms and Conditions, as well as any applicable laws and regulations. Please read them carefully before proceeding with the use of our services.

Beautiful Securities Ltd is a **RBI-registered Non-Banking Financial Company (NBFC)** (CIN: U67120MH1994PLC076468) providing a variety of financial services, including personal loans, business loans, and other lending products. Our registered office is located at **101-103, Mittal Court, A Wing, 10th Floor, Nariman Point, Mumbai 400021 - Maharashtra**. By using this Site, you confirm that you agree to comply with and be bound by these terms and conditions.

2. Loan Eligibility

To be eligible for a loan from **Nidhi Capital Finance**, the applicant must fulfill the following criteria:

• **Indian citizens** aged between **21 to 60 years**.
• Minimum monthly income of **₹15,000** (the exact figure may vary based on the city of residence).
• Must possess a valid **PAN card** and **Aadhaar card** as proof of identity.
• Must have a **stable income** and **clean credit history**.

3. Interest Rates & Fees

The interest rates and fees applicable on loans will depend on the applicant’s credit profile, loan type, and other relevant factors. The following details apply:

• **Interest Rate**: Ranges from **7.99% to 24% per annum** depending on the applicant's creditworthiness and other factors.
• **Processing Fee**: Up to **2.5%** of the loan amount, subject to applicable terms and conditions.
• There are **no hidden fees**, and all fees will be communicated transparently to the borrower before loan disbursal.

4. Loan Repayment Terms

Loans provided by **Nidhi Capital Finance** are structured with flexible repayment options to accommodate the borrower’s financial situation. Key points include:

• **EMI Options**: Borrowers can choose from a variety of EMI repayment plans based on the loan size and duration.
• **Prepayment**: Borrowers may opt for prepayment of loans without any additional charges, unless specified otherwise in the agreement.
• **Late Payment Penalties**: Delays in repayment may incur a late fee as per the loan agreement.

5. Responsible Lending

**Nidhi Capital Finance** is committed to ensuring that loans are offered responsibly. We assess the borrower’s repayment capacity before offering any loan. Our approach to responsible lending includes:

• Ensuring that the loan amount and repayment terms align with the borrower’s financial capacity.
• Providing flexible repayment options that are designed to minimize the burden on borrowers.
• If you encounter financial difficulties, you may be able to modify your repayment schedule upon request and approval.

6. Grievance Redressal

If you have any complaints or grievances regarding our services, we provide a transparent and efficient grievance redressal mechanism. Please contact our dedicated **Grievance Redressal Cell** through the following:

• **Email**: [[email protected]](mailto:[email protected])
• **Phone**: **1888-452-1505**
• **Response Time**: We aim to resolve all grievances within **5 working days** from the date of receiving the complaint.

7. Data Security

We take your privacy and security very seriously. All personal, financial, and transaction data shared with us is protected using the latest encryption technologies. We comply with applicable data protection laws to ensure the safety of your information. We do not share or sell your data to any third parties without your consent unless required by law.

8. Policy Updates

We may update these Terms & Conditions periodically to reflect changes in legal requirements or service upgrades. All updates will be posted on this page, and the **effective date** will be updated accordingly. We encourage you to regularly review this page for the latest information.

9. Contact Information

Registered Office: **101-103, Mittal Court, A Wing, 10th Floor, Nariman Point, Mumbai 400021 - Maharashtra**

Call Us: 1888-452-1505 | Email: [email protected]

10. Disclaimer

**Loan Approval**: Loan approval and disbursal are subject to our internal credit policies, eligibility criteria, and risk assessment. We reserve the right to reject any application without prior notice. **Interest Rates**: The applicable interest rates will vary based on the borrower’s profile, the loan amount, and other factors. All details will be provided transparently.

11. Governing Law

These Terms & Conditions are governed by the laws of **India**. Any legal disputes arising under these Terms & Conditions will be subject to the jurisdiction of courts located in **Mumbai, Maharashtra**.