Digital lending disclosures

This website is the Digital Lending App of ONKIST, an NBFC registered with the RBI. You apply here for loans that ONKIST itself sanctions, disburses, and services. Your sanction letter, KFS, and loan agreement are issued by ONKIST.

Before you accept a loan, ONKIST will give you a Key Fact Statement including loan amount, tenor, annual percentage rate (APR), instalment amount, processing fees, penal charges, cooling-off / look-up period, and grievance officer details. You should receive signed copies on your verified email / SMS after execution.

• We collect only data needed for your application, with purpose disclosed at each step.
• We do not access your contact list, call logs, or unrelated files on your device.
• Camera, microphone, or location may be requested once for KYC / fraud checks, with your explicit consent.
• Optional marketing uses are separate from loan processing consent.

Full details: Privacy policy

ONKIST offers a cooling-off / look-up period (minimum one day under current RBI digital lending directions, or as stated in your KFS) during which you may exit the loan by paying principal and proportionate APR without penalty, subject to any disclosed one-time processing fee in the KFS.

RBI publishes a directory of DLAs reported by regulated entities. Use it to confirm this app is listed under ONKIST. See also Company & regulatory details.