Terms of use

ONKIST is a non-banking financial company (NBFC) registered with the Reserve Bank of India. We lend to you directly: we assess your application, make the credit decision, issue the Key Fact Statement and sanction, and disburse the loan.

Credit approval, pricing, sanction, disbursal, and recovery are solely at the discretion of ONKIST, as set out in your offer and Key Fact Statement (KFS).

• You must be an Indian resident eligible under our credit policy (typically 21–60 years).
• Information you provide must be accurate; false information may lead to rejection or legal action.
• You must have legal capacity to enter a loan contract.

Amounts, EMIs, or “pre-approved” limits shown on the website or in the apply flow are indicative until ONKIST issues a final sanction and KFS. Do not rely on them as a binding offer.

• Do not misuse the site, attempt unauthorised access, or interfere with security controls.
• Do not submit applications on behalf of others without authority.
• We may suspend access for fraud, abuse, or regulatory reasons.

To the extent permitted by law, ONKIST is not liable for indirect losses arising from third-party outages or force majeure. Once sanctioned, your loan relationship is with ONKIST under your loan agreement and KFS.

These terms are governed by the laws of India. Courts at the place ofONKIST's registered office shall have jurisdiction, subject to mandatory consumer protections.

See also Privacy policy and Grievance redressal.