Terms of Use

By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.

This site is provided to help you understand loan products, estimate figures using our calculators, and submit enquiries to Navya NGS Pvt Ltd. You agree to use it only for lawful purposes and to provide accurate information in any form you submit.

Navya NGS Pvt Ltd is a Direct Selling Agent (DSA) and channel partner, not a lender. We do not sanction, approve, or disburse loans. Submitting an enquiry or application through this site does not guarantee approval by any lending partner. All approvals, terms, and conditions are at the sole discretion of the lender.

You are responsible for the accuracy and completeness of any information you submit through this site. Inaccurate or incomplete information may delay or prevent processing of your application, and may affect the eligibility estimates our calculators produce.

All interest rates, EMI figures, eligibility estimates, and savings calculations shown on this site — including the EMI calculator, balance transfer savings calculator, and eligibility calculator — are indicative only. They are based on the inputs you provide and assumptions stated alongside each tool, and do not constitute an offer, quote, or commitment from us or any lending partner. Actual terms are determined solely by the lender at the time of application.

This site may link to third-party websites, including lending partners. We are not responsible for the content, accuracy, or practices of any third-party site, and linking to it does not imply endorsement.

To the fullest extent permitted by law, Navya NGS Pvt Ltd shall not be liable for any indirect, incidental, or consequential loss arising from your use of this site, reliance on calculator outputs, or any decision made by a lending partner regarding your application.

These Terms are governed by the laws of India. PLACEHOLDER — confirm the specific jurisdiction (e.g. courts of Delhi) for dispute resolution before publishing.

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

• Last updated: July 2026