Effective 3 August 2026 · Last updated 3 August 2026
These terms govern your use of moneyed.co.in and every tool on it — the loan and rate comparison, the eligibility and EMI calculators, the CIBIL report analyser, and the employer (company) check. Please read section 3 in particular: it sets out what we are not.
In these terms, "Moneyed", "we", "us" and "our" mean Moneyed Advisory Services, a sole proprietorship carrying on business from Delhi, India, GSTIN 07AJOPV3057D1ZY, Udyam Registration UDYAM-DL-07-0014863, and operating the website moneyed.co.in. "You" means the person using the site.
Moneyed is a new venture. The advisory experience described elsewhere on this site is the personal professional experience of its proprietor, gained before Moneyed was established, and is not a claim about Moneyed's own trading history.
By using the site you accept these terms and our Privacy Policy, which forms part of them. If you do not accept them, please do not use the site.
You must be at least 18 years old and legally competent to contract under the Indian Contract Act, 1872. If you use the site on behalf of a business, you confirm you are authorised to bind it.
Moneyed is not a lender. We are not a bank, a Non-Banking Financial Company (NBFC), a Housing Finance Company, or any other entity registered with or regulated by the Reserve Bank of India. We do not lend money, accept deposits, issue credit, underwrite applications, or take any credit decision. We do not act as a Credit Information Company under the Credit Information Companies (Regulation) Act, 2005.
Moneyed provides information and advisory assistance only. Specifically, we:
Every credit decision belongs to the lender. Approval, the amount sanctioned, the interest rate offered, the tenure, the fees and every other term are decided solely by the lender under its own credit policy. Nothing on this site is an offer of credit, a pre-approval, a sanction, a commitment, or a guarantee that any application will succeed or that any particular rate will be given to you.
Where you proceed with a lender through us and that loan is disbursed, we may receive a referral or facilitation fee from the lender. This is how the service is funded.
We do not charge you a fee for comparing loans, using the calculators, running the CIBIL analyser, or speaking to us. If any charge to you is ever introduced, it will be disclosed clearly and agreed with you in writing before it applies.
You should assume that we have a commercial relationship with lenders we introduce you to. Our recommendations are made on the merits of your situation, but you are free to approach any lender directly, and we encourage you to compare what we tell you against the lender's own published terms.
Rates and charges shown are indicative and are reproduced from what each lender publishes, or from data sheets those lenders provide. The date on which our figures were last verified is shown on the page. Lenders change pricing at their discretion and without notice, so a figure here may already be out of date. Some lenders — particularly for business loans — do not publish a rate at all and quote case by case; we show those as "on request" rather than estimate a number.
Before you act on anything, check the lender's own Key Fact Statement and sanction letter. Those documents, not this site, govern your loan.
The employer check reproduces each lender's own categorisation of employers, exactly as that lender records it, including negative categorisations such as "delisted", "negative" or "not qualified". These gradings are the lender's, not ours. We do not assess, rate, endorse or comment on any employer, and we do not alter a lender's wording. A listing is not an approval, and an absence or a negative marking is not a statement by us about that employer's standing.
If you are an employer or a lender and believe a listing is wrong or should be removed, write to us at the address in section 15 and we will act on it promptly.
The EMI, eligibility, FOIR, balance-transfer, part-payment and tax calculators are illustrations. They use the figures you enter and standard formulas. They do not know your lender's actual method, rounding, billing cycle, insurance loading or applicable tax rules. Real figures will differ. Tax calculations follow the financial year stated on the tool and are not tax advice.
Nothing on this site is financial, investment, legal, accounting or tax advice, and we are not a SEBI-registered investment adviser. The site does not take account of your personal circumstances or objectives. Take independent professional advice before borrowing.
How the analyser works, precisely:
You confirm that any report you upload is your own, or that you have the account holder's explicit permission to submit it. Uploading another person's credit report without their consent may breach the Digital Personal Data Protection Act, 2023 and other law, and you are responsible if you do so.
Credit data is sensitive. Do not send us credit reports, statements or identity documents over unsecured channels, and never share passwords, OTPs, card numbers or account credentials with anyone claiming to represent us. We will never ask you for them.
You agree that you will:
We may suspend or withdraw access, without notice, where we reasonably believe these terms have been breached.
The site's design, text, layout, code, compilations and branding belong to Moneyed and are protected by Indian and international law. You may view and print pages for your own personal, non-commercial use. Any other copying, adaptation, distribution or commercial exploitation requires our written permission.
Bank, NBFC, company and product names and marks belong to their respective owners and are used here only to identify the source of information. Their use does not imply any partnership, sponsorship, endorsement or affiliation unless we state one expressly.
The site links to lenders' own pages and other third-party resources so you can verify what we show. We do not control those sites and are not responsible for their content, accuracy, security or privacy practices. Your dealings with any lender — including any application, contract, payment or dispute — are between you and that lender alone.
We aim to keep the site available but do not guarantee uninterrupted or error-free operation. Features may be changed, suspended or withdrawn at any time. The site is provided "as is" and "as available", without warranty of any kind, express or implied, including as to accuracy, merchantability, fitness for a particular purpose or non-infringement, to the fullest extent the law allows.
To the fullest extent permitted by Indian law:
Nothing here excludes liability for fraud, or for anything that cannot be excluded under applicable law, including your rights under the Consumer Protection Act, 2019.
You agree to indemnify Moneyed and its proprietor against any claim, loss, liability or reasonable cost arising from your breach of these terms, your misuse of the site, or your submission of information or documents you were not entitled to submit.
We process personal data in accordance with the Digital Personal Data Protection Act, 2023 and our Privacy Policy. In short: we collect what we need to advise you, we share your details with a lender only where you ask us to, we do not sell your data, and you may withdraw consent or ask for erasure by writing to the Grievance Officer.
We may update these terms. The "last updated" date at the top will change, and material changes will be highlighted on the site. Continuing to use the site after a change means you accept the revised terms. The version in force when you use the site is the one that applies.
If something on this site is wrong, or you wish to complain, raise a data-protection request, or ask for a listing to be corrected, contact our Grievance Officer. We aim to acknowledge within 48 hours and resolve within 30 days.
| Purpose | Contact |
|---|---|
| Grievance Officer | grievance@moneyed.co.in |
| General queries | help@moneyed.co.in |
| Phone | +91 6269 000 066 |
| Location | Delhi, India |
If a lender is the subject of your complaint, you may also use that lender's own grievance process, and thereafter the RBI Ombudsman scheme. Moneyed is not a regulated entity and is not within the Ombudsman's jurisdiction.
These terms are governed by the laws of India. Subject to any right you have as a consumer to bring proceedings where you live, the courts at Delhi, India have exclusive jurisdiction over any dispute arising from them.
If any provision is held unenforceable, the rest continues in force. Our failure to enforce a provision is not a waiver of it. These terms, together with the Privacy Policy, are the entire agreement between us about the site. You may not assign your rights under them; we may assign ours on notice, for example on a business transfer.