Disclaimer

Apni Zaroorat operates exclusively as a digital aggregator, Loan Service Provider (LSP), and a Direct Selling Agent (DSA). We are strictly NOT a Bank, Non-Banking Financial Company (NBFC), or an Insurance Provider. Our platform acts merely as a technology bridge to connect users with RBI-registered lending institutions and IRDAI-registered insurance companies.

• For Loans: The final decision regarding the approval or rejection of a loan, the loan amount sanctioned, the applicable interest rate, and the repayment tenure rests entirely with the respective Bank/NBFC based on their internal credit policies and your credit profile. Apni Zaroorat does not influence, guarantee, or promise the approval of any financial product.
• For Insurance: The issuance of an insurance policy and the settlement of claims are the sole discretion and responsibility of the respective Insurance Company. Apni Zaroorat holds no liability in the underwriting process or claim disputes.

The information, content, and tools provided on Apni Zaroorat (including the Personal Loan EMI Calculator, Insurance Premium Calculator, and Credit Eligibility indicators) are strictly for informational and illustrative purposes only.

• These tools do not constitute financial, legal, or tax advice.
• Actual EMI amounts, premium quotes, and eligibility may vary significantly based on the final terms provided by our Partner institutions. Users are advised to independently verify all details directly with the respective financial institution before making any commitments.

Apni Zaroorat and its official representatives will NEVER ask you to:

• Deposit cash into any personal or corporate bank account.
• Pay advance processing fees, consultation charges, or "file clearance" fees.
• Share your sensitive banking passwords, UPI PINs, or ATM card CVVs over a phone call or email.

Our platform is completely free for users. Any processing fees levied by the lending Bank/NBFC will be directly deducted from the sanctioned loan amount. Please beware of scammers and imposters using our brand name.

Our website may contain links to third-party websites, APIs, or partner portals. Apni Zaroorat does not endorse, guarantee, or take responsibility for the accuracy, security, or privacy practices of these external sites. Accessing any third-party link is entirely at the user's own risk.

By using this platform, you explicitly agree that Apni Zaroorat shall not be held liable for any direct, indirect, incidental, or consequential damages, financial losses, or disputes arising from your interactions with the third-party Banks, NBFCs, or Insurance Companies featured on our platform.