Please review the following loan terms and conditions thoroughly, as it contains essential information about your rights and obligations, including important limitations and exclusions.

Loan Facility Information
We offer loan amounts of up to Rs 3,00,000. The approved loan limit is determined based on your credit profile, repayment history, income details, and other relevant factors. After loan approval, customers may transfer the approved amount to their bank account as a personal loan. The borrowed amount can be repaid through 3 to 12 Equal Monthly Installments (EMIs).

Fees, Interest and Sample Calculation

Processing Fee: Processing Fee refers to the charges collected by Rohil Cash for handling and processing loan applications. The customer shall pay the applicable processing fee to the lender for each loan transaction initiated through Rohil Cash. The processing fee will be up to 1% of the approved loan amount.

Interest: Rohil Cash applies interest to the outstanding loan balance based on the interest rate displayed on Rohil Cash when the loan is obtained. The Daily Interest Rate is 0.03%. The Annual Percentage Rate (APR) is 10.88%.

Example: If a customer borrows Rs 20,000 for a 6-month repayment period at an APR of 10.88%, the customer will repay the loan through monthly EMIs of Rs 3,512 for 6 months. The processing fee including GST will be Rs 236. The customer will receive Rs 19,764 after deduction of the service charge. The total repayment amount over 6 months will be Rs 21,074, including the principal amount of Rs 20,000 and interest charges of Rs 1,074.

By electronically signing this document, the Borrower(s) confirms and acknowledges that you/Borrower(s):
- are at least 20 years old,
- have fully understood the terms and conditions of the loan, and
- agree to be bound by the loan terms and conditions outlined below.


1. Application & Disbursement
Following the Borrower(s) application in the loan application form, Rohil Cash has sanctioned a non-revolving loan up to the amount specified in the the application. The Borrower(s) agrees to borrow this amount according to the terms of the Application and/or this document. Rohil Cash may disburse the Loan at its discretion.

2. Repayment
The Borrower(s) acknowledges understanding Rohil Cash's EMI calculation method. Payments, including EMIs, must be made by due dates. Penal/Default Charges apply for late payments.

3. Prepayment
The Borrower(s) may prepay the Loan in full or partially before the repayment period ends.

4. Representations and Warranties
The Borrower(s) represents and warrants that:
- They are an Indian citizen, of legal age, sound mind, and competent to contract.
- No legal impediments exist for entering into or performing transactions related to the Loan.
- This document constitutes legal, valid, and binding obligations.
- There are no existing Events of Default.
- All declarations made are true and complete.
- Payment Instruments will be provided for full repayment, aware of criminal implications under the Negotiable Instruments Act, 1881/The Payment and Settlements Act, 2007.
- The Borrower(s) will abide by Indian laws, including the Prevention of Money Laundering Act, 2002.
- They will observe all obligations, provide required documents, authorize Rohil Cash to communicate with their bank/employer, notify Rohil Cash of any legal proceedings or Events of Default, and keep Rohil Cash informed of address changes. They will also keep up with Rohil Cash’s rules, make regular repayments, and pay all taxes.

5. Negative Covenants
The Borrower(s) shall not, without Rohil Cash's written consent:
- Incur additional debt or provide guarantees.
- Sell, transfer, or encumber any assets except to Rohil Cash.
- Change legal or beneficial ownership/control.
- Change or cease current employment/business or terminate any Rohil Cash account.

6. Event of Default
Events of Default include:
- Failure to meet obligations or payments.
- Misrepresentations by the Borrower(s).
- Dishonor of any Payment Instrument.
- Adverse events affecting repayment capability.
- Legal processes or insolvency proceedings against the Borrower(s).
- Decrease in security value.
- Events such as death, insolvency, or change in employment.

7. Notice
Rohil Cash may, at its discretion, provide notice of any Event of Default to the Borrower(s), specifying nature and cure period. Failure to cure within the specified time may lead to further actions.

8. Consequence of Default
Upon an Event of Default, Rohil Cash may:
- Declare the entire Outstanding Balance due immediately.
- Enforce or sell Security, with or without court intervention.
- Pursue legal actions to recover dues.

9. Assignment
The Borrower(s) cannot assign or transfer any rights or obligations under the Loan or related documents.

10. Continuation of Terms
Provisions of these terms remain in effect until the Final Settlement Date, regardless of actions taken by Rohil Cash.

11. Service Providers
Rohil Cash may engage third parties for loan-related tasks, including collections, security enforcement, and information verification.

12. Information Covenant
Borrower(s) information will be retained and destroyed per Rohil Cash's guidelines. Rohil Cash may disclose non-personal information to relevant entities without Borrower(s) consent, but personal information will require prior consent.

13. Electronic Execution
The Loan is sanctioned through an electronic platform. Borrower(s) consent to accept terms via secure authentication. Rohil Cash is not obligated to verify transactions beyond authentication, and Borrower(s) are responsible for securing their credentials.

14. Notices
Notices from Rohil Cash will be deemed served through various methods including post, courier, email, or SMS. Borrower(s) must inform Rohil Cash of address changes and obtain acknowledgment.

15. Jurisdiction & Arbitration
The Loan and documents are governed by Indian laws. Disputes will be subject to the jurisdiction of the local court/tribunal of Rohil Cash's branch. Disputes may be referred to arbitration under the Arbitration and Conciliation Act, 1996, with the proceedings in English and costs borne by the losing party.

16. Prospective Changes
Changes in interest rates or charges will be made prospectively with Borrower(s)' consent.

17. Severability
If any provision is held unlawful, the remaining terms will remain in effect.

18. Grievance Resolution Process
We are committed to delivering exceptional service and support to our Borrowers. If you have any concerns or issues, please don't hesitate to contact us via email at: contactus@rohilinvestmentin.com.

Borrower(s) Acknowledgment and Confirmation

1. Borrower(s) agree to the Loan terms and conditions, and affirm their competency and legal capacity.
2. The information provided is accurate; Borrower(s) will not hold Rohil Cash responsible for any incorrect information and will promptly update any changes.
3. Documents and correspondence will be in English, and all terms and conditions comply with applicable laws.
4. No insolvency proceedings or legal suits are pending, and Borrower(s) have not taken any undisclosed loans.
5. Rohil Cash may, at its discretion, offer a credit limit increase, refuse disbursement despite a sanction letter, and verify provided information and creditworthiness.
6. Borrower(s) consent to Rohil Cash accessing KYC records, obtaining their Credit Information Report (CIR).
7. The Borrower agrees that, in the event of a breach of the transaction documents (including missed payments), the reference contacts provided may be contacted to verify the Borrower’s identity, assess repayment ability, and/or pursue collection actions.
8. Identity documents provided are accurate and complete; discrepancies must be corrected immediately, and Borrower(s) assume liability for inaccuracies.
9. Loan funds will be used solely for the stated purposes, and no Rohil Cash representative induced the Loan application.