Legal & Support

Fair Practices Code

LoanDidi™, operated by 36 Forts Capital Private Limited  ·  Version 3.0  ·  Effective 15 October 2026  ·  Last updated 15 October 2026

Credit, when life needs it.

LoanDidi (“LoanDidi”, “we”, “us” or “our”) is a brand of 36 Forts Capital Private Limited, Ground Floor, Gore Parisar, Civil Lines, Raipur, Chhattisgarh - 492007. We act as a Lending Service Provider (“LSP”) and operate the LoanDidi website at www.loandidi.com and the LoanDidi app, which is available as an Android app and as a web app at app.loandidi.com (together, the “Platform”). Loans offered through the Platform are made by Collocate Merchants Private Limited (CIN U51109WB1995PTC070852), a Non-Banking Financial Company registered with the Reserve Bank of India (“RBI”), Certificate of Registration No. B-05.05188, registered office at 2A, Ganesh Chandra Avenue, Commerce House, 5th Floor, Room No. 4A, Kolkata, West Bengal - 700013 (the “Lender”). LoanDidi helps you apply, verifies your details, and helps service your loan. The Lender alone decides whether to lend, and sanctions, disburses and holds the loan.

This Fair Practices Code (the “Code”) sets out how LoanDidi deals with you. It supports the Lender's own Fair Practices Code, which is published on the Lender's website and applies to the loan itself, and it follows the Reserve Bank of India (Digital Lending) Directions, 2025. If this Code and the Lender's Code differ, the one that is better for you applies.

1. Our commitments

• We deal with you honestly, fairly and with respect, in plain language, and in a language you understand where we can offer it.
• We do not mislead you about any product, charge or process.
• We do not discriminate on grounds of gender, religion, caste, language, disability or any other prohibited ground, and we treat every applicant by the same rules.
• At every stage we tell you that LoanDidi is the LSP and that Collocate Merchants Private Limited is the Lender that sanctions, disburses and holds the loan.
• We give reasonable help to people with disabilities in using our services.

2. Applying

• We tell you at the start what information and documents are needed, and why.
• We collect only the information needed for your application, and only with your consent. The Privacy Policy lists exactly what we collect. The Android app does not read your SMS, contacts, call logs, photos or the list of apps on your phone, and asks only for approximate location, which you can refuse.
• You can apply if you are a resident of India aged 18 to 55. The loan amount is from Rs 2,000 up to Rs 2,00,000. The Lender decides whether to lend and how much, after its credit review. We do not guarantee approval.
• If an application is declined, you are told, you can ask for the reasons in writing from the Grievance Redressal Officer, and you can apply again after 60 days.

3. Transparency on interest and charges

The Lender sets the interest rate, APR, fees and all charges. We show them to you in the Key Fact Statement (KFS) before you accept, including the annual percentage rate, the amount you will actually receive, the repayment amount and date, and the cooling-off period. We add no charge of our own. There are no hidden or retrospective charges. Penal charges, where they apply, are charged as stated in the KFS, are not added to the loan as interest, and do not attract further interest. If terms change, the change applies only to the future and you are told in advance.

Cooling-off (look-up) period. After the loan is disbursed you have 3 days to exit it, without any penalty, by repaying the principal and the proportionate annual percentage rate (APR) for the period you held the money. The processing fee deducted at disbursal is not refunded. Your Key Fact Statement and Loan Agreement state the exact amount payable on exit. After the cooling-off period, prepayment and foreclosure are as set out in the Loan Agreement.

4. Privacy and confidentiality

We keep your information private and use it only as the Privacy Policy says. We process and keep it on behalf of, and as instructed by, the Lender, under the Reserve Bank of India (Digital Lending) Directions, 2025. It is stored in India, and kept for 10 years for KYC and underwriting records, 8 years after closure for loan and repayment records, and 5 years for complaints. You can ask for your account and data to be deleted, as the Privacy Policy sets out, subject to those periods. We share information only with the Lender, with the services named in the Privacy Policy that help us run the loan, where the law requires, or with your consent.

5. Conduct, servicing and recovery

• The Lender has authorised LoanDidi to contact you for servicing and for following up on repayments. Any recovery is done by or for the Lender, under the Lender's Fair Practices Code and Code of Conduct for recovery agents.
• We treat you with courtesy. We do not harass, threaten or abuse you, use obscene or insulting language, or use force or intimidation.
• We contact you ordinarily only between 08:00 and 19:00 hours.
• We do not access your phone book. We do not tell your family, friends or employer about your loan, and we do not pressure you through them.
• Our staff and representatives identify themselves when they contact you. We will act on any complaint about their conduct.
• If you are in real difficulty, tell us early at contact@loandidi.com or +91-9009003333, so that the Lender can consider what help is possible within its policy.

6. Beware of fraud

We never collect cash, and never ask for your OTP, password, UPI PIN, card number or CVV. The Lender pays the loan into your own bank account, and you repay the Lender through your mandate or the payment options in the app. If someone asks you for money or for these details in our name, do not give them, and report it to contact@loandidi.com.

7. Complaints

If you are unhappy with anything about our service or the loan, use the process below. It is the one process used in our Grievance Redressal Code, Privacy Policy and Terms of Service, and it fits with the Lender's own Grievance Redressal Policy.

You may move to the next level if you are not satisfied with a reply, or if you do not get one in the time shown. In every case we aim to resolve your complaint within 30 days of the day you first raised it. If it is not resolved within 30 days, or you are not satisfied with the result, you may take it to the RBI through the Reserve Bank - Integrated Ombudsman Scheme, 2021. A complaint about the loan itself is made against the Lender, as the regulated entity.

8. Feedback, review and overriding effect

We welcome your feedback and use it to improve. This Code is approved by the management of 36 Forts Capital Private Limited. If it conflicts with RBI directions, the RBI directions prevail.

This document is reviewed at least once a year, and when applicable law or our arrangements with the Lender change materially. If anything in it conflicts with the Reserve Bank of India (Digital Lending) Directions, 2025 or other applicable RBI directions, the RBI directions prevail.

For and on behalf of 36 Forts Capital Private Limited (operator of LoanDidi™)
Authorised Signatory / Director