Legal & Support

Terms of Service

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.

These Terms of Service (“Terms”) apply to your use of the website, the Android app and the web app, and to any loan application you make through them. By using the Platform or submitting an application, you confirm that you have read and agree to these Terms and to our Privacy Policy.

1. Our role

LoanDidi is a Lending Service Provider. We help you find a loan, apply, complete your verification, sign your documents, and stay informed. We also provide servicing support and, where the Lender authorises us, contact you about repayments. We are not a lender. The loan is sanctioned, disbursed and held by the Lender. The Lender's identity, and LoanDidi's role as its LSP, are shown on the Platform, in your Key Fact Statement (“KFS”) and in your Loan Agreement. Nothing on the Platform is an offer or promise of a loan. Every loan depends on the Lender's decision, applicable law and the Loan Agreement you sign with the Lender.

2. Who can apply

• You must be a resident of India and between 18 and 55 years of age, and competent to contract under the Indian Contract Act, 1872. The Platform checks your date of birth from your KYC record and cannot take an application from a person older than 55.
• Loans are offered from Rs 2,000 up to Rs 2,00,000. The amount you are offered is decided by the Lender after its credit review and may be lower than the amount you ask for. The tenure is up to 12 months; the exact tenure is shown in your Key Fact Statement before you accept.
• If an application is declined, you can apply again after 60 days from the decision. The app shows the date.

3. Your account and the information you give

• You sign in with your mobile number and a one-time password, and confirm your email address with another. Keep your device and OTPs to yourself. You are responsible for what is done through your account.
• You must give true, current and complete information, and apply only for yourself. Giving false information, or using someone else's identity or documents, can lead to your application being declined, and the Lender and LoanDidi may take the action the law allows.
• You agree to complete the verification the Lender requires: KYC through DigiLocker, PAN, a selfie and video, a bank account check, a bank statement read through an Account Aggregator (or an uploaded statement), and a credit report. You consent to each as you reach it. How we use the resulting information is explained in the Privacy Policy.
• Keep your contact details up to date so that we can reach you.

4. How an application works

In outline: you choose an amount and purpose, verify your identity, give your address and work details, record a selfie and video, link your bank account, and ask for your offer. The Lender reviews your application and decides. If you receive an offer, the KFS shows the amount, the tenure in days, the interest rate, the annual percentage rate (APR), every fee and charge, the repayment amount and date, and the cooling-off period. You are not bound until you accept the offer, sign the Loan Agreement with an Aadhaar e-sign, and set up your repayment mandate. If the Lender declines, you can apply again after 60 days.

5. Loan terms, interest and charges

The loan amount, interest rate, APR, tenure, repayment date, processing fee, penal charges, mandate dishonour charge and every other charge are set by the Lender and disclosed in the sanction letter, the KFS and the Loan Agreement, under the Lender's Interest Rate and Charges Policy. LoanDidi does not set or change them, and does not add any charge of its own. If these Terms conflict with the Loan Agreement or the KFS about the loan, the Loan Agreement and KFS prevail.

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.

6. Disbursal and repayment

If you accept an offer, the Lender pays the net amount into your verified bank account. You repay the Lender on the due date. Repayment is normally collected by an automatic debit under the mandate you set up (UPI Autopay or e-NACH). You can also pay through the payment options shown in the app. Keep enough balance in the account on the due date. A dishonoured debit or a late payment can carry the charges stated in your KFS, can be reported to credit information companies, and can affect your credit score. You can repay early; the KFS states whether any charge applies.

7. Communications

You agree that we, the Lender and the services working for us may contact you about your application and loan by SMS, WhatsApp, email, push notification and phone calls. Servicing and recovery contact is made on the Lender's behalf under the Lender's Fair Practices Code, politely and ordinarily only between 08:00 and 19:00 hours. Messages about your application and repayments are service messages. You can manage which marketing emails you receive from the email preferences page.

8. Acceptable use

• Use the Platform only for lawful purposes and only for your own application.
• Do not try to gain unauthorised access, introduce malicious code, copy data from the Platform by automated means, or interfere with its operation or security.
• Do not impersonate any person, misstate your identity, or use the Platform for fraud or any unlawful activity.

9. Intellectual property

The LoanDidi name and logo, and the content, design and software of the Platform, belong to or are licensed to 36 Forts Capital Private Limited. You may not copy or use them without our written permission, except for your own personal use of the Platform.

10. Third-party services

To complete some steps the Platform opens pages of other services, such as DigiLocker, an Account Aggregator, an e-sign provider and Razorpay. Your use of them is subject to their own terms. We are not responsible for their content or practices, but we share information with them only as the Privacy Policy describes.

11. Availability and our responsibility

We work to keep the Platform available and accurate, but we cannot promise it will always run without interruption or error. To the extent the law allows, LoanDidi and 36 Forts Capital Private Limited are not liable for indirect or consequential loss arising from your use of the Platform, or from the acts of the Lender or any third party. Nothing in these Terms limits any right you have by law that cannot be limited, or any right you have against the Lender under the Loan Agreement. You agree to compensate us for loss caused by your breach of these Terms, by false information you gave, or by your breaking the law.

12. Complaints

If you have a complaint, use the process below. It is the same process as in our Grievance Redressal Code, Privacy Policy and Fair Practices Code.

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.

13. Governing law and changes

These Terms are governed by the laws of India, and the courts in India have jurisdiction, except that matters about the loan are also governed by the dispute resolution and jurisdiction terms of the Loan Agreement with the Lender. We may change these Terms by posting the new version at this address with a new date, and we will tell you in the app or by email if the change is significant. If you keep using the Platform after a change, you accept it.

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