1. Welcome to Gowth Loans

Welcome to Gowth Loans ("Gowth Loans", "we", "our", or "us"). These Terms & Conditions govern your access to and use of the Gowth Loans website, products, services, communications, applications, and any facilities made available through our platform.

By accessing or using https://gowthloans.in, submitting an enquiry, applying for a loan, making payments, or interacting with our representatives in any way, you confirm that you have read, understood, and agreed to these Terms & Conditions, along with our Privacy Policy and any other policies published on our website.

Gowth Loans is a trusted lending aggregator operating under its parent organization, Oshudhi Products, headquartered in New Delhi, India. Our mission is to make the borrowing experience simple, fast, transparent, and stress-free by connecting eligible applicants with the most suitable lending partners and providing complete support throughout the application and approval journey.

We are committed to delivering a smooth, customer-first experience to every applicant.

2. About Gowth Loans and Our Services

Gowth Loans is committed to making financial opportunities accessible to everyone through technology-driven solutions and dedicated customer support. We work with a wide network of trusted lending partners, financial institutions, NBFCs, proprietary lenders, and other financial entities to ensure our customers get the right loan with minimum hassle.

Through our platform, customers can apply for a variety of financial products, including:

• Personal Loans

• Business Loans

• Education Loans

• Medical Loans

• Travel Loans

• Wedding Loans

• Home Improvement Loans

• Emergency Financial Assistance

• And other financial solutions introduced from time to time

Loans facilitated through our lending network are offered at attractive interest rates starting from just 10% per annum, with flexible repayment tenures of up to 100 months, designed to keep your monthly EMIs comfortable and manageable.

We also offer our exclusive 1% Plan for eligible customers — a flexible repayment structure designed to make repayments easier, smoother, and stress-free.

Our goal is simple — to make sure every eligible customer gets the financial support they need, quickly and confidently.

3. Eligibility

By using the Gowth Loans platform, you confirm that:

• You are legally competent to enter into binding agreements under applicable laws.

• You are eligible to use our services.

• All information provided by you is true, complete, accurate, and belongs to you.

• You will use our platform only for genuine and lawful purposes.

We aim to support every eligible customer in completing their loan journey smoothly and successfully.

4. Nature of Services

Gowth Loans operates as a customer-focused lending aggregator and financial assistance platform. We support customers by helping them explore the best loan options and by coordinating with lending partners on their behalf.

Our services include:

• Loan enquiry assistance

• Application facilitation

• Customer support

• Information verification

• Document coordination

• Repayment guidance

• And other related services to make your loan journey easier

We take care of the entire process so you can focus on what truly matters — getting the financial help you need.

5. Loan Applications

Customers may submit loan enquiries and applications through the Gowth Loans platform. During the application process, you may be asked to provide personal, financial, employment, identity, and other relevant information necessary to process your application.

You confirm that all information submitted is accurate and belongs to you. Our team may request additional information or documents whenever necessary to ensure your loan is processed smoothly and approved without delays.

Our experienced team works closely with our lending partners to make sure your application moves forward quickly and successfully.

6. Processing Fee

To ensure smooth and efficient handling of every application, Gowth Loans charges a one-time processing fee of ₹199.

This processing fee covers:

• Application facilitation

• File processing

• Coordination with lending partners

• Verification support

• Customer assistance throughout the loan journey

The processing fee is a one-time payment and is required to move your application to the final disbursement stage.

Payment of the processing fee confirms your acceptance of these Terms & Conditions and authorizes our team to proceed with your loan processing.

7. Customer Commitment

At Gowth Loans, we believe every customer deserves clear communication, complete support, and a seamless experience.

We are committed to:

• Providing transparent information at every step

• Offering attractive interest rates starting from 10% per annum

• Ensuring flexible tenures of up to 100 months

• Supporting customers with our exclusive 1% Plan where eligible

• Delivering responsive customer service

• Maintaining the confidentiality and security of your information

We treat every application with care and ensure that our customers feel supported throughout the entire process.

8. Customer Responsibilities

To help us serve you better and ensure the smooth processing of your loan, customers are expected to:

• Provide accurate and truthful information

• Submit required documents on time

• Stay reachable on the provided contact details

• Avoid applying with multiple lenders simultaneously, as this can cause delays

• Cooperate with our team during the verification and disbursement process

Your cooperation helps us deliver faster approvals and a smoother loan experience.

9. Communication

By using our services, you agree to receive communications from Gowth Loans through phone calls, SMS, WhatsApp, email, and other channels related to your loan application, approval status, disbursement, repayments, offers, and other service-related updates.

We use communication only to keep you informed and to make your loan journey easier.

10. Confidentiality and Data Protection

Your trust is important to us. All information shared with Gowth Loans is treated with the highest level of confidentiality and is protected through strict security practices, as detailed in our Privacy Policy.

We never sell your personal information to unrelated third parties. Information is shared only with trusted partners who help us deliver our services effectively, such as lending partners, verification agencies, and customer support providers.

11. Intellectual Property

All content, logos, trademarks, designs, software, and materials available on the Gowth Loans platform are the property of Gowth Loans or its parent organization, Oshudhi Products. Customers may use the platform for personal loan-related purposes only and must not copy, reproduce, modify, or distribute any content without prior written permission.

12. Updates to Terms & Conditions

Gowth Loans may update these Terms & Conditions from time to time to reflect improvements in our services, customer experience enhancements, or operational requirements. Any updates will be published on our website and will apply from the date of publication.

We encourage customers to review these Terms periodically to stay informed.

13. Contact Us

For any queries, support, or assistance, our team is always available to help.

Gowth Loans
A Lending Aggregator powered by Oshudhi Products

Registered Office:
Second Floor, C-92,
Tagore Garden,
New Delhi – 110027

Website: https://gowthloans.in
Email: help@gowthloans.in
Phone: +91 7678546990