SEHGAL TELEVISIONS PRIVATE LIMITED

Brand: JUST RUPEE

1. Purpose

This Policy sets out the principles for determining and applying interest rates and other charges on loans offered by the Company in a fair, transparent, and non-discriminatory manner in accordance with the guidelines issued by the Reserve Bank of India (RBI).

2. Scope

This Policy applies to all short-term personal loans offered under the JUST RUPEE brand.

3. Guiding Principles

Interest rates and charges shall be transparent, risk-aware, consistently applied, and disclosed to customers before loan disbursement.

4. Interest Rate

The Company offers fixed-rate short-term personal loans ranging from ₹2,000 to ₹30,000 with a tenure of upto 3 months. Interest shall be charged at a fixed rate of 1% per day on the outstanding principal for the approved tenure.

5. Processing Fee

A processing fee of up to 15% of the sanctioned loan amount may be charged. Applicable taxes shall be levied as per applicable law. The exact fee shall be disclosed in the Key Fact Statement (KFS) and the Loan Agreement.

6. Disclosure

Customers shall receive the Key Fact Statement (KFS), Loan Agreement, repayment schedule, applicable charges, and total borrowing cost before acceptance of the loan.

7. Review

The Company may review interest rates and charges based on market conditions, cost of funds, regulatory changes, and business requirements. Any revision shall be implemented in accordance with applicable law and customer communication requirements.

8. Policy Review

This Policy shall be reviewed periodically to ensure continued compliance with the applicable guidelines and directions issued by the Reserve Bank of India (RBI).