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Finbros Finance is committed to full compliance with the Reserve Bank of India's Digital Lending Directions, 2025. This page outlines our policies, disclosures, and your rights as a borrower.

Finbros Finance (finbrosfinance.com) operates as a Lending Service Provider (LSP) registered under RBI Digital Lending Directions, 2025. We partner with RBI-regulated banks and NBFCs to help borrowers discover and apply for suitable loan products.

We do not disburse loans directly. All loan sanction, disbursement, and repayment happens directly between the borrower and the Regulated Entity (RE).

1. About Finbros Finance (LSP Disclosure)

Finbros Finance is a Lending Service Provider (LSP) — a technology platform that facilitates digital lending by connecting borrowers with RBI-regulated banks and NBFCs (Regulated Entities / REs).

  • Company Name: Finbros Capital Advisory Pvt Ltd.

  • Brand Name: Finbros Finance

  • Website: https://finbrosfinance.com

  • Email: care@finbros.com

  • Address: 901, 9th Floor, Dev Corpora, Eastern Express Hwy, opp. Cadbury Junction, Thane West, Thane, Maharashtra 400601

  • Finbros does not lend money

  • Finbros does not hold borrower funds

  • Finbros does not charge any fees to borrowers

  • All loan processing, underwriting, disbursal, and repayment is handled exclusively by the partnered RE

2. Key Fact Statement (KFS)

As mandated under RBI's Digital Lending Directions, 2025 (Para 8), every borrower must receive a Key Fact Statement (KFS) before executing any loan contract.

The KFS includes:

  • Loan amount to be disbursed

  • Annual Percentage Rate (APR) — all-inclusive cost of the loan

  • Repayment schedule and EMI amount

  • Processing fees and other charges

  • Penal charges on overdue instalments

  • Cooling-off / look-up period details

  • Foreclosure and pre-payment charges

  • Recovery mechanism

  • Details of the Grievance Redressal Officer

The KFS is digitally signed and automatically sent to the borrower's registered email/SMS upon execution of the loan contract.

Any charges not mentioned in the KFS cannot be levied on the borrower at any stage during the loan tenure.

3. Annual Percentage Rate (APR) Disclosure

The APR represents the true, all-inclusive annual cost of borrowing and is disclosed prominently in the KFS before the borrower accepts any loan offer.

The APR includes:

  • Rate of interest (on reducing balance basis)

  • Processing and documentation fees

  • Insurance charges (if part of the loan product)

  • Any other mandatory charges included in the loan

For variable rate loans, the APR shown is as of the date of loan origination and is updated each time the applicable rate changes.

No hidden charges are permitted beyond those disclosed in the KFS.

4. Loan Disbursal, Servicing & Repayment

  • All loan disbursals are made directly into the borrower's bank account by the RE

  • Finbros Finance does not receive or hold any loan funds at any point

  • All repayments (EMIs) are made directly to the RE's bank account via NACH/auto-debit mandate

  • Finbros Finance has no control over the flow of funds between the borrower and the RE

  • Fees payable to Finbros as an LSP are paid exclusively by the RE and are never charged to the borrower

5. Cooling-Off / Look-Up Period

As per RBI Digital Lending Directions, 2025 (Para 10), every borrower is entitled to a cooling-off period during which they may exit the loan without penalty.

  • Minimum cooling-off period: 1 day (as per updated 2025 Directions)

  • Borrower may repay principal and proportionate APR

  • A reasonable one-time processing fee (as disclosed in the KFS) may be retained by the RE

  • No additional penalty is levied for exercising the cooling-off option

6. Data Privacy & Consent

Finbros Finance is committed to protecting your personal and financial data in accordance with the DPDP Act, 2023 and RBI guidelines.

  • Only need-based data is collected with explicit consent

  • Borrowers may withdraw consent anytime

  • No sensitive data collected without valid reason

  • Data stored in India

  • Any temporary processing outside India is deleted within 24 hours

  • Data shared only with partnered RE

  • Finbros does not sell or rent borrower data

Privacy Policy: https://finbrosfinance.com/privacy-policy

7. Data Purging Policy

All customer data collected for HDFC Bank will be permanently purged within 15 days once the journey is completed or terminated.

No data is retained beyond this unless required by law.

8. Borrower Rights & Protections

  • Right to receive KFS before loan execution

  • Right to cooling-off period

  • Right to withdraw consent and erase data

  • Right to be informed of recovery agents

  • Right to unbiased loan offers

  • Right to file complaints

  • Right to escalate complaints to RBI CMS after 30 days

  • Credit limit can only be increased with explicit consent

9. Fair & Transparent Loan Offer Presentation

As per RBI guidelines:

  • All loan offers are displayed neutrally

  • Each offer includes RE name, loan amount, tenure, APR, EMI, charges

  • No dark patterns or misleading UI

  • Ranking methodology is transparent

  • No incentive bias toward any lender

10. Our Lending Partners

Finbros Finance partners with:

  • HDFC Bank

  • ICICI Bank

  • Kotak Bank

  • L&T Finance

  • Aditya Birla Finance (ABFL)

  • Tata Capital

  • IndusInd Bank

  • IDFC First Bank

  • FIBE

REs are solely responsible for loan sanction, disbursal, and repayment.

11. Grievance Officer

For complaints and data-related concerns:

  • Name: Rekha Bhandari

  • Address: Finbros Capital Advisory Pvt Ltd., Thane West, Maharashtra

  • Phone: +91 99719 79310

  • Email: grievance@finbros.com

Complaints are resolved as per DPDP Act and RBI guidelines.

Escalation Channels

  • RBI Sachet Portal: https://sachet.rbi.org.in

  • RBI CMS: https://cms.rbi.org.in

  • HDFC Bank Grievance Portal: https://www.hdfcbank.com

12. Regulatory Compliance References

  • RBI Digital Lending Directions, 2025

  • RBI Guidelines (2022)

  • KFS Circular (April 2024)

  • DPDP Act, 2023

  • RBI Ombudsman Scheme

  • IT Act, 2000

  • Banking Regulation Act, 1949

13. Important Links

  • RBI Sachet Portal: https://sachet.rbi.org.in

  • RBI CMS: https://cms.rbi.org.in

  • HDFC Bank Tools: https://www.hdfcbank.com

Last updated: March 2026

Disclaimer:

Finbros Finance acts solely as a Lending Service Provider (LSP). Loan approval, disbursal, interest rates, fees, and repayment terms are determined exclusively by the partnered Regulated Entity (RE).

For queries: care@finbros.com