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By engaging with Sanction | Loan & Credit Advisory — whether online, via phone, or at our Indore office — you acknowledge that Sanction functions exclusively as a private debt advisory and structured lending facilitation firm. Sanction represents your interests as a borrower. We are not a bank, NBFC, deposit-taking institution, or insurance intermediary. We do not issue credit directly. All loan sanctioned amounts, interest rate spreads, processing fee terms, and repayment conditions are determined solely by the lending institution upon formal credit underwriting.
Applicants engaging Sanction's advisory services commit to providing genuine, unaltered, and complete financial documentation — including but not limited to Income Tax Returns (ITR-2, ITR-3, ITR-4), GST filings, bank statements, salary slips, Form 16, audited balance sheets, and property title records. Submission of falsified, manipulated, or artificially inflated financial records constitutes immediate grounds for termination of advisory engagement. Sanction reserves the right to report suspected document fraud to the relevant statutory and regulatory authorities including RBI and SEBI where applicable.
Sanction charges ₹0 in consultation retainers, file assessment fees, or application processing markups from borrowers at any stage of the advisory engagement. Our remuneration is received directly from empaneled banking and NBFC partners upon successful loan disbursal as an authorized channel advisor. Any statutory third-party disbursements during the loan process — such as bank processing fees, legal advocate title search charges, CERSAI registration, property technical valuation fees, MODT stamp duty, and government registration charges — are payable directly to the respective institution and not to Sanction.
Sanction performs only soft internal pre-assessments during eligibility evaluation. A formal hard CIBIL bureau inquiry is triggered exclusively after you review, accept, and provide written authorization for submission to a specific lending institution. Sanction will never initiate hard credit bureau pulls across multiple lenders simultaneously without your explicit prior approval, as this practice damages your CIBIL score — a problem we exist to prevent.
Before executing any loan agreement, you have the right — and we strongly encourage you — to request a line-by-line review of the lender's official RBI Key Facts Statement (KFS). This document discloses your true Annual Percentage Rate (APR), net disbursed amount, total repayment obligation, foreclosure terms, and penal charges. Sanction's advisory desk will assist you in interpreting and validating the KFS at no additional charge.
All original content on sanction.co.in — including loan comparison frameworks, FOIR calculators, advisory guides, debt structuring methodologies, visual interfaces, and brand identity elements — is the exclusive intellectual property of Sanction | Loan & Credit Advisory. Unauthorized reproduction, scraping, redistribution, or commercial use of any content from this website without written consent is strictly prohibited and may attract legal action under applicable intellectual property laws of India.
These advisory terms are governed by the laws of the Republic of India. Any dispute, disagreement, or claim arising from your engagement with Sanction shall be first attempted to be resolved through direct written communication with our Indore compliance desk within 30 calendar days. If unresolved, such disputes shall be subject to the exclusive jurisdiction of the competent civil courts in Indore, Madhya Pradesh, India.
