Responsible lending

Borrow only what you can repay.

Our intended customer journey is designed around transparency, informed consent, affordability, and respectful servicing.

Informed choice

At launch, the regulated lender must disclose its identity, KFS, agreement, rate, APR, charges, total repayment, and due date before acceptance.

Appropriate assessment

Eligibility is subject to lender policy, repayment capacity, verification, and applicable bureau consent.

Respectful servicing

Reminders and collection support should be lawful, proportionate, clearly recorded, and never coercive.

Data responsibility

Access to personal information should be purpose-specific, consent-led, limited, and appropriately protected.

Customer support

The planned journey will let customers ask questions, report problems, and access both jebSathi and lender grievance routes.

Borrower responsibility

Borrow only for a genuine need and only when the repayment can be made comfortably by the due date.