Last Updated: October 2026
1. Introduction
Welcome to Ganesh Siddhi Capital. We provide financial consultancy and assistance to individuals and businesses seeking suitable loan options. By using our website or services, you agree to the following Terms & Conditions.
2. Nature of Our Services
Ganesh Siddhi Capital provides consultancy and assistance related to loan applications, documentation, eligibility assessment, and file processing. We help customers understand the application procedure and explore suitable financing options through relevant banks and financial institutions.
We act as a consultancy service provider and do not guarantee loan approval or sanction.
3. Consultancy Charges and Service Fees
Ganesh Siddhi Capital may charge consultancy fees or service charges for the assistance provided, depending on the type of loan and services required.
- Applicable charges will be communicated to the customer before the service begins.
- Customers should clarify the scope of services and applicable fees before making payment.
- Any additional charges, if applicable, will be communicated separately.
- Lender charges, processing fees, stamp duty, legal fees, valuation fees, or other third-party expenses may apply separately, subject to the lender’s terms.
- Refunds, if applicable, will be governed by the agreed service terms and applicable law.
Customers are advised to obtain a receipt for any payment made to Ganesh Siddhi Capital.
4. Required Documents
The documents required depend on the loan type, applicant’s profile, and lender’s policies. Commonly requested documents may include:
- PAN Card and Aadhaar Card or other accepted identity proof.
- Address proof.
- Bank statements.
- Salary slips and employment proof for salaried applicants.
- Income Tax Returns (ITR), financial statements, and business proof for self-employed applicants.
- Business registration, GST details, or other business documents, where applicable.
- Property documents or other collateral documents, if required.
- Photographs and duly completed application forms.
The lender may request additional documents during verification.
5. Loan Application and File Processing
Our team may assist customers in understanding eligibility requirements, arranging documents, completing application forms, and submitting loan files to the relevant financial institution through the applicable process.
Customers must provide accurate, complete, and genuine information. Any false information, forged documents, or material discrepancies may result in rejection or delays.
Submission of an application does not constitute approval or a commitment to provide a loan.
6. Loan Approval and Eligibility
All loan approvals are subject to the lender’s independent assessment, including income, credit history, repayment capacity, documentation, eligibility criteria, and internal policies.
Ganesh Siddhi Capital does not guarantee loan approval, a specific interest rate, a particular loan amount, or a fixed approval timeline.
7. Processing Time and Delays
Loan processing timelines depend on the lender, the completeness of the documents, verification requirements, credit assessment, and other relevant factors.
Delays may occur because of incomplete documentation, additional verification, technical issues, lender policies, or circumstances beyond our control. We will provide reasonable assistance and updates where available, but we cannot guarantee approval or disbursement by a specific date.
8. Customer Responsibilities
Customers are responsible for:
- Providing accurate and up-to-date information.
- Submitting genuine documents.
- Reviewing application forms before signing.
- Reading the lender’s sanction letter, interest rate, fees, repayment schedule, and other loan terms.
- Making loan repayments directly to the lender according to the agreed schedule.
Customers should never share OTPs, PINs, passwords, or banking credentials with unauthorized persons.
9. Privacy and Confidentiality
Customer information and documents will be handled with reasonable care and used for consultancy, application assistance, and related purposes, subject to applicable law and our Privacy Policy. Information may be shared with relevant lenders or service providers where necessary and legally permitted, including with appropriate customer consent.
10. Limitation of Liability
Ganesh Siddhi Capital will make reasonable efforts to provide accurate guidance and assistance. However, we are not responsible for a lender’s final decision, changes in lender policies, or delays caused by third parties. Nothing in these Terms excludes any liability that cannot legally be excluded.
11. Changes to Terms
Ganesh Siddhi Capital reserves the right to update these Terms & Conditions when required. Updated terms will be published on this website with the revised date.
12. Contact Us
For questions regarding our consultancy services, charges, documentation, or loan application assistance, please contact Ganesh Siddhi Capital through the contact details provided on our website.
Click- Contact Us
By using our services, you acknowledge that you have read and understood these Terms & Conditions.