Terms & Conditions

Last Updated: September 16, 2026

Welcome to banking2day.com. By accessing or using our platform, mobile site, or services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before submitting your application.

1. Platform Service Overview

Banking2Day functions as a digital loan facilitator and market aggregator. We connect loan seekers with RBI-registered Banks and Non-Banking Financial Companies (NBFCs). Banking2Day is not a bank or direct lender, and does not disburse loan principal directly from its own balance sheet.

2. Loan Terms, Interest Rates & APR

• Interest Rates: Annual interest rates range from 10.49% to 36% p.a., depending on credit scoring, income, and lender evaluation.
• Repayment Tenure: Minimum repayment period is 3 months; maximum repayment period is 72 months (6 years).
• Processing Fees: Partner lenders may charge a one-time processing fee (typically 1% to 3% plus GST), which is deducted at the time of loan disbursal. No upfront payment is charged by Banking2Day.

3. User Consent & Verification

By submitting your details and OTP on our platform, you authorize Banking2Day and its lending partners to retrieve your credit score from credit bureaus (CIBIL, Experian, Equifax) and verify your KYC credentials in accordance with RBI guidelines.

4. Limitation of Liability

Final loan sanctioning, interest rate determination, and disbursal timelines are governed by individual partner lenders. Banking2Day shall not be liable for any loan rejection or variations in interest rates offered by lending partners.

5. Contact Information

For inquiries or disputes regarding these Terms, contact us at:

✉️ Email: legal@banking2day.com
📞 Customer Helpline: 1800-123-4567