Legal Disclaimer & Terms of Disclosure

Bhardwaj Financial Services (hereinafter referred to as "BFS", "we", "us", or "the Platform"), having its principal corporate office at Block-C11, Shop No.-5, First Floor, near MK Tailor, Sanjay Palace, Agra, Uttar Pradesh - 282002, operates exclusively as an authorized Direct Selling Agent (DSA), loan distribution partner, corporate facilitator, and multi-lender aggregator.

BFS is not a Non-Banking Financial Company (NBFC), Bank, or primary underwriting credit institution as defined under the Reserve Bank of India (RBI) Act, 1934. We do not independently sanction, underwrite, lend, or disburse funds from our balance sheet. We bridge the gap between retail borrowers and our authorized lending banking partners.

• Final Sanction Authority: All credit evaluations, eligibility assessments, document verifications (KYC, property legal vetting, technical evaluation), and final loan sanction decisions rest solely at the discretion of the partner Bank or NBFC chosen by the applicant.
• Interest Rates & Terms: Rates of Interest (ROI), whether fixed or floating, loan tenures, processing fees, loan-to-value (LTV) ratios, and loan amounts are determined exclusively by the lender based on the applicant's credit score (CIBIL/Experian), income verification, and internal risk matrix.
• No Guarantee of Approval: Submitting an application on this portal or through a BFS representative does not guarantee sanction or disbursal. BFS accepts no liability for loan rejection, delayed processing, or reduction in sanction amount caused by bank appraisal norms.

All calculators available on this website — including the Home Loan EMI Calculator, Loan Eligibility Checker, Balance Transfer Savings Estimator, Prepayment Impact Tool, and Stamp Duty Calculator — are programmed for general estimation and illustrative purposes only.

The results generated do not constitute an official loan quotation or sanction letter. Actual EMI amounts, amortization schedules, and charges may vary depending on the lender's compounding cycle, odd-days interest calculations, and benchmark repo rate adjustments.

Insurance Products: Insurance is the subject matter of solicitation. BFS acts as a referral/distribution partner for IRDAI-licensed general and life insurance companies. Any policy issued is an agreement solely between the insured policyholder and the underwriting insurance company. All claims, coverage disputes, and settlements are subject to policy terms and conditions.

Credit Cards: Credit cards displayed on the website are issued by the respective banking institutions (e.g. HDFC Bank, SBI Card, ICICI Bank, Axis Bank). Joining fees, annual renewal charges, reward structures, interest-free credit cycles, and credit limit sanctioning are governed strictly by the issuing bank's cardholder agreement.

By submitting your personal details (Name, Contact Number, Email Address, PAN/Aadhaar information, or Loan Requirement) on this website, you expressly authorize Bhardwaj Financial Services and its authorized representatives to contact you via Phone Call, SMS, WhatsApp, and Email to assist you with your application, share sanction updates, and communicate relevant financial offers.

This consent overrides any National Customer Preference Register (NCPR) or Do Not Disturb (DND) registration on your mobile number in respect of transactional and advisory updates concerning your submitted request.