Bhardwaj Financial Services charges ZERO upfront facilitation or brokerage fees from borrowers for Home Loans, LAP, and Balance Transfers. All consultation, document collection, and partner bank liaison is provided free of charge.
1. Partner Bank Processing Fees
Lending Banks and Housing Finance Companies (HFCs) may levy statutory processing fees, technical evaluation charges, or property legal search fees as per their institutional tariff schedule.
- All legitimate bank processing fees are paid directly to the lending bank or HFC through official payment links, demand drafts, or direct account debit.
- Refund policies for bank-levied evaluation or administrative fees are governed solely by the respective lender's terms and conditions. BFS does not collect or hold these funds.
2. Application Cancellation by Applicant
Borrowers have the complete right to cancel or withdraw their loan application at any stage before loan agreement execution or disbursement without any cancellation penalty from Bhardwaj Financial Services.
To cancel an active application or request data deletion, simply send an email with your application reference ID to grievance@bfsfin.com.
3. Grievance & Fee Disputes
If any representative or unauthorized individual claiming affiliation with BFS demands advance cash fees, immediately notify our Nodal Grievance Officer:
Nodal Officer: Praveen Bhardwaj (Grievance & Compliance)
Email: grievance@bfsfin.com
Address: C-11, Cloth Market, Sanjay Place, Agra, Uttar Pradesh - 282002
Phone: +91 9258-724-227