Terms, Fees & Regulatory Compliance

Operating boundaries, commercial terms and RBI-aligned disclosures for borrowers, partners and reviewers. Astrosia Capital is a Digital Selling Partner (DSP) and referral sub-agent, not an NBFC or direct lender.

I. Terms of Service

By using capital.astrosia.in, submitting an eligibility form, or contacting us on WhatsApp, you agree to these Terms of Service.

Corporate disclosure & distribution partners

Astrosia Capital (capital.astrosia.in) is part of ASTROSIA. It operates as a digital distribution partner and referral sub-agent for credit products. It is not an NBFC, microfinance institution or direct lender. Credit evaluation, underwriting, sanctioning and disbursement are done only by RBI-regulated banks and NBFCs through master corporate DSAs, including Andromeda Sales & Distribution Pvt. Ltd. (Andromeda affiliate code: WESCO35191398) and Paisabazaar Marketing and Consulting Pvt. Ltd. (Paisabazaar affiliate code: PB871210396090).

1. Nature of service & entity structure

Astrosia Capital (capital.astrosia.in) is a proprietary brand, web domain and operational division of ASTROSIA, a registered sole proprietorship. We act as a digital distribution partner, referral sub-agent and, where separately agreed, as an advisory facilitator for credit and growth-related support. We are not a bank, NBFC, HFC or lender. Loan sanction, pricing, KFS, agreement and disbursement are solely the responsibility of the RBI-regulated entity that extends the facility, through contractually empanelled master corporate DSAs as disclosed under Corporate disclosure & distribution partners above.

ASTROSIA (sole proprietorship) is a distinct legal entity from Astrosia Technologies LLP. Astrosia Technologies LLP is a separate limited liability partnership that forms part of the broader Astrosia Group ecosystem (alongside brands and service lines such as PromoteIt, Corporex and related digital properties). References on this site to Astrosia Technologies, astrosia.com, or group IT / automation / CRM services relate to that LLP or other group entities — not to the ASTROSIA proprietorship that operates Astrosia Capital — unless a dedicated written engagement says otherwise.

Site design and related digital delivery may be provided by Astrosia Technologies LLP (astrosia.com). Optional group services (Corporex, PromoteIt.in, Astrosia Technologies LLP IT/automation) are separate commercial engagements and are not a condition of loan sanction.

2. Eligibility requests

Information you submit is used to assess product fit and to route enquiries through authorised partner systems. Submission does not guarantee sanction, rate, tenure or disbursement. Lenders may request additional KYC, income, property or business documents.

3. Service fees (summary)

In certain cases Astrosia Capital may charge professional, processing-facilitation or advisory fees for work we perform on your file. Fees are more fully described under Fees & Charges. In brief:

Fees may apply for loan processing facilitation, structured credit support or capital advisory.
In many cases the fee is payable after loan approval / sanction (success-linked).
For some loan types or mandates, an upfront engagement or facilitation fee may apply, disclosed before you proceed.
Any fee is separate from the lender's own processing charges, interest, insurance or other costs shown in the lender's Key Fact Statement.

4. No forced bundling

Optional group services (Corporex, PromoteIt, Astrosia.com) are never pre-ticked on the loan form. They require separate, unbundled opt-in. Declining them does not reduce your chance of loan sanction by partner lenders. See Cross-Sell Disclosure.

5. User obligations

You confirm that information provided is true and complete to the best of your knowledge, that you are authorised to share it, and that you will not use this site for unlawful purposes. Misrepresentation may lead to rejection by lenders and termination of our engagement.

6. Limitation of liability

To the fullest extent permitted by law, Astrosia / Astrosia Capital is not liable for lender decisions, delays in underwriting, changes in product terms, or losses arising from third-party platforms. Our liability for paid advisory or facilitation services, if any, is limited to the fees actually paid by you to us for that engagement.

7. Governing law

These terms are governed by the laws of India. Courts at the jurisdiction where the sole proprietorship is administered shall have exclusive jurisdiction, subject to mandatory consumer protections.

8. Changes

We may update these Terms and the Fees section on this page. Continued use of the site after changes constitutes acceptance of the updated terms for new engagements.

II. Fees & Charges

When and how Astrosia Capital may charge for loan processing facilitation and advisory work.

Fee principle

We may charge a professional / facilitation / advisory fee in certain cases. The amount, timing and basis are disclosed to you in writing (email, WhatsApp or engagement note) before you accept that commercial term. Paying or not paying our fee does not replace the lender's own charges, and lender underwriting remains independent.

Fee type	When it typically applies	Typical timing	Notes
Success / post-approval facilitation fee	Many retail and MSME files where we actively manage bank matching and documentation support through sanction	After loan approval / sanction (or as agreed on first disbursement)	Quoted as a fixed amount or percentage of sanctioned / disbursed amount, case by case
Upfront engagement fee	Certain loan types or complex mandates (for example large LAP, structured business credit, multi-lender coordination, or dedicated advisory retainers)	Upfront or staged, before full processing begins	Charged only after you accept a written fee quote; may be adjusted against a later success fee if agreed
Capital / balance-sheet advisory	Optional strategic capital work (pitch prep, structure consulting, equity readiness)	As per separate advisory agreement (retainer, milestone or fixed)	Independent of loan sanction; not a lender fee
Lender / bank / NBFC charges	Always as per the product you choose	As stated in the lender's KFS and loan agreement	Paid to the RBI-regulated entity; Astrosia Capital is not the lender

No fee is legally binding on you until you accept it in writing for that engagement.
We do not hide our fee inside the bank's interest rate; our commercial terms are separate.
Where a product is pure referral with no facilitation mandate, we may charge nothing to the applicant and earn only from partner arrangements, if any.
Refunds of upfront fees, if any, are only as stated in the written engagement note for that case.

III. Structured Credit Offering Matrix

Product variants distributed under the portfolio and the channel responsible for fulfilment.

Product Variant	Target Segments	Primary Fulfillment Channel	Statutory Delivery Framework
Home Loans	Salaried and self-employed home buyers, plot plus construction, balance transfer cases	Housing finance via empanelled banks and HFCs	Sanction and disbursal by the lender after property and income checks
Personal Loans	Salaried employees, professionals, eligible self-employed applicants	Unsecured personal credit via bank / NBFC panels	Digital or branch KYC and underwriting by the lender
Loan Against Property (LAP)	Residential and commercial property owners seeking secured credit	Asset-backed credit lines via master DSA partnerships	Valuation and legal checks executed by the primary lender
MSME & Business Loans	Registered micro and small enterprises, GST retailers, sole proprietors	Term loans and working capital via empanelled banks / NBFCs	Direct-to-account disbursal as per RBI outsourcing directives
Vehicle & Education Loans	Vehicle buyers; students and co-applicants for domestic or overseas study	Auto and education finance pipelines of partner institutions	Product rules, margins and tenure set by the lending bank / NBFC
Credit Cards	Salaried executives and other bank-eligible card applicants	Digital and assisted issuance through corporate partner channels	Paperless or assisted KYC verification through master networks

IV. RBI Regulatory Compliance & Sourcing Architecture

Alignment with RBI fair practice and digital lending expectations. Circular references below are cited for transparency of operating posture; Astrosia Capital is not itself an RBI-regulated lender.

RBI circulars referenced (vide)

RBI/2022-23/111 DOR.CRE.REC.66/21.07.001/2022-23 dated 02 September 2022 Guidelines on Digital Lending
RBI directions dated 24 June 2020 on Loans Sourced by Banks and NBFCs over Digital Lending Platforms: Adherence to Fair Practices Code and Outsourcing Guidelines
Extant RBI framework on Managing Risks and Code of Conduct in Outsourcing of Financial Services by banks / NBFCs (as applicable to regulated entities and their LSPs)
Subsequent RBI consolidations on digital lending (including later Directions where they supersede or restate the above), as applicable to regulated entities and their partners

Under these frameworks, regulated entities remain responsible for conduct of outsourced digital lending arrangements. Astrosia Capital does not replace the RE; we operate as a referral / distribution layer through empanelled master DSAs.

Tier 01

Fund Flow Direct Integrity

Astrosia Capital never handles, collects, intercepts or pools customer loan funds. Principal, EMI and the lender's own processing charges move between the borrower and the RBI-regulated entity. No third-party escrow or pass-through loan pools are used by us.

Tier 02

Key Fact Statement Transparency

Loan options sourced through partner pipelines are expected to provide a Key Fact Statement (KFS) covering APR, processing charges, tenor and penalty terms before contract execution with the lender.

Tier 03

Disclosed Commercial Terms

Any facilitation or advisory fee payable to Astrosia Capital is disclosed separately and in writing. It is not a substitute for the lender's charges. Timing may be post-approval or, for certain loan types, upfront. See Fees & Charges.

V. Data Privacy & Digital Sourcing Log DPDP Act

How we handle data from the website forms and WhatsApp eligibility channel.

Data Minimization & Governance Pledge

Under the Digital Personal Data Protection (DPDP) framework, data collected via capital.astrosia.in forms or Click-to-WhatsApp is taken only with explicit, one-time user consent.

Data is used only for loan eligibility validation, matching and related service engagement you accept.
Information is shared with contractually authorized partner systems (OneAndro / PB Connect) for credit fulfilment.
No contact scraping, background file access or continuous tracking scripts are used on this site.
Data is held in an isolated store and purged according to retention practice.

VI. Cross-Sell & Ecosystem Disclosure

Rules for optional secondary products shown on this site.

Cross-Sell & Ecosystem Disclosure: Astrosia Capital may showcase complementary group services such as distribution and enterprise growth support (Corporex / promoteit.in/corporex), marketing, growth and digital sales (PromoteIt.in), and IT, automation, AI, CRM and billing solutions (Astrosia.com / Astrosia Technologies LLP), operated by distinct Astrosia Group entities or partners — which are separate from the ASTROSIA sole proprietorship that runs Astrosia Capital. All such services are entirely optional, require explicit unbundled user opt-in, and have zero bearing on the primary credit underwriting or loan sanctioning decisions of our empanelled lenders.

No pre-ticked boxes for group services on the primary loan form.
Loan application data is not automatically forwarded to Corporex, PromoteIt or Astrosia.com.
Each service interest requires a separate, manual action by the user.
Declining these services does not reduce loan approval chances with partner lenders.

VII. Partner Terms

Baseline terms for Master DSAs, Sub DSAs, banks / NBFCs, lenders, introducers, vendors and other parties who enquire via Partner With Us. These terms apply to website enquiries and preliminary discussions. Binding commercials arise only under a signed dedicated agreement.

1. Nature of partnership discussions

Submitting a partnership enquiry, exchanging emails, or attending a screening call does not create a partnership, agency, employment, joint venture, franchise, exclusivity, or payment obligation. Astrosia Capital / ASTROSIA remains a digital distribution and referral brand under a sole proprietorship and is not an NBFC, bank, HFC or lender. Credit sanction and disbursement remain solely with RBI-regulated entities through empanelled master DSAs.

2. Eligibility & compliance of partners

Prospective partners represent that they will conduct activities only as permitted under applicable Indian law, including any licences, registrations, empanelements or professional authorisations required for their own role (for example DSA / DSA sub-agent frameworks, where applicable). Partners must not mis-sell credit, solicit unlawfully, or represent themselves as Astrosia Capital, ASTROSIA, Astrosia Technologies LLP, or any lender without written authority.

3. Illustrative commercials are non-binding

Percentage ranges or commercial examples published on the Partner With Us page (including upstream, downstream or affiliate ranges) are indicative discussion parameters only. They are not an offer, quotation, promise of earnings, or entitlement. Actual revenue definitions, milestones, clawbacks, GST / TDS, offsets and settlement cycles are fixed exclusively in a written partnership or referral agreement signed by authorised parties.

4. Dedicated agreements control

If both sides proceed, onboarding, KYC (as applicable), data-protection clauses, non-solicitation (if any), confidentiality, payment triggers, termination and dispute resolution will be set out in a dedicated agreement. In case of conflict between this Partner Terms section, website copy, or marketing materials and a signed agreement, the signed agreement prevails for that engagement.

5. Customer data & privacy

Partners must obtain lawful consent before sharing personal data of end-customers or prospects with Astrosia Capital, and must not transfer data onwards to Astrosia Group ecosystem brands (including Astrosia Technologies LLP, PromoteIt or Corporex) unless separately authorised by the data principal and permitted by contract. Processing of partnership-enquiry data is described under Data Privacy.

6. No forced bundling; ecosystem referrals optional

Referral of clients into Astrosia Group IT, CRM, automation, marketing or distribution products is optional and unbundled from loan sanction. Partners must not condition a borrower's credit application on uptake of those services. See Cross-Sell & Ecosystem Disclosure.

7. Rejection, suspension & unlawful conduct

We may decline, suspend or terminate partnership discussions or live arrangements (subject to the signed agreement, if any) where we reasonably believe there is misrepresentation, fraud, regulatory conflict, lender / master-DSA prohibition, data misuse, or material breach of these Partner Terms or the dedicated agreement.

8. Entity clarification

Partnerships discussed under Astrosia Capital are with ASTROSIA (sole proprietorship) or such contracting party as named in the dedicated agreement. Astrosia Technologies LLP is a separate legal entity within the broader Astrosia Group ecosystem and is not automatically a party to Capital partnership arrangements unless expressly named in writing.

9. Governing framework

These Partner Terms are read together with our Terms of Service. Nothing here limits mandatory consumer or regulatory protections that cannot be waived by contract. For partnership enquiries, use Partner With Us — Apply.