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.
By using capital.astrosia.in, submitting an eligibility form, or contacting us on WhatsApp, you agree to these Terms of Service.
Astrosia Capital (capital.astrosia.in) is a proprietary brand, web domain and operational division of ASTROSIA, a registered sole proprietorship entity owned and managed entirely by Debarun Acharya. 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 including Andromeda Sales & Distribution Pvt. Ltd. (Andromeda affiliate code: WESCO35191398) and Paisabazaar Marketing and Consulting Pvt. Ltd. (Paisabazaar affiliate code: PB871210396090).
Site design and related digital delivery may be provided by Astrosia Technologies (astrosia.com). Optional group services (Corporex, PromoteIt.in, Astrosia.com IT/automation) are separate commercial engagements and are not a condition of loan sanction.
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.
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:
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.
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.
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.
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.
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.
When and how Astrosia Capital may charge for loan processing facilitation and advisory work.
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 |
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 |
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.
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.
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.
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.
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.
How we handle data from the website forms and WhatsApp eligibility channel.
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.
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), managed by ASTROSIA group entities or partners. 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.
Home, personal, LAP, business and more. Service fees (if any) are disclosed separately. See Fees.
Your eligibility is being mapped across our 140+ partner banks and NBFCs.
The options below are optional and have zero bearing on primary credit underwriting or loan sanction decisions.
While your file is processed, you may optionally explore:
Loan data is not shared with these properties unless you open them yourself. Cross-sell disclosure.