Frequently Asked Questions

No. Arthya is a loan marketplace — we help you discover and submit inquiries to RBI-registered NBFCs and banks. We do not issue loans, approve applications, or disburse funds. Every loan decision is made by the lender you select.

It depends entirely on the lender and your eligibility. Different lenders on our platform offer different amounts — typically between INR 10,000 and INR 5,00,000 for personal loans. The actual amount you receive (if any) is decided by the lender based on your profile and their credit policy. Arthya neither sets nor guarantees the amount.

No. We do not pull a credit report or credit score when you browse lender options or submit an inquiry through us. There is no soft pull, hard pull, or any other CIBIL / credit-bureau interaction triggered by Arthya. A credit pull may happen later if and when a Lender Partner you applied to decides to assess your application — that pull is initiated by the lender, not by us, and they will disclose it as part of their own process.

No. Arthya is completely free for users. We do not charge any sign-up fee, inquiry fee, processing fee, or membership fee. We may earn a referral commission from Lender Partners if a loan you applied for is disbursed — this is paid by the lender and does not affect your loan terms.

The information you provide (mobile number, optional name and email, loan preferences) is used to:

1. Create and authenticate your account
2. Share with the specific lender you select when you submit an inquiry
3. Provide customer support if you contact us

We do not sell, broker, or share your data with anyone outside the Lender Partner you selected. See our Privacy Policy for the full details.

No. We do not request SMS read permission, contacts access, call log access, or gallery access. The relevant code does not exist in our app, and the permissions are never even requested from the Android operating system. This is one of our core product principles.

Yes, at any time. In the app, go to Settings > Delete account. We immediately anonymize your personal information (mobile, name, email) and schedule complete deletion of the record after 30 days. The 30-day window is a legal-hold buffer in case of any in-flight regulatory requirement.

Note: any loan application you already submitted to a Lender Partner is not retracted from the lender. To withdraw it, contact the lender directly.

Anonymized records of your loan applications are retained per RBI guidelines for digital lending intermediaries (typically 2–3 years from last activity). After this period they are hard-deleted. Your personal information is removed from these records when you delete your account.

The lender you selected receives your inquiry. From that point onward:

• You will see the status update in the Applications tab inside the app: Submitted → Viewed → In Review → Contacted.
• The lender will typically reach out to you within 1–3 business days, by phone, SMS, or email, using the contact details you provided.
• If they decide to proceed, they will guide you through their KYC, documentation, and disbursement process. This conversation happens directly between you and the lender — Arthya is not part of it.

Lenders update statuses at their own pace. Most updates happen within 24–72 hours. If your status has not changed after a week, you can:

• Contact us via the in-app Support form so we can follow up with the lender
• Submit a fresh inquiry to a different lender on our platform

If you submitted a loan preference and saw a thin or empty list of lenders, it might be because:

• The amount you requested is outside the range our current Lender Partners support
• The income range or city you selected does not match any partner's published eligibility criteria
• We are temporarily between onboarding cycles for new lenders

You can try adjusting your inquiry parameters (different amount, different employment type) to see more options. We are continuously adding new Lender Partners.

Disbursement timelines are entirely controlled by the Lender Partner. Some digital lenders disburse within hours of approval; traditional banks may take several business days. The lender will share their indicative timeline during their conversation with you.

We onboard only Non-Banking Financial Companies (NBFCs) and banks that are registered with the Reserve Bank of India. Each lender's listing in the app shows their name and RBI registration status. We do not list unregistered lenders, peer-to-peer informal lenders, or any entity without an RBI license.

If you ever encounter a lender that you believe is operating outside RBI regulations, please report it to us at support@shreerajdeepfinance.co and to the RBI's Sachet portal at https://sachet.rbi.org.in.

No mobile app or marketplace is "RBI Approved" — that phrase is misleading and we will never use it. We are a digital lending intermediary that follows the RBI's published guidelines for digital lending platforms, and we work exclusively with RBI-registered lenders. Our app is not itself licensed by the RBI, because no such license exists for marketplaces.

If a Lender Partner contacts you in an unprofessional, harassing, or threatening manner, please:

1. Report the incident to us at support@shreerajdeepfinance.co with as much detail as possible
2. File a complaint with the RBI's Sachet portal at https://sachet.rbi.org.in
3. Contact your state cybercrime unit if any criminal behavior is involved

We take such reports seriously and will remove repeat-offender lenders from our platform.

Contact our Grievance Officer using the details shown in-app under Settings > Grievance Officer or on our website. We acknowledge grievances within 24 hours and resolve them within 15 days per Information Technology Rules, 2021.

Your mobile number is your account identifier and is used for authentication through Firebase Phone Authentication, which sends you a one-time verification code by SMS. We do not share your mobile number with anyone outside the Lender Partner you select for a specific inquiry.

Currently, the app is tied to your verified phone number. If you change numbers, you can sign in with the new number to create a fresh account. Future versions may support phone-number migration; for now, please contact support@shreerajdeepfinance.co if you need help.

Not yet. The app is currently Android-only. iOS support is on our future roadmap but is not committed to a date.

OTP delivery depends on your mobile carrier and can occasionally be delayed by 30–60 seconds. If you do not receive it:

1. Wait a full minute, then tap "Resend OTP"
2. Make sure your phone has good cellular signal
3. Check that your number is correctly entered with the +91 prefix
4. If you are still not receiving it, contact support@shreerajdeepfinance.co — we can help diagnose

Yes. The only required field for account creation is your mobile number. Name and email are optional and used only to make lender outreach friendlier. You can submit loan inquiries without sharing them, though Lender Partners may ask for these details during their own KYC.

Disclaimer: This FAQ is a starting draft based on the product as designed. Have it reviewed by a qualified legal professional familiar with Indian fintech regulations (RBI digital-lending guidelines, DPDP Act 2023) before publishing publicly. Update specifics (timeline ranges, partner counts, grievance process) before publishing if they have changed.