Loan Disclaimer

Last updated: October 10, 2026

• Nio Capital is not a bank, NBFC or lender and does not lend money.
• Loan eligibility, interest rates, processing fees and other charges, loan amount, tenure, approval and disbursement are decided solely by the lender, based on its credit policies and your profile.
• Submitting an enquiry on this website does not constitute a loan application and does not guarantee a loan.
• Lenders may check your credit report when you apply. Multiple applications in a short time can affect your credit score.
• Secured loans (such as home loans and loans against property) are backed by your property. If repayments are not made, the lender may take recovery action under the loan agreement and law.
• Always read the loan agreement and Key Fact Statement (KFS) provided by the lender, including all fees and charges, before signing.
• We never ask for upfront payment in exchange for "guaranteed" approval, and we will never ask for your OTP, PIN, passwords or banking credentials.

EDIT: If Nio Capital / SMS Informatics Limited acts as a Direct Selling Agent or loan service provider for specific lenders, list those lenders and any required disclosures here — only after verifying the arrangements are in place.