Pricing & Service Fee Disclosure

Lendcord acts solely as a technology platform, customer acquisition partner, digital onboarding partner, loan servicing support provider, customer support provider, and API integration partner. Lendcord does not lend its own funds, accept public deposits, guarantee repayment, guarantee investment returns, determine the final lending decision, or hold customer funds. All lending decisions remain solely with the RBI-regulated lending partner.

For digital onboarding, KYC assistance, portfolio dashboard access, investment tracking, and reporting, Lendcord may charge a Platform Service Fee of 1%–7% of the investment amount, plus applicable GST, where contractually agreed. The exact fee is disclosed before you invest, and may be waived for promotional campaigns.

For digital loan application, e-KYC assistance, documentation support, and loan servicing support, Lendcord may charge a Technology/Platform Service Fee of 1%–7% of the sanctioned loan amount, plus applicable GST, where permitted under applicable law and our contractual arrangement with the regulated lending partner. The exact amount is always disclosed before you execute loan documents.

The following charges are not charged by Lendcord and are determined solely by the RBI-regulated lending partner, disclosed through the Key Fact Statement (KFS), Loan Agreement, and other documents they issue:

• Processing Fee
• Interest Rate
• Penal Charges
• Late Payment Charges
• Foreclosure Charges
• Bounce Charges
• Recovery Charges (where applicable)
• Any statutory levy

Lendcord does not levy penal interest or late payment charges on borrowers. Any penal charges due to default are levied only by the regulated lending partner, in accordance with applicable RBI regulations and loan documentation.

GST and other statutory taxes are charged separately wherever applicable. Any refundable fee is processed in accordance with the applicable service agreement; government charges, statutory fees, and taxes may be non-refundable where applicable.

All applicable fees are displayed before customer confirmation, during onboarding, in our Terms of Use, and in your customer dashboard where applicable. No hidden charges are imposed.

Lendcord Fintech Private Limited is a technology platform and channel partner, and is not an RBI-registered NBFC or NBFC-P2P. All lending, investment matching, loan documentation, escrow operations, fund transfers, and regulated financial activities are undertaken exclusively by the RBI-registered regulated entity, in accordance with applicable law. Nothing in this disclosure is a promise or guarantee of loan approval, investment return, or repayment.