Terms & Conditions
Last Updated: September 10, 2026
Welcome to the website of NKB Kredit Solutions Pvt. Ltd. (“NKB Kredit”, “we”, “us”, or “our”). By accessing, browsing, or using www.nkbkredit.com (the “Website”), you agree to be bound by these Terms & Conditions (“Terms”).
If you do not agree with any part of these Terms, please do not use this Website or submit your information through the Website.
1. About NKB Kredit
NKB Kredit Solutions Pvt. Ltd. is a financial advisory and funding consultancy that assists businesses in identifying, structuring and facilitating suitable funding opportunities through banks, NBFCs and other financial institutions.
NKB Kredit is not a bank, NBFC, financial institution, or direct lender and does not itself lend or disburse funds.
Any loan, credit facility, working capital facility, secured or unsecured funding, or other financial facility is subject to the independent assessment, credit policies, eligibility criteria, documentation requirements, pricing, terms and approval of the relevant lending institution.
2. Purpose of the Website
The information provided on this Website is intended primarily for general informational and advisory purposes.
The Website provides information relating to business funding, working capital facilities, secured and unsecured business funding, loan against property, machinery finance, vendor finance, and other financial solutions.
The information available on the Website should not be treated as:
- A loan sanction or approval
- A guarantee of funding
- A commitment to provide credit
- A binding offer from any bank, NBFC or financial institution
- Financial, legal, tax or investment advice specific to your circumstances; or
- A substitute for independent professional advice
3. No Guarantee of Loan Approval
Submission of an enquiry, application, documents or financial information through the Website does not guarantee approval or disbursement of any loan or funding facility.
Any funding decision is made solely by the concerned lender based on its own credit assessment, policies, risk parameters, documentation, financial analysis, collateral requirements, repayment capacity and other applicable criteria.
NKB Kredit may assist in structuring the proposal, identifying potentially suitable lenders, coordinating documentation and facilitating communication with lenders; however, final approval remains entirely with the concerned lender.
4. Funding Terms and Interest Rates
Any interest rate, loan amount, tenure, repayment period, processing fee, collateral requirement, margin, moratorium, sanction amount or other commercial term mentioned on the Website is for indicative or informational purposes only, unless specifically confirmed in writing by the relevant lender.
Actual terms may differ depending upon:
- Business financials
- Credit history and repayment track record
- Banking conduct
- Business vintage and industry
- Cash flows and profitability
- Existing liabilities
- Security/collateral available
- Credit bureau information
- Lender’s internal policies
- Regulatory requirements; and
- Other factors considered by the lender.
5. Accuracy of Information Provided by Users
Users submitting information through the Website are responsible for ensuring that all information and documents provided by them are accurate, complete, current and not misleading.
You agree not to provide:
- False or fabricated information
- Forged or altered documents
- Incorrect financial statements
- Misleading business information
- False ownership or promoter details; or
- Any information intended to improperly influence a lender’s credit decision.
NKB Kredit reserves the right to discontinue assistance or reject an enquiry where information appears inaccurate, incomplete, misleading or suspicious.
6. Documents and Financial Information
Depending upon the nature of the funding requirement, NKB Kredit may request financial statements, bank statements, GST information, income-tax returns, KYC documents, property documents, business credentials, existing loan details and other relevant information.
Submission of documents does not create any obligation on NKB Kredit to secure funding or on any lender to approve a facility.
NKB Kredit may use the information provided by the user for evaluating the funding requirement, preparing or structuring proposals, communicating with potential lenders and providing related advisory services, subject to the Website’s Privacy Policy and applicable law.
7. Lender Selection and Facilitation
NKB Kredit may identify or approach one or more banks, NBFCs or other financial institutions based on the information and funding requirements provided by the user.
However:
- NKB Kredit does not control the credit policies of any lender;
- NKB Kredit cannot compel any lender to approve a facility;
- Lenders may independently verify all information;
- Lenders may request additional documents or information;
- Lenders may modify or reject proposed terms; and
- The final lending decision rests solely with the relevant lender.
The availability of a particular lender or funding product on the Website should not be interpreted as an assurance that the lender will approve funding.
8. Third-Party Websites and Services
The Website may contain links, references or information relating to third-party websites, banks, NBFCs, financial institutions, service providers or other external resources.
NKB Kredit does not control and is not responsible for the content, availability, policies, security or practices of such third-party websites or services.
Users should independently review the terms, privacy policies, fees and other conditions applicable to third-party services before using them.
9. Website Content
We make reasonable efforts to keep the information on the Website accurate and updated. However, information may change from time to time and we do not guarantee that all content will always be complete, accurate, current or error-free.
Funding products, lender policies, interest rates, eligibility criteria, regulatory requirements and market conditions may change without prior notice.
NKB Kredit reserves the right to modify, update, suspend or discontinue any portion of the Website or its content without prior notice.
10. Intellectual Property
Unless otherwise stated, all content on this Website, including but not limited to:
- Text;
- Logos;
- Graphics;
- Images;
- Videos;
- Designs;
- Articles;
- Layouts;
- Branding;
- Website structure; and
- Other materials
is owned by or licensed to NKB Kredit Solutions Pvt. Ltd. and is protected by applicable intellectual property laws.
You may access and use the Website for legitimate personal or business purposes.
You may not reproduce, copy, modify, distribute, republish, sell, transmit or commercially exploit Website content without prior written permission from NKB Kredit.
11. Prohibited Use
You agree not to use the Website:
- For any unlawful purpose;
- To submit false or misleading information;
- To impersonate another person or entity;
- To attempt unauthorized access to the Website or its systems;
- To introduce viruses, malware or other harmful code;
- To interfere with Website functionality;
- To collect information about other users without authorization;
- To use automated systems to scrape or copy Website content without permission; or
- In any manner that may damage NKB Kredit, its reputation, systems or business relationships.
12. Communication and Enquiries
By submitting an enquiry through the Website, you authorize NKB Kredit and its representatives to contact you regarding your enquiry and potential funding requirements through permitted communication channels, including telephone, email, SMS, WhatsApp or other communication methods, subject to applicable law and your preferences.
Submitting an enquiry does not guarantee that funding will be available or that NKB Kredit will be able to arrange funding.
You may request that marketing communications be stopped, subject to applicable legal and operational requirements.
13. Privacy and Personal Information
NKB Kredit may collect and process information submitted through the Website for purposes including responding to enquiries, evaluating funding requirements, providing advisory services, coordinating with potential lenders, improving services and fulfilling legal or regulatory obligations.
The collection and processing of personal information is governed by our Privacy Policy, which forms an important part of these Terms.
Users should review the Privacy Policy before submitting personal or business information through the Website.
14. Limitation of Liability
To the maximum extent permitted under applicable law, NKB Kredit Solutions Pvt. Ltd., its directors, employees, consultants, representatives, and associates shall not be liable for any direct, indirect, incidental, consequential or special loss arising from:
- Rejection of a loan or funding application;
- Delay in sanction or disbursement;
- Change in lender policies;
- Change in interest rates or commercial terms;
- Failure of a lender or third party to perform its obligations;
- Inaccurate information provided by the user;
- Reliance on information published on the Website;
- Temporary unavailability of the Website;
- Technical errors or interruptions; or
- Any other matter arising from the use of the Website or funding facilitation services,
except to the extent liability cannot legally be excluded or limited.
15. No Professional Advice
The information provided on the Website is general in nature and should not be considered a substitute for professional legal, tax, accounting, investment or financial advice.
Users should obtain appropriate professional advice based on their individual circumstances before entering into any financial transaction or borrowing arrangement.
16. User Responsibility
Users are responsible for independently evaluating whether a proposed funding facility is appropriate for their business.
Before accepting any loan or financial facility, users should carefully review the sanction letter, loan agreement, terms and conditions, interest rate, processing charges, repayment obligations, security requirements, penal charges and other applicable terms provided by the lender.
17. Changes to These Terms
NKB Kredit may update or modify these Terms from time to time.
The revised version will be published on this page with an updated “Last Updated” date. Your continued use of the Website after changes are published will constitute your acceptance of the revised Terms, to the extent permitted by applicable law.
18. Suspension or Termination
NKB Kredit reserves the right to restrict, suspend or terminate access to the Website or discontinue assistance relating to an enquiry where:
- False or misleading information has been provided;
- Documents appear fraudulent or manipulated;
- The Website is being misused;
- The user violates these Terms; or
- Such action is required by law or for protection of NKB Kredit’s interests.
19. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless NKB Kredit Solutions Pvt. Ltd., its directors, employees, consultants and representatives from claims, losses, liabilities, costs or expenses arising from:
- Your violation of these Terms;
- Your misuse of the Website;
- False, inaccurate or misleading information provided by you;
- Your violation of applicable laws or third-party rights; or
- Your unauthorized use of Website content.
20. Governing Law and Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of India.
Subject to applicable law, the courts having competent jurisdiction in Delhi, India shall have jurisdiction over disputes arising out of or relating to these Terms or the use of the Website.
21. Severability
If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be modified or severed to the extent necessary, and the remaining provisions shall continue to remain valid and enforceable.
22. Entire Agreement
These Terms, together with the Privacy Policy, Disclaimer and any other policies expressly incorporated into the Website, constitute the terms governing your use of the Website, unless otherwise agreed in writing.
23. Contact Us
If you have any questions regarding these Terms & Conditions, you may contact us at:
NKB Kredit Solutions Pvt. Ltd.
Address: 1204 GD – ITL Building, B-08, Netaji Subhash Place,Delhi – 110034, India
Email: ceo@nkbkredit.com
Phone: +91 7503211000 / +91 9654981031
Important Disclaimer
NKB Kredit Solutions Pvt. Ltd. is neither a Bank nor a Financial Institution (including NBFCs) and does not directly lend funds. Loan facilities are arranged through lending partners, including Banks, Financial Institutions and NBFCs, subject to their respective policies, eligibility criteria, credit assessment and approval.
Any funding amount, interest rate, tenure, approval timeline or other commercial terms displayed on this Website are indicative unless specifically confirmed by the concerned lender. Final approval and terms are solely at the discretion of the respective lending institution.