Disclosure on ranking of Loan against Securities (InstaPlus) offers

Effective date: 1st April 2026

Version 1

This document highlights how loan offers are matched and displayed to users by Finzoomers, in compliance with the Chapter III of the Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Directions, 2025.

Finzoomers Services Private Limited acts solely as a Lending Service Provider (LSP) and does not provide credit, advice, or recommendations.

Display and Ranking methodology of loan offers

Priority 1: If the user has already initiated the disbursement journey with any lender, then such lender offer will be prioritized.

Priority 2: In order of ascending ROI.

Priority 3: If a user has a loan offer of same ROI from 2 different lenders, then the offers will be prioritized in order of descending loan amount.

This display logic is applied uniformly across similarly placed users and does not involve any manual intervention or preferential treatment.

Important Note:

The order in which loan offers are displayed does not constitute financial advice, recommendation, or promotion of any lender or loan product. Users are encouraged to review the Key Facts Statement (KFS) and other disclosures provided by the respective lender before proceeding.

Finzoomers do not influence lender credit decisions or approval outcomes. No dark patterns or deceptive design practices are used to influence the user's choice.

All loans are offered, approved, and disbursed exclusively by the respective regulated lenders.

Disclaimer:

The Lender retains absolute discretion to approve, reject, delay, cancel or recall any loan application or facility, with or without assigning any reason, and the Lender's decision shall be final and binding on the Users. Users expressly acknowledge that loan availability, pricing and terms are subject to the Lenders' internal policies and applicable regulatory requirements, and that Finzoomers, being merely a facilitator, has no control or influence over the Lender's credit, sanction, servicing or enforcement decisions and shall not, in any event, be responsible or liable for any act or omission of the Lender, including any delay, rejection, cancellation, early recall of loan, negligence, breach of confidentiality and applicable laws or failure to discharge its obligations. User agree that they are solely responsible for assessing their repayment capacity and should seek independent financial advice, where necessary, before availing any loan product through us.

Finzoomers hold the right to review and modify the above approach and update in this disclosure.