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Consultation Fee Disclosure

In short: Paid consultation is optional. Fee, scope and refund terms are shared in writing before payment. Paying the fee does not guarantee approval.

Last updated: 4 November 2026

This page explains our optional paid consultation and application assistance service.

Fee

Consultation fee: ₹100 processing fee + consultation charges (No GST). The fee is confirmed to you in writing before payment.

What the fee covers

Understanding your requirement
Explaining suitable product types and lender conditions
Document checklist and review
Guidance while you apply on the lender’s platform

What the fee does not cover

Any guarantee of loan or card approval, amount, rate or timeline
Processing fees, charges or interest payable to the lender
Creation or alteration of any document

Payment

UPI only, using payment details shared from our official numbers (+91 90990 08561 / +91 81405 26761). We do not accept payment any other way. A receipt or invoice is issued for every payment. Never pay a ‘loan approval fee’ to anyone claiming to act for us.

Refunds

No refund. Consultation charges are paid 50% at loan approval / agreement and 50% after disbursement. The ₹100 processing fee is non-refundable, even if the loan is rejected

Self-apply option

You do not have to buy our consultation. You can always apply yourself through partner links with no fee from us.

Contact

Kotadiya Enterprise, 215/A, Sky View, Opp. Swaminarayan Bus Parking, Sarthana Jakatnaka, Varachha, Surat, Gujarat 395010
Email: mdexim61@gmail.com · Phone: +91 81405 26761