- bankingserviceshub@gmail.com
- +91 9758043094
Effective Date: [20/09/2025]
Last Updated: [July 2025]
Banking Hub Services is a loan facilitation and financial services provider operating in India. We
specialize in connecting borrowers with suitable loan products through our network of partner
banks and financial institutions.
Company Name: Banking Hub Services
Registered Address: Block C-14, Shop No., Cloth Market, Sanjay Place, Agra – 282002,
Uttar Pradesh, India
Website: https://bankinghubservices.com
Email: bankingserviceshub@gmail.com
Phone: (+91) 9758043094
Business Loan Facilitation
Home Loan Assistance
Personal Loan Processing
Loan Documentation Support
Credit Assessment and Advisory Services
Banking Partners: Banking Hub Services maintains tie-ups with 10 reputed banks and financial
institutions to provide comprehensive loan solutions to our clients.
In these Terms and Conditions, unless the context otherwise requires:
“Company” or “Banking Hub Services” or “We” or “Us” or “Our” refers to Banking Hub
Services
“Applicant” or “Borrower” or “Client” or “Customer” or “You” or “Your” refers to any
person seeking loan facilitation services
“Services” means loan facilitation, documentation assistance, and related financial advisory
services provided by the Company
“Partner Banks” refers to the banks and financial institutions with whom the Company has
tie-up arrangements
“Loan” means any credit facility including but not limited to personal loans, business loans,
home loans facilitated through our services
“Application” means the loan application submitted by the Customer through our platform
or services
“Terms” or “T&C” means these Terms and Conditions as amended from time to time
“Agreement” means the loan agreement between the Customer and the respective Partner
Bank
“Processing Fee” means the fee charged by Banking Hub Services for loan facilitation
services
“Documentation” means all papers, forms, certificates, and other materials required for
loan processing
Words importing the singular number include the plural and vice versa
Words importing any gender include the other gender
References to statutes, regulations, or guidelines include amendments and modifications
thereof
Headings are for convenience only and do not affect interpretation
Banking Hub Services acts as a financial intermediary and loan facilitator. We do not lend money
directly but connect borrowers with appropriate Partner Banks based on their requirements and
eligibility.
Our services include but are not limited to:
Loan consultation and advisory
Application processing and documentation assistance
Liaison with Partner Banks
Status updates and follow-up
Documentation support and verification
Credit assessment guidance
Loan comparison and recommendation
We do not guarantee loan approval from any Partner Bank
Final loan approval, terms, interest rates, and conditions are solely determined by Partner
Banks
We do not provide direct lending services
All loan agreements are between the Customer and the respective Partner Bank
To avail our services, the Applicant must:
Be a citizen or resident of India
Be at least 18 years of age (21 years for certain loan products)
Have a valid PAN card and Aadhaar card
Meet the specific eligibility criteria set by Partner Banks
Provide all required documentation in original and copies
Have a satisfactory credit history and repayment capacity
Submit a complete application form with all required details
Provide all necessary documents as per our checklist
Pay applicable processing fees
Undergo verification processes as required
Cooperate with Bank representatives for assessment
Maintain accuracy and completeness of all information provided
Standard documents required include:
Identity Proof (Aadhaar, PAN, Passport, Voter ID, Driving License)
Address Proof (Aadhaar, Utility Bills, Bank Statements, Rent Agreement)
Income Proof (Salary Slips, ITR, Bank Statements, Business Documents)
Employment/Business Proof
Photographs
Additional documents as specified by Partner Banks
Banking Hub Services charges a processing fee for loan facilitation services
Processing fees are disclosed upfront and vary based on loan type and amount
Processing fees are non-refundable once services commence
Additional charges may apply for premium services or expedited processing
Processing fees must be paid before initiating loan processing
Payments can be made through cash, cheque, online transfer, or digital payment methods
All payments should be made in favor of “Banking Hub Services”
Receipts will be issued for all payments received
Bank processing fees, legal charges, valuation fees, and other charges are directly payable
to respective parties
We will inform you of such charges but are not responsible for collecting or remitting them
Any changes in third-party charges will be communicated to you
Processing fees are generally non-refundable
Partial refunds may be considered if services are not commenced
Refund decisions are at the sole discretion of Banking Hub Services
Refund processing time is 15-30 working days
All information provided is true, accurate, complete, and current
No material information has been concealed or misrepresented
All documents submitted are genuine and legally valid
Any changes in information will be immediately communicated
Provide additional information or documents as requested
Respond promptly to queries from Banking Hub Services or Partner Banks
Allow verification of information provided
Attend meetings or calls as scheduled
Maintain professional conduct throughout the process
The loan purpose is legal and legitimate
They have the legal capacity to enter into loan agreements
They will comply with all applicable laws and regulations
No proceedings or litigation are pending that may affect loan eligibility
They are financially capable of servicing the proposed loan
They understand the implications of taking a loan
They will honor all commitments made to Partner Banks
They will not engage in any fraudulent activities
Provide professional and courteous service
Process applications within reasonable timeframes
Maintain confidentiality of customer information
Update customers on application status regularly
Facilitate communication with Partner Banks
Maintain high service quality standards
Respond to customer queries within 24-48 hours
Process complete applications within 3-7 working days
Provide accurate information about loan products
Assist throughout the loan processing journey
Delays caused by incomplete documentation
Rejection decisions made by Partner Banks
Changes in interest rates or terms by Partner Banks
External factors beyond our reasonable control
Customer’s failure to meet eligibility criteria
We collect and process personal information including:
Personal and contact details
Financial and employment information
Credit history and KYC documents
Transaction and communication records
Information from credit bureaus and databases
Loan application processing and facilitation
Risk assessment and credit evaluation
Communication and service delivery
Regulatory compliance and reporting
Business analytics and service improvement
Partner Banks and financial institutions
Credit Information Companies (CIBIL, Experian, etc.)
Regulatory authorities as required by law
Service providers under confidentiality obligations
Legal authorities under valid legal process
8.4 Data Protection
Appropriate security measures to protect data
Access controls and authorization mechanisms
Regular security audits and assessments
Compliance with applicable data protection laws
Retention policies as per regulatory requirements
Access their personal information
Request correction of inaccurate data
Withdraw consent subject to legal obligations
Receive information about data processing
Lodge complaints regarding data handling
Banking Hub Services operates in compliance with:
Reserve Bank of India guidelines and regulations
Fair Practice Code for loan facilitation services
Know Your Customer (KYC) and Anti-Money Laundering (AML) norms
Consumer protection regulations
Digital lending guidelines
All fees, charges, and terms applicable
Processing timelines and service standards
Partner Bank terms and conditions
Interest rates and loan features
Customer rights and grievance procedures
Transparent and ethical business practices
Non-discriminatory service delivery
Proper loan application processing
Timely communication and updates
Customer-centric service approach
Customer information may be shared with Credit Information Companies
Credit reports may be obtained for assessment purposes
Loan performance data may be reported to credit bureaus
Customers have rights under Credit Information Companies Regulation Act
Loan approval from any Partner Bank
Specific interest rates or loan terms
Processing timelines by Partner Banks
Availability of particular loan products
Accuracy of third-party information
Direct damages up to the amount of processing fees paid
Services explicitly promised in our service agreement
Losses directly attributable to our negligence
Remedies available under applicable law
Consequential or indirect damages
Loss of business, profits, or opportunities
Delays or actions by Partner Banks
Market changes affecting loan terms
Customer’s failure to meet obligations
Natural disasters or acts of God
Government actions or regulatory changes
Technical failures or system outages
Labor disputes or strikes
Other circumstances beyond reasonable control
Contact: bankingserviceshub@gmail.com or (+91) 9758043094
Response Time: 48 hours
Resolution Time: 7 working days
For unresolved complaints after Level 1
Escalation Time: 10 working days from initial complaint
Resolution Time: 15 working days from escalation
Final internal escalation level
Escalation Time: 18 working days from initial complaint
Resolution Time: 21 working days from initial complaint
Approach the respective Partner Bank’s grievance cell
Contact Banking Ombudsman of the relevant region
File complaints with consumer forums
Approach regulatory authorities as applicable
Provide complete details of the grievance
Include relevant documentation and communication records
Specify resolution sought
Provide contact details for communication
Follow up within stipulated timelines
Fair and unbiased complaint handling
No discrimination against complainants
Prompt acknowledgment and response
Proper documentation of complaints
Regular review of grievance patterns
Providing written notice via email or registered post
Cancelling within cooling-off period (if applicable)
Mutual agreement on termination terms
Payment of applicable fees and charges
Customer provides false or misleading information
Customer fails to pay applicable fees
Customer violates these Terms and Conditions
Regulatory requirements necessitate termination
Business circumstances require discontinuation
Processing of pending applications may be discontinued
Refunds (if any) will be processed as per policy
Confidentiality obligations continue
Outstanding obligations remain payable
Customer data handling follows retention policy
Website content, design, and functionality
Marketing materials and brochures
Business processes and methodologies
Software, tools, and systems used
Trademarks, logos, and brand elements
Personal information and documents provided
Business information shared for loan purposes
Intellectual property not transferred to us
Customers may use our services for intended purposes only
No reproduction or distribution of our materials without permission
Limited license to use our platform for service access
Respect for third-party intellectual property rights
These Terms may be amended by Banking Hub Services at any time
Changes will be notified via website, email, or other communication means
Continued use of services constitutes acceptance of modified terms
Material changes may require explicit customer consent
These Terms constitute the complete agreement between parties
They supersede all prior agreements and understandings
Any modifications must be in writing and agreed by both parties
Individual loan agreements with Partner Banks are separate contracts
If any provision is deemed invalid, the remainder remains enforceable
Invalid provisions will be replaced with valid equivalent provisions
Severability does not affect the overall validity of these Terms
Non-enforcement of any provision does not constitute waiver
Waivers must be explicit and in writing
Waiver of one breach does not waive future breaches
Banking Hub Services may assign rights and obligations with notice
Customers may not assign rights without our written consent
Assignment does not affect existing obligations and liabilities
The laws of India
Regulations issued by Reserve Bank of India
Consumer Protection laws and regulations
Other applicable Indian laws and regulations
All disputes are subject to the exclusive jurisdiction of courts in Agra, Uttar Pradesh
Applicable consumer forums have concurrent jurisdiction for consumer disputes
Banking Ombudsman jurisdiction applies for banking-related matters
Alternative dispute resolution methods may be pursued
Preferred dispute resolution methods:
For queries, complaints, or assistance:
Primary Contact:
Email: bankingserviceshub@gmail.com
Phone: (+91) 9758043094
Address: Block C-14, Shop No., Cloth Market, Sanjay Place, Agra – 282002
Business Hours:
Monday to Friday: 10:00 AM to 6:00 PM
Saturday: 10:00 AM to 2:00 PM
Sunday: Closed (Emergency support available via email)
Website: https://bankinghubservices.com
Primary communication via email and phone
SMS updates for application status
WhatsApp support (if available)
Postal communication for formal documentation
Email queries: 24-48 hours
Phone queries: Immediate to 4 hours
Formal complaints: 7 working days
Escalated matters: 15 working days
Service delivery may be affected by pandemic restrictions
Alternative service methods may be employed
Extended timelines may apply during force majeure events
Customer safety and regulatory compliance are prioritized
Electronic signatures and documents are acceptable
Video KYC and digital verification processes may be used
Cybersecurity measures are implemented for digital transactions
Data privacy is maintained in digital interactions
Services may be modified to comply with new regulations
Interest rates and terms may change based on regulatory updates
Customer notification will be provided for significant changes
Compliance with all applicable laws is ensured
By engaging Banking Hub Services or using our services, you acknowledge that:
For Banking Hub Services:
Authorized Signatory
Banking Hub Services
Date: [Insert Date]
For Customer:
Customer Signature
Name: [Customer Name]
Date: [Insert Date]
End of Terms and Conditions
This document contains important legal information. Please read carefully and seek legal
advice if needed. Keep a copy for your records.
Document Version: 1.0
Last Review Date: [Insert Date]
Next Review Date: [Insert Date + 1 Year]
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Block C-14, Shop No, Cloth Market Sanjay Place, Agra-282002