Our Lending Partners & Compliance
In accordance with the Reserve Bank of India’s Digital Lending Guidelines, Paisa in Minutes operates strictly as a digital facilitator connecting prospective borrowers with regulated financial partners.
Lending Service Provider (LSP) Framework
Paisa in Minutes (operated by TRAJ CAPITAL PRIVATE LIMITED) functions as an online technology intermediary and digital lead generator. We provide borrower sourcing, initial qualification screening, and technological application routing for regulated commercial banks and Reserve Bank of India (RBI) registered Non-Banking Financial Companies (NBFCs).
All loan sanctions, credit risk underwriting, interest rate determinations, and disbursals are executed directly by the respective partner institutions into the borrower’s verified bank account. Paisa in Minutes does not handle loan capital directly, does not pool funds, and does not charge any upfront loan guarantee fees.
Lending Institutional Categories
We facilitate applications across distinct categories of licensed financial institutions:
Customer Care & Grievance Redressal Mechanism
Borrowers with queries regarding partner disclosures, loan applications, or digital KYC may reach our dedicated compliance officer. In accordance with RBI Fair Practices guidelines, all borrower grievances receive an initial response within 48 business hours.
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