Money Lending License Guidelines

Prism Cosmic Private Limited (operating as Aapka Credit) is a direct lender holding a valid Money Lending License. We lend our own funds and manage the end-to-end loan lifecycle, ensuring a seamless, transparent, and fair borrowing experience for all our customers.

Fair Practices Code

We strictly adhere to the Fair Practices Code formulated by our licensing authority. We ensure complete transparency regarding interest rates, processing fees, and all terms and conditions of the loan before any agreement is signed by the customer.

Data Protection and Security

In compliance with the Information Technology Act, 2000 and the data localization mandates, all customer data is stored securely on servers located within India. We employ industry-standard encryption protocols (256-bit AES) to protect data both in transit and at rest.

List of Lending Partners

As per regulatory requirements, we maintain full transparency regarding our Money Lending License details. If you wish to view our licensing information, please contact our support team.