Finstar Credit Solutions
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Finstar Credit Solutions

Disclaimer

Effective Date: 4 August 2026
Last Updated: 4 August 2026

  1. GENERAL INFORMATION

The information, tools, calculators, forms, articles and other content available on https://finstarcreditsolutions.com are provided by Netranand Meshram, operating under the business name “Finstar Credit Solutions” (“Finstar”, “we”, “us” or “our”).

The information is provided for general awareness, preliminary discussion and loan-advisory purposes only.

Although we make reasonable efforts to maintain accurate and useful information, we do not represent or warrant that all website content will always be complete, current, error-free or suitable for every individual situation.

  1. FINSTAR IS NOT A BANK OR LENDER

Finstar Credit Solutions is an independent loan advisory and facilitation service.

Finstar is not:

  • a bank;
  • a non-banking financial company (“NBFC”);
  • a lender;
  • a credit bureau;
  • a credit-rating agency;
  • an investment adviser;
  • an insurance company; or
  • a government authority.

Finstar does not itself sanction, approve, reject, fund or disburse loans.

We may assist customers with understanding loan products, reviewing potentially relevant lender options, organising information, coordinating documentation and communicating with banks, NBFCs or authorised service partners.

  1. NO GUARANTEE OF APPROVAL

Submitting an enquiry, completing an eligibility form, using an EMI calculator or speaking with a Finstar representative does not guarantee:

  • loan approval;
  • loan sanction;
  • disbursement;
  • a particular loan amount;
  • a particular interest rate;
  • a particular tenure;
  • approval within a specified time;
  • waiver of fees or charges;
  • successful balance transfer; or
  • acceptance by any bank, NBFC or lender.

The relevant lender independently evaluates every application according to its credit policy, underwriting standards, documentation requirements, internal procedures and applicable legal obligations.

Final eligibility, approval, rejection, pricing, interest rate, charges, tenure, security requirements and disbursement are determined solely by the relevant lender.

  1. PRELIMINARY ELIGIBILITY INFORMATION

Any eligibility indication, loan estimate, comparison, recommendation or preliminary assessment communicated by Finstar is indicative only.

A preliminary assessment may be based on information such as:

  • age;
  • income;
  • employment type;
  • business profile;
  • existing EMI obligations;
  • requested loan amount;
  • credit history;
  • property information;
  • location; and
  • information voluntarily provided by the customer.

The lender may reach a different conclusion after reviewing documents, credit reports, repayment history, property records, legal reports, technical valuations or other information.

A preliminary eligibility discussion must not be treated as a sanction letter, binding offer or commitment from a lender.

  1. EMI CALCULATOR DISCLAIMER

The EMI calculator and numerical examples displayed on the website are provided for general estimation and educational purposes only.

Calculator results may differ from the lender’s actual figures because of factors such as:

  • applicable interest rate;
  • fixed or floating-rate structure;
  • loan tenure;
  • processing fees;
  • insurance;
  • taxes;
  • legal and technical charges;
  • disbursement date;
  • repayment frequency;
  • interest-rate changes;
  • rounding methods; and
  • lender-specific conditions.

Calculator results are not a quotation, sanction letter, key facts statement, repayment schedule or legally binding offer.

Customers should verify all amounts, charges and repayment obligations directly with the lender before accepting a loan.

  1. INTEREST RATES AND PRODUCT INFORMATION

Interest rates, fees, loan products, eligibility requirements and lender policies may change at any time.

Any rate, product feature or loan amount displayed on the website is illustrative or based on information available at the time of publication unless expressly stated otherwise.

The actual rate and terms offered to a customer may depend on:

  • credit profile;
  • income;
  • employment or business stability;
  • repayment capacity;
  • property value;
  • loan-to-value ratio;
  • requested product;
  • lender policy; and
  • market conditions.

Finstar does not guarantee that any advertised, illustrative or previously available rate will be offered to a particular customer.

  1. NO FINANCIAL, LEGAL OR TAX ADVICE

Website content does not constitute:

  • legal advice;
  • tax advice;
  • investment advice;
  • accounting advice;
  • credit-repair advice;
  • property-title advice; or
  • a substitute for advice from a qualified professional.

Customers should obtain independent legal, financial, tax, property or accounting advice where appropriate before entering into a loan or financial transaction.

  1. CUSTOMER RESPONSIBILITY

Customers are responsible for:

  • providing complete and accurate information;
  • reviewing all documents carefully;
  • confirming charges and conditions with the lender;
  • understanding repayment obligations;
  • verifying the identity of persons requesting documents;
  • protecting passwords, OTPs and banking credentials; and
  • making an independent decision before accepting a loan.

Customers should not provide false income information, forged documents, inaccurate property information or another person’s details without lawful authority.

  1. DOCUMENT AND SECURITY WARNING

Do not submit Aadhaar numbers, PAN numbers, passwords, OTPs, card PINs, CVVs, online-banking credentials or other authentication details through the general website enquiry form.

Finstar, its representatives and legitimate lender representatives should never require your password, PIN or OTP to guarantee a loan.

Do not transfer money to an unknown personal account merely because someone promises guaranteed approval, a reduced interest rate or immediate disbursement.

Where documents are required, confirm that the request has come through an authorised and verified channel.

  1. THIRD-PARTY LENDERS AND SERVICE PROVIDERS

Finstar may introduce or coordinate with banks, NBFCs, regulated lenders, authorised intermediaries, legal service providers, valuers or other third parties.

These organisations operate independently and may have their own:

  • privacy policies;
  • terms and conditions;
  • underwriting rules;
  • documentation requirements;
  • service standards;
  • fees; and
  • grievance procedures.

Finstar is not responsible for a third party’s independent credit decision, internal delay, system failure, service quality, policy change or employee conduct.

Customers should review all lender documents before signing or accepting them.

  1. THIRD-PARTY LINKS

The website may include links to:

  • lender websites;
  • WhatsApp;
  • Google Maps;
  • social-media platforms;
  • government websites; or
  • other independent services.

These links are provided for convenience only.

Finstar does not control and is not responsible for the availability, content, accuracy, security, privacy practices or services of independent third-party websites.

Visiting or using a third-party website is at the customer’s discretion.

  1. TESTIMONIALS AND CUSTOMER EXPERIENCES

Any testimonial, review or customer experience published on the website represents that individual customer’s experience.

Results may vary depending on the customer’s financial profile, credit history, documentation, requested product and the lender’s policies.

A testimonial must not be interpreted as a guarantee that another customer will receive the same result, rate, loan amount or processing time.

Only genuine and verified testimonials should be published.

  1. BUSINESS STATISTICS

Any statistics relating to:

  • customers served;
  • loan amounts facilitated;
  • lending partners;
  • years of experience;
  • approval rates; or
  • processing times

must be treated as approximate unless specifically described as verified and supported by business records.

Placeholder, estimated or illustrative statistics should not be interpreted as audited or regulator-certified information.

  1. WEBSITE AVAILABILITY

Finstar does not guarantee that the website will always be:

  • available;
  • uninterrupted;
  • error-free;
  • compatible with every device;
  • free from security risks; or
  • updated immediately after every lender-policy change.

The website may be interrupted because of maintenance, hosting problems, software updates, technical failure, cyber incidents or circumstances beyond our reasonable control.

  1. EMAIL, WHATSAPP AND TELEPHONE COMMUNICATION

Communications through email, telephone, SMS or WhatsApp are intended to assist with customer enquiries.

WhatsApp and other third-party communication platforms operate under their own privacy policies and terms.

Customers should avoid sharing passwords, PINs, OTPs, CVVs or banking login information through these channels.

A WhatsApp message, email or telephone discussion does not constitute lender approval or a binding loan offer unless confirmed in formal written documents issued by the relevant lender.

  1. PRIVACY

Personal information submitted through the website is handled in accordance with the Finstar Privacy Policy.

Customers should review the Privacy Policy before submitting an enquiry.

  1. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Finstar will not be liable for indirect, incidental, consequential, special or purely economic losses arising from:

  • reliance on general website information;
  • a lender’s approval or rejection decision;
  • changes in interest rates or lender policies;
  • delays by lenders or third parties;
  • inaccurate information supplied by the customer;
  • unauthorised sharing of passwords, OTPs or credentials;
  • use of third-party websites or platforms;
  • website interruptions or technical failures; or
  • events outside Finstar’s reasonable control.

Nothing in this Disclaimer excludes or limits liability that cannot lawfully be excluded under applicable Indian law.

  1. FRAUD AND IMPERSONATION

Customers should communicate only through the contact details published on the official Finstar website or confirmed Finstar business channels.

Finstar is not responsible for communications from persons who falsely claim to represent Finstar.

Report suspected fraud, impersonation or unauthorised payment requests immediately through the official contact details below.

  1. CHANGES TO THIS DISCLAIMER

Finstar may revise this Disclaimer to reflect changes in:

  • services;
  • lender relationships;
  • website functionality;
  • legal requirements;
  • technology; or
  • business practices.

The revised Disclaimer will be published on this page with an updated “Last Updated” date.

  1. CONTACT INFORMATION

Finstar Credit Solutions

Operated by:
Netranand Meshram

Address:
3/1 indurlok society 

Panchshil Chowk 

Tadiwala road 

Next to Nanda Deep hotel 

Pin code – 411001
Pune, Maharashtra, India

Email:
info@finstarcreditsolutions.com

Telephone:
+91 98347 47218

WhatsApp:
+91 98347 47218

Website:
https://finstarcreditsolutions.com

For complaints or concerns, use the email subject:

“Customer Concern – Finstar Credit Solutions”