Last updated
Last updated: 1 July 2026
We are not a lender
Finoxa Finance is a loan distribution and advisory firm. We are not a bank, an NBFC, or a deposit-taking institution, and we hold no lending licence. We do not disburse loans, we do not hold client funds, and we do not guarantee that any application will be approved.
All loans are provided by, and all loan agreements are between you and, the lending institution. Every credit decision, interest rate, fee, tenure and term is at the sole discretion of that institution.
Rates and figures are indicative
Interest rates, processing fees, loan amounts, tenures and eligibility criteria published on this website are indicative figures supplied by our lending partners. They change frequently and without notice, and they vary by applicant profile, employer category, credit score, location and product variant.
Nothing on this website is an offer to lend, a commitment, a quotation or a pre-approval. The only binding terms are those in a sanction letter issued to you by a lending institution.
About the EMI calculator
Our EMI calculator applies the standard reducing-balance formula and is mathematically accurate for the figures you enter. However, the EMI on your actual sanction letter may differ because it also reflects:
- the specific interest rate the lender offers your profile, which may not match the indicative rate;
- whether the processing fee is deducted from disbursal or added to the principal;
- broken-period interest between the disbursal date and your first instalment date;
- any insurance premium funded within the loan;
- whether the lender computes interest on a daily or monthly reducing balance.
Treat calculator output as a reliable planning figure, not a quotation.
About the eligibility checker
The eligibility checker applies our partners' published parameters — age bands, minimum income, employment category, FOIR ceiling and income multiplier — to the information you enter. It is a genuine indicative assessment, not a marketing device, but it is not a sanction or a pre-approval.
A final decision depends on document verification, your full credit information report, lender-specific policy on your employer or profession, and — for secured loans — property valuation and legal diligence. Using the tool does not generate a credit bureau enquiry and has no effect on your credit score.
Our content is information, not advice
Articles, guides and FAQs on this website are general information about how lending, credit scoring and the relevant tax provisions work in India. They are not investment advice, tax advice or legal advice, and they do not take your individual circumstances into account.
Tax treatment described in our content reflects our understanding of the law at the time of writing and may change. Deductions available under the old and new tax regimes differ. Please consult a qualified chartered accountant or tax adviser before making a decision that depends on tax treatment.
Third-party information
Where we reference lender products, government schemes such as CGTMSE, PM Mudra, PMAY or CGFSEL, or credit bureau methodology, we do so in good faith based on publicly available information. Scheme eligibility, subsidy rates and bureau scoring models change. Always verify current details with the institution or authority concerned.
Borrowing carries risk
Every loan is a fixed obligation that must be serviced regardless of your circumstances at the time. Secured loans put the pledged asset at risk: default on a home loan, mortgage loan or loan against property can lead to enforcement and loss of the property under the SARFAESI Act, and default on a gold loan can lead to auction of the pledged jewellery after notice.
Borrow against cash flow you can sustain through a difficult period, not against the best case. If you are already struggling with existing obligations, speak to us or to a credit counsellor before taking on more debt.
Beware of fraud
We never request an advance fee, a processing payment, a security deposit or a "file charge" from any applicant, at any stage. We never ask for your internet banking password, card PIN, CVV or an OTP. Any communication doing so is fraudulent, regardless of the name, logo or number it appears to come from. Report it to us at grievance@finoxafinance.com and to the National Cyber Crime Reporting Portal.
Website accuracy
We take care to keep this website accurate and current but make no warranty that it is free of error or omission, or that it will be available uninterrupted. We may correct, update or remove content at any time without notice.
Questions
If anything here is unclear, or you want to confirm whether a communication genuinely came from us, contact us on +91 93155 16165 or at info@finoxafinance.com before acting on it.