Public Disclosure

1. Who We Are (And Who We Are Not)

Welcome to the official Public Disclosure page of Mallu Finance. It is our utmost priority to ensure complete transparency regarding our operational framework, our legal standing, and the exact nature of the services we provide to our users. First and foremost, we must explicitly clarify that Mallu Finance is strictly a digital loan aggregator and an online financial marketplace.

We are entirely independent of any banking institution in terms of ownership. Mallu Finance is not a bank, nor are we a Non-Banking Financial Company (NBFC), or a direct lending institution. We do not hold a banking license, we do not accept public deposits, and we do not independently disburse loans from our own internal capital reserves. Our primary, exclusive function is to act as a technological bridge, securely connecting potential borrowers with regulated financial institutions.

2. Our Operational Model & Documentation

Any official financial statements, loan sanction letters, or repayment schedules you receive as part of your borrowing journey will be issued directly by the financial institution that successfully underwrites and approves your loan application. Our platform simply provides the user interface and the initial data collection mechanism to make the application process as seamless as possible. We highly encourage our users to understand this core distinction to avoid any confusion regarding account management and official financial documentation.

3. Strategic Partnerships and Lending Network

To provide our users with a diverse, competitive range of financial products, Mallu Finance has strategically partnered with a wide network of highly reputable lenders across the financial ecosystem. This robust network includes traditional banks, modern digital NBFCs, and innovative lending platforms. We are uniquely proud to note our integration and deep partnerships with popular, cutting-edge lenders like LINE, working closely alongside a diverse portfolio of other RBI-registered bank and NBFC partners.

By collaborating with these established brands, we ensure that our users have immediate access to secure, regulated, and transparent loan products that adhere to the strict guidelines set forth by national financial regulatory authorities. When you apply through us, your application is routed to these trusted partners to find the most suitable financial match.

4. The Application Process & Independence

Our operational mechanism is designed with the user's convenience at the center. When you submit an application through Mallu Finance, you are utilizing our advanced matching algorithm. We analyze the information you provide—such as your income, employment status, and requested loan amount—and cross-reference it against the lending criteria of our partner network. Instead of you having to physically visit multiple branch locations or download dozens of different applications, our platform simultaneously presents your profile to our partnered lenders.

Once a successful match is made, the actual lending agreement, including all terms, conditions, and repayment structures, is formed exclusively between you and the respective lending partner. Mallu Finance is strictly a facilitator and is not a legal party to the final loan contract.

5. Transparent Fee Structure

Transparency in fees and charges is another foundational pillar of our operation. We want to make it absolutely clear: there is no need to pay any processing fee, upfront fee, or any kind of hidden charges to use our platform. Since Mallu Finance is an aggregator, we do not charge users any hidden convenience fees or upfront costs for simply utilizing our services to find a loan.

Our revenue model is transparently based on referral fees and commissions paid directly to us by our lending partners upon the successful disbursement of a loan.

The terms of your personal loan—including interest rates, any bank-side processing fees, late payment penalties, and the exact repayment schedule—are entirely determined by the lender. We mandate that all our partners clearly and conspicuously disclose these terms to you before you digitally sign any financial agreement.