Effective date · 5 November 2026
1. What this policy covers
This policy explains how to withdraw an enquiry, what to do if anyone has asked you for a payment in HandLoan.ai's name, and how cancellation works for a digital loan from a lender. HandLoan.ai is operated by Jatta M Kommerce Private Limited (CIN U58200MH2024PTC428411). HandLoan.ai is a loan facilitation platform, not a lender, and works with the lending partners listed on our Lending Partners page.
2. Fees
HandLoan.ai does not charge you any fee for submitting an enquiry and does not accept payments from borrowers. Never pay anyone an upfront fee. Because HandLoan.ai takes no fee, there is nothing for HandLoan.ai to refund for an enquiry.
Any fee charged by a lending partner is disclosed in the lender's offer documents and Key Facts Statement (KFS) before you accept, and questions about it should be directed to the lender.
3. Withdrawing your enquiry
You can withdraw your enquiry at any time by emailing help@handloan.ai or calling +91 99866 07600. We will stop contacting you about it and, if you ask, delete your details, subject to any records we must keep by law. If your enquiry has already been shared with a lending partner (with your consent), contact that lender too; we will help you find the right contact.
4. Exiting a digital loan after disbursement
If you take a digital loan from an RBI-regulated lender, contact that lender promptly if you want to exit during the applicable cooling-off period. The lender's KFS and loan documents explain the period, the amount payable, and how to exercise that right. During the applicable period, you may exit by paying the principal and the proportionate cost calculated using the APR, without a penalty. The lender may retain a reasonable one-time processing fee where permitted and disclosed upfront. After the cooling-off period, the lender's applicable prepayment and closure rules apply.
5. Payments made to anyone in HandLoan.ai's name
HandLoan.ai never asks for money, OTP, UPI PIN, CVV or documents. If you have paid, or been asked to pay, anyone claiming to be HandLoan.ai or a HandLoan.ai partner lender, it was not authorised by us. Report it straight away to help@handloan.ai and help@handloan.ai, contact your bank or payment provider, and report it at cybercrime.gov.in or call 1930. We will cooperate with your bank and with lawful requests from the authorities.
6. Contact and escalation
Customer support · help@handloan.ai · +91 99866 07600 · Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)
Grievance Officer · Amit, Grievance Redressal Officer, Jatta M Kommerce Private Limited
Email · help@handloan.ai
Phone · +91 99866 07600
Postal address · Jatta M Kommerce Pvt Ltd, REGUS, Unit No 2201A, 22nd Floor, World Trade Center, Brigade Gateway Campus, Malleswaram (W), Bangalore - 560055, Karnataka, India
Working hours · Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)
Response time · Customer support (help@handloan.ai) within 7 working days; Grievance Officer within 15 days. Acknowledgement within 2 working days.
Operated by · Jatta M Kommerce Private Limited (brand: HandLoan.ai)
CIN · U58200MH2024PTC428411
Registered address · 1st Floor, Shop No. 220, Building No. 3, Citi Mall, Link Road, Andheri (West), Mumbai, Maharashtra 400053, India
Operating office · Jatta M Kommerce Pvt Ltd, REGUS, Unit No 2201A, 22nd Floor, World Trade Center, Brigade Gateway Campus, Malleswaram (W), Bangalore - 560055, Karnataka, India
Support · help@handloan.ai · +91 99866 07600 · Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)
For complaints about a loan from a lender, use the contact in the lender's KFS or on its official website. Eligible unresolved lender complaints may be escalated after 30 days through the RBI Complaint Management System under the applicable scheme.