Product Policy & Fee Schedule

Applicable to all active LendiGo loan products

Version 1.0-2026-08-30 · Effective 30 August 2026

1. Overview

Dhantrix Financing Private Limited (LendiGo) offers the loan products listed below through the LendiGo digital lending platform. Rates, fees, and eligibility limits are disclosed before you accept an offer. Final terms appear in your Key Fact Statement (KFS) and loan agreement.

2. LendiGo Personal Loan (PL-STD)

Purpose: Personal Loan amount: ₹1,000 – ₹6,00,000 Tenure: 3 – 18 months Monthly instalment: EMI amount confirmed in the sanction letter and KFS Processing fee: 2% of sanctioned amount + GST Insurance premium: 3% of sanctioned amount + GST Foreclosure charge: NIL (as per Sanction Letter / Annexure I KFS) Late payment penalty: Daily slab table by EMI range (max ₹2,500/month per EMI). Overdue charges apply on the overdue EMI only — see Sanction Letter / KFS Cooling-off: 3 calendar days from disbursement — exit on principal + proportionate interest; no foreclosure charge Sanction validity: 5 days from sanction letter date GST on the interest component of EMI and on upfront fees is included in the amounts shown. Illustrative EMI uses the platform calculator; actual EMI is confirmed in your sanction letter and KFS.

3. LendiGo Business Loan (BL-STD)

Purpose: Business Loan amount: ₹50,000 – ₹10,00,000 Tenure: 12 – 48 months Monthly instalment: EMI amount confirmed in the sanction letter and KFS Processing fee: 2.5% of sanctioned amount + GST Insurance premium: 1% of sanctioned amount + GST Foreclosure charge: NIL (as per Sanction Letter / Annexure I KFS) Late payment penalty: Daily slab table by EMI range (max ₹2,500/month per EMI). Overdue charges apply on the overdue EMI only — see Sanction Letter / KFS Cooling-off: 3 calendar days from disbursement — exit on principal + proportionate interest; no foreclosure charge Sanction validity: 5 days from sanction letter date GST on the interest component of EMI and on upfront fees is included in the amounts shown. Illustrative EMI uses the platform calculator; actual EMI is confirmed in your sanction letter and KFS.

4. General disclosures

Interest is calculated on reducing balance. Foreclosure charge is NIL as disclosed in the KFS / Annexure I. Cooling-off exit within 3 days requires principal + proportionate interest only. Late payment charges follow the disclosed daily slab table. Overdue charges apply on the overdue EMI only (Sanction Letter / Annexure I). We may revise product parameters for new applications with notice on this page. Existing loans remain on agreed terms. Queries: info@lendigo.in · +91 94038 92773 Registered office: No. 288, Motappanapalya, Indiranagar, Bengaluru – 560038, Karnataka, India