Last Updated: 1st October, 2026
These Terms & Conditions (“Terms”) govern your access to and use of the website https://raghavaasset.in/ (“Website”) operated by Raghava Asset Finance Private Limited (“Company”, “we”, “us” or “our”).
By accessing, browsing or using the Website, you acknowledge that you have read, understood and agree to be bound by these Terms.
If you do not agree with these Terms, please discontinue use of the Website.
1. About The Company
Raghava Asset Finance Private Limited is a Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC) regulated by the Reserve Bank of India, subject to applicable laws, regulations and directions.
The Website provides information relating to the Company, its business activities, products, services and facilities.
2. Use Of The Website
You may use the Website only for lawful purposes and in accordance with these Terms.
You shall not:
- Use the Website for any unlawful, fraudulent or unauthorised purpose;
- Submit false, misleading or inaccurate information;
- Attempt to obtain unauthorised access to the Website or its systems;
- Interfere with the security or operation of the Website;
- Introduce viruses, malware or other harmful code;
- Use bots, crawlers, scraping tools or automated systems without prior written permission;
- Impersonate another person or entity; or
- Use the Website in a manner that may damage, disrupt or adversely affect the Company or its customers.
3. Loan Applications
The Website may provide facilities for submitting loan enquiries or applications.
Submission of an application or enquiry does not constitute acceptance, approval or sanction of a loan.
All applications shall be subject to the Company’s applicable eligibility criteria, KYC requirements, credit assessment, verification, internal policies, applicable regulatory requirements and other conditions.
The Company reserves the right to approve, reject or request additional information in respect of any application, subject to applicable law.
4. Accuracy Of Information
The Company makes reasonable efforts to maintain accurate and current information on the Website.
However, the Company does not guarantee that all information will always be complete, accurate, current or error-free.
The Company may modify or update Website content at any time without prior notice.
5. Electronic Communications
By using the Website or submitting information electronically, you consent to receiving communications from the Company through permitted electronic channels, including email, SMS, telephone, WhatsApp or other communication methods, subject to applicable law and your preferences.
Electronic records and communications may be used for lawful business, operational, customer-service, authentication, transactional, regulatory and compliance purposes.
6. Personal Data And Privacy
Information submitted through the Website may include personal and financial information.
The Company may collect and process such information for lawful purposes, including:
- Responding to enquiries;
- Processing loan applications;
- Customer identification and KYC;
- Credit assessment and risk management;
- Fraud prevention;
- Providing products and services;
- Customer communication;
- Regulatory and statutory compliance;
- Maintaining records; and
- Other purposes permitted under applicable law.
- The processing of personal data shall be subject to applicable data-protection laws and the Company’s Privacy Policy.
7. User Responsibilities
You are responsible for ensuring that all information and documents submitted by you through the Website are true, accurate, complete and not misleading.
You shall promptly inform the Company if any information previously provided by you becomes inaccurate or changes materially.
You shall not submit information or documents belonging to another person without appropriate authority or consent.
8. Security And Credentials
Where the Website provides user accounts, authentication or other security features, you are responsible for maintaining the confidentiality of your credentials.
You shall not share passwords, PINs, OTPs or other authentication credentials with any unauthorised person.
You should immediately notify the Company if you suspect unauthorised use of your account or credentials.
9. Intellectual Property Rights
All intellectual property rights in the Website, including its content, text, graphics, logos, trademarks, software, design and layout, belong to the Company or its licensors.
You may access and use the Website for lawful personal purposes.
You shall not reproduce, modify, distribute, publish, sell, license, create derivative works from or commercially exploit Website content without the Company’s prior written permission.
10. Third-Party Links
The Website may contain links to third-party websites or services.
The Company is not responsible for the content, availability, security or privacy practices of such third-party websites.
Your use of third-party websites is governed by the terms and policies of the respective third parties.
11. Website Availability
The Company does not guarantee uninterrupted or error-free access to the Website.
The Company may suspend or restrict access to the Website for maintenance, upgrades, security reasons, technical issues or other legitimate purposes.
12. Disclaimer Of Warranties
To the maximum extent permitted by applicable law, the Website is provided on an “as is” and “as available” basis.
The Company does not warrant that:
- The Website will always be available;
- The Website will be error-free;
- Information will always be complete or current;
- The Website will be free from viruses or other harmful components; or
- Any particular loan or financial facility will be made available to any user.
Nothing in these Terms shall exclude or limit any liability that cannot legally be excluded or limited.
13. Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold harmless the Company, its directors, officers, employees and authorised representatives against claims, losses, damages, liabilities, costs and expenses arising from:
- Your breach of these Terms;
- Your misuse of the Website;
- Submission of false or unauthorised information;
- Violation of applicable law; or
- Infringement of third-party rights.
14. Suspension Or Termination
The Company may suspend or restrict access to the Website where reasonably necessary due to misuse, security concerns, violation of these Terms, unlawful activity, regulatory requirements or operational reasons.
Such action shall be subject to applicable law.
15. Non-Waiver
Any failure or delay by the Company in exercising any right under these Terms shall not constitute a waiver of that right.
16. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue to remain valid and enforceable to the extent permitted by law.
17. Assignment
You may not assign or transfer your rights or obligations under these Terms without the Company’s prior written consent.
The Company may assign or transfer its rights and obligations subject to applicable law.
18. Regulatory Requirements
Nothing contained in these Terms shall override any mandatory provision of applicable law, RBI directions, regulatory requirement, statutory requirement or order of a competent authority.
Where applicable, the terms of the relevant loan agreement, sanction letter and other contractual documents shall govern the specific financial facility provided to a customer.
19. Grievance Redressal
For any complaint or grievance relating to the Website or services provided through the Website, customers may contact the Company’s designated grievance officer using the details published on the Website.
Grievance Officer:
Grievance Redressal Officer Name – PERAM SAI KIRAN
Designation – Director
Mobile No. – 95159-64569
Email ID – nodalofficer@raghavaasset.in
The Company shall endeavour to address complaints in accordance with its applicable grievance redressal mechanism and regulatory requirements.
20. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India.
Subject to applicable law and the jurisdiction of any competent regulatory authority, statutory forum or other legally prescribed forum, courts having jurisdiction at Nellore, Andhra Pradesh, India shall have jurisdiction in relation to disputes arising out of or relating to these Terms or use of the Website.
21. Entire Agreement
These Terms, together with the Company’s Privacy Policy, applicable product terms, notices and other policies published on the Website, constitute the terms governing your use of the Website.
22. Amendments
The Company may amend these Terms from time to time.
The updated version will be published on the Website with the applicable effective date. Your continued use of the Website following publication of revised Terms shall constitute acceptance of the revised Terms, subject to applicable law.
23. Contact Information
Raghava Asset Finance Private Limited
Registered Office: 3rd Floor, Plot No. 11, Ritwik Enclave, GNT Road, Nellore
CIN: U64990A1997PTC060605
Email: nodalofficer@raghavaasset.in
Telephone: +91 9090920999
Website: https://raghavaasset.in/
By accessing or using this Website, you acknowledge that you have read, understood and agreed to these Terms & Conditions.