Terms & Conditions

"CampusCredit®" is a brand of Matriye Software Pvt. Ltd. (CIN: U72900MH2020PTC123456), a technology platform that facilitates education finance by connecting eligible students with registered NBFCs and lending partners.

"Service" refers to the education EMI facilitation, eligibility assessment, and loan application processing services offered through this platform.

"Borrower" means the student, parent, or guardian who applies for education finance through CampusCredit®.

• Applicant must be a citizen of India, aged 18–45 years.
• Enrolled or seeking admission in a recognized Indian university or institution.
• Minimum monthly income of ₹15,000 (self or co-applicant).
• Valid Aadhaar card and PAN card are mandatory for KYC.
• No active defaults or CIBIL score below 600 (partner lender discretion applies).

• Minimum finance: ₹10,000 · Maximum finance: ₹7,50,000
• Repayment tenure: 6 months to 36 months
• Interest rate: 0% to 18% p.a. (determined by partner lender based on credit profile)
• Processing fee: ₹999 to ₹4,999 (one-time, non-refundable)
• All disbursals are made directly to the educational institution's account

Upon submitting your application on this platform, CampusCredit® will:

1. Collect your basic KYC and income details
2. Share your profile with registered lending partners
3. Provide in-principle approval within 4 business hours
4. Facilitate KYC verification and loan agreement execution
5. Coordinate disbursal with your educational institution

CampusCredit® acts as a loan service provider (LSP) and is not a direct lender.

By submitting this application you consent to CampusCredit® sharing your personal and financial data with:

• Registered NBFC and banking partners for loan processing
• Credit bureaus (CIBIL, Experian) for credit assessment
• Authorized third-party KYC service providers

Data is stored securely with 256-bit SSL encryption. We do not sell personal data to marketing companies.

The following fee structure applies:

• Processing Fee: ₹999–₹4,999 (charged by lending partner)
• Late Payment Penalty: 2% per month on overdue amount
• Pre-payment Charges: Nil after 6 months (partner lender specific)
• Bounce Charges: ₹500 per ECS/NACH bounce

EMIs are collected via NACH/ECS mandate linked to your bank account. In case of default:

• Your CIBIL/credit score may be negatively impacted
• Legal recovery proceedings may be initiated by the lender
• CampusCredit® reserves the right to contact your co-applicant/guarantor

Matriye Software Pvt. Ltd. and CampusCredit® act as a facilitator only. We are not responsible for:

• Loan rejection by partner lenders
• University fee revisions post-disbursal
• Course discontinuation by the student
• Any loss arising from third-party service failures

These terms are governed by the laws of India. Disputes shall be subject to the exclusive jurisdiction of courts in Pune, Maharashtra. For grievances, refer to our Grievance Policy.

CampusCredit® reserves the right to amend these terms at any time. Continued use of our services after amendments constitutes your acceptance of revised terms. Users will be notified of material changes via email.