OFFICIAL DISCLAIMER — FULL VERSION (For Footer / Website)
CitoWealth is a registered Direct Selling Agent (DSA) operating in association with RBI-regulated banks and NBFCs. We facilitate loan and insurance applications on behalf of our partner lending and insurance institutions — we are not a lender, insurer, or financial advisor. Insurance products are facilitated in association with IRDAI-regulated insurers as an authorised referral partner.
All loan products, interest rates, and insurance plans displayed are indicative and subject to change at the sole discretion of the respective institution. Final approval and disbursement are governed by the partner institution's credit policy. CitoWealth does not guarantee loan approval or insurance issuance.
Interest rates shown are starting rates and may vary based on the applicant's CIBIL score, income, loan amount, tenure, and lender policy. Floating-rate products are linked to the RBI Repo Rate and subject to periodic revision.
All bank and institution logos are property of their respective owners and are displayed solely for partner identification purposes. CitoWealth does not claim ownership of any third-party trademark.
SHORT VERSION (For Homepage Hero Section)
CitoWealth is an authorised DSA — we connect you with RBI-regulated banks, NBFCs & IRDAI-regulated insurers. We do not lend or insure directly. Loan approval and policy issuance are at the sole discretion of the respective institution.
RATE DISCLAIMER (For EMI Calculator & Loan Pages)
*All interest rates are indicative starting rates basis current lender offerings. Actual rate applicable will depend on your CIBIL score, income profile, loan amount, and the lending institution's credit policy at the time of application. Rates are linked to RBI Repo Rate and subject to revision without prior notice.
GRIEVANCE REDRESSAL (As per RBI Fair Practice Code)
CitoWealth has designated a Grievance Redressal Officer (GRO) for resolution of customer complaints. Grievances will be addressed within 15 working days of receipt.
GRO Name: [To be updated] Email: grievance@citowealth.com Address: [Registered Office Address]
Unresolved complaints may be escalated to the RBI Banking Ombudsman at cms.rbi.org.in
■ FRAUD WARNING
CitoWealth will NEVER ask for any upfront fee, processing charge, security deposit, or advance paymentfor loan or insurance facilitation. If anyone claiming to represent CitoWealth demands money — do not pay and report immediately.
Report fraud: grievance@citowealth.com