Disclaimer

Ikaya Capital operates as a lending partner — formally, a Direct Selling Agent (DSA) — and loan facilitator. We are not a bank, NBFC, or any other regulated lending institution.

Any loan amount, interest rate, or eligibility estimate communicated to you — whether on WhatsApp, this website, or in person — is indicative and based on preliminary information only. It does not constitute a loan offer or approval.

Final loan approval, amount, interest rate and terms are determined exclusively by the lending bank or NBFC after their own independent assessment of your application and documents.

Ikaya Capital does not guarantee loan approval under any circumstances and shall not be held liable for a lender's decision to decline or modify the terms of any application.