Is Loan4Bank a bank or NBFC?

Loan4Bank is a Direct Selling Agent (DSA) and technology platform operated by Bhuraro Fintech Private Limited. Loans are disbursed by RBI-regulated bank and NBFC partners after their independent credit assessment.

Does Loan4Bank charge any upfront fees?

No. Loan4Bank never asks for upfront processing fees. All bank / NBFC fees are disclosed transparently on the offer sheet before you accept the loan.

How is my data protected?

All customer data is encrypted in transit (TLS 1.2+) and at rest. We comply with the RBI Digital Lending Guidelines 2022 and the Digital Personal Data Protection Act 2023. See our Privacy Policy for details.

How do I file a grievance?

Contact our Grievance Officer at grievance@loan4bank.com or +91-89496-31537 (10am–6pm IST, Mon–Sat). Unresolved complaints can be escalated to the RBI Ombudsman via cms.rbi.org.in.

Compliance & Trust — Loan4Bank · RBI

BPB Financial Services Private Limited operates the Loan4Bank platform in India as a technology-first channel partner to regulated lenders, insurers and payment operators. We publish this Compliance page to give customers, partners and regulators one place to verify our legal identity, applicable statutes and security posture.

1. Legal Identity & Registrations

Corporate Identity Number (CIN)

U67190RJ2018PTC061624

Ministry of Corporate Affairs

GST Identification Number

08AAHCB8896P1ZJ

GSTN — State: Rajasthan (08)

Company Type

Private Limited (RJ)

Companies Act, 2013

Former Name

Bhuraro Fintech Private Limited

Name change effected per MCA records

2. Regulatory Frameworks We Honour

RBI — Digital Lending Guidelines, 2022

Loans facilitated through the Platform are originated by regulated lenders. Key Fact Statement (KFS), APR disclosure, cooling-off period and direct-to-bank disbursal norms are enforced.

RBI Master Direction on KYC, 2016

Aadhaar OTP eKYC, PAN NSDL validation, video KYC (V-CIP) and periodic re-KYC workflows are implemented in line with the Master Direction and PMLA, 2002.

DPDP Act, 2023 & IT Act, 2000

Consent-first data collection, purpose limitation, retention control, and a designated Grievance Officer are in place. Cross-border transfers are limited to permissible jurisdictions.

Consumer Protection & Fair Practice

Fair-Practice Code, transparent fee disclosure, non-coercive collection practices and RBI CMS Ombudsman escalation are honoured across all customer-facing flows.

3. Security & Data Controls

TLS 1.2+ in transit; AES-256 for data at rest
MFA (TOTP) enforced for administrative accounts
OWASP ASVS-aligned application security controls
Rate-limited authentication endpoints (429 backoff)
Quarterly access review; least-privilege IAM
SOC-2 Type II readiness (roadmap)

4. Product Disclosures

Interest rates, processing fees and repayment tenures are disclosed inclusive of GST prior to consent.
Key Fact Statement (KFS) is provided per loan sanction — machine-readable and downloadable.
Customers have a 3-day cooling-off window after disbursal per RBI Digital Lending Guidelines.
Insurance-quote figures are indicative; final premium is confirmed by the underwriting insurer.

5. AML / CFT / Sanctions

All onboarding is screened against RBI-notified UAPA and OFAC lists. Suspicious-transaction reports (STRs) and cash-transaction reports (CTRs) are filed with FIU-IND as required under the Prevention of Money-Laundering Act, 2002.

6. Grievance Redressal & Ombudsman

Designated Grievance Officer

Name	Mr. Compliance Officer (update in code)
Email	grievance@loan4bank.com
Phone	+91-89496-31537
Hours	10:00–18:00 IST · Monday–Saturday
Address	3rd Floor, Plot 21, Bhuraro Tower, C-Scheme, Jaipur, Rajasthan · 302001, India

Level 1 — raise a ticket in-app or e-mail support@loan4bank.com. SLA: 5 working days.
Level 2 — escalate to the Grievance Officer at grievance@loan4bank.com. SLA: 15 working days.
Level 3 — RBI CMS Ombudsman: cms.rbi.org.in / 14448 (toll-free).

7. Whistleblower & Ethics

We operate a whistleblower channel for employees, partners and customers to report unethical practices without fear of retaliation. E-mail support@loan4bank.com with subject “ETHICS REPORT”.

8. Verify Us

Anyone can independently verify our incorporation and GST status:

MCA — search CIN U67190RJ2018PTC061624 at mca.gov.in.
GSTN — search GSTIN 08AAHCB8896P1ZJ at gst.gov.in.

9. Compliance Contact

BPB Financial Services Private Limited (formerly Bhuraro Fintech Private Limited)
CIN: U67190RJ2018PTC061624 · GSTIN: 08AAHCB8896P1ZJ
Registered office: Rajasthan, India
E-mail: support@loan4bank.com · Phone: +91 89496 31537

Regulatory Compliance