Loan4Bank
Loan4Bank
ഇപ്പോൾ അപേക്ഷിക്കുക
Trust & Compliance

Regulatory Compliance

Last updated: July 08, 2026

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
NameMr. Compliance Officer (update in code)
Emailgrievance@loan4bank.com
Phone+91-89496-31537
Hours10:00–18:00 IST · Monday–Saturday
Address3rd Floor, Plot 21, Bhuraro Tower, C-Scheme,
Jaipur, Rajasthan · 302001, India
  1. Level 1 — raise a ticket in-app or e-mail support@loan4bank.com. SLA: 5 working days.
  2. Level 2 — escalate to the Grievance Officer at grievance@loan4bank.com. SLA: 15 working days.
  3. 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