Regulatory & Compliance Information

1. Company Overview

StudyOnLoan is operated by Global Public Relations Services (GPRS), a registered MSME in India.

• Corporate Office: Regus – 2nd Floor 44A, Doon IT Park Sahastradhara Road Dehradun, Uttarakhand – 248013 India
• Registered Office (As per MSME Records): Plot No. 122, Pushp Vihar Dehradun, Uttarakhand – 248001 India

StudyOnLoan operates solely as an education loan facilitation and advisory platform that connects students with regulated financial institutions.

2. Nature of Services

StudyOnLoan is not a bank, NBFC, or financial institution. Specifically:

• We do not provide loans directly.
• We do not accept deposits.
• We do not disburse funds.
• We do not guarantee loan approvals.

Our role is limited to:

• Assisting students in preparing loan applications
• Connecting applicants with banks, NBFCs, and international lenders
• Providing documentation and process guidance
• Supporting NRI co-applicant structuring

3. Lending Partners

StudyOnLoan collaborates with regulated banks, NBFCs, and international lenders, including but not limited to:

• ICICI Bank
• IDFC First Bank
• Yes Bank
• Punjab National Bank
• Bank of India
• Credila Finserv
• Tata Capital
• Avanse
• InCred
• Auxilo
• MPOWER Financing
• Prodigy Finance
• Passage

Each lending institution functions independently under its respective regulatory framework.

4. Fee Disclosure

StudyOnLoan does not charge students for basic loan consultation or eligibility assessment. Any fees applicable during loan processing (processing fees, penalties, interest, etc.) are determined exclusively by the respective lender.

5. Data Protection & Privacy

We collect academic, personal, and financial information strictly for loan processing purposes. All shared data is forwarded only to authorized lending partners with applicant consent. StudyOnLoan complies with applicable Indian IT and data protection regulations.

6. No Guarantee Policy

Loan approvals depend entirely on the lender’s internal criteria, including:

• Creditworthiness
• Documentation and verification
• Lender eligibility norms
• Regulatory compliance

StudyOnLoan does not influence lender decisions and does not guarantee approval or specific loan terms.

7. Grievance Redressal

For concerns or complaints, you may contact:

• Email: info@studyonloan.com
• Response Timeline: Within 7 working days