Can I get a Mudra Loan with a low credit score?

Yes. Under the Pradhan Mantri MUDRA Yojana, lenders may consider factors beyond credit score, such as business viability, cash flow, and repayment capacity. While approval is possible, the eligible loan amount or terms may vary.

Is a top-up available on an existing Mudra Loan?

Some lenders may offer additional funding (top-up) to existing Mudra borrowers who maintain a good repayment track record and demonstrate further business funding needs. Eligibility depends on lender policy and loan performance.

How do I decide the right Mudra Loan tenure?

Loan tenure is typically aligned with your business cash flow and repayment ability. Most Mudra business loans offer flexible repayment periods, commonly ranging from 6 months up to 5 years, depending on loan type and lender terms.

How quickly is a Mudra Loan disbursed?

After application submission, document verification, and approval by the lender, disbursal can be completed quickly — often within a few hours to a few working days, depending on loan size and documentation readiness.

Can I estimate my EMI before applying?

Yes. Many Mudra lenders provide online EMI calculators that allow you to estimate monthly instalments based on loan amount, tenure, and interest rate — helping you plan repayments confidently.

Can Mudra Loans be used for medical or personal emergencies?

No. Mudra Loans are strictly meant for business and income-generating activities such as manufacturing, services, trading, or allied enterprises. They cannot be used for personal or medical expenses.

Who is eligible to apply for a Mudra Loan?

Indian citizens aged 18–65 years engaged in non-farm micro or small business activities — including shopkeepers, artisans, service providers, traders, manufacturers, and entrepreneurs — can apply through eligible lenders.

Do I need collateral for a Mudra Loan?

No. Mudra Loans are collateral-free and backed by government credit support through Micro Units Development and Refinance Agency Limited, making them accessible to small and first-time entrepreneurs.

Privacy Policy – Sampatti Solutions

This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use the Service and explains Your privacy rights and how applicable laws protect You.

We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation

Words with the initial letter capitalized have meanings defined under the following conditions. These definitions shall have the same meaning whether they appear in singular or plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.

Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of shares or voting interests.

Company (referred to as “the Company”, “We”, “Us” or “Our” in this Privacy Policy) refers to Sampatti Solutions.

Cookies are small files placed on Your computer, mobile device, or other device containing details of Your browsing activity on the Website.

Country refers to: India.

Device means any device that can access the Service such as a computer, mobile phone, or tablet.

Personal Data means any information that relates to an identified or identifiable individual.

Service refers to the Website.

Service Provider means any natural or legal person who processes data on behalf of the Company, including third-party vendors who support the Service.

Usage Data refers to data collected automatically through use of the Service or its infrastructure (for example, page visit duration).

Website refers to Sampatti Solutions, accessible from https://sampattisolutions.in/

You means the individual accessing or using the Service, or the company or legal entity on whose behalf such individual accesses or uses the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data
While using Our Service, We may ask You to provide certain personally identifiable information that can be used to contact or identify You. This may include, but is not limited to:

Name
Phone number
Email address
Address or location details
Financial or loan-related information voluntarily submitted

Usage Data
Usage Data is collected automatically when using the Service. This may include:

IP address
Browser type and version
Pages visited and time spent
Device identifiers
Date and time of visits
Mobile device information and operating system

We may also collect information Your browser sends whenever You visit the Service or access it through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies (such as tags, scripts, and web beacons) to track activity on Our Service and store certain information to improve functionality and user experience.

Types of Cookies We Use:

Necessary / Essential Cookies
Type: Session Cookies
Purpose: Enable core website functionality and secure user access.

Cookie Consent Cookies
Type: Persistent Cookies
Purpose: Remember whether You have accepted cookie usage.

Functionality Cookies
Type: Persistent Cookies
Purpose: Remember user preferences such as language or login details for a personalized experience.

You can configure Your browser to refuse Cookies; however, some parts of the Service may not function properly without them.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain the Service
To manage user accounts and registrations
To process loan or service applications
To communicate via email, phone, or SMS regarding services or updates
To send offers or information related to requested services (unless opted out)
To manage inquiries and customer support requests
To analyze usage trends and improve services
For legal compliance or business transfers

Sharing of Your Personal Data

We may share Your personal information in the following situations:

With Service Providers assisting in operations or analytics
With lending partners or financial institutions for service fulfillment
With affiliates or group entities under common control
With business partners offering related services
During mergers, acquisitions, or business transfers
With Your consent or when legally required

Retention of Your Personal Data

We retain Personal Data only as long as necessary for the purposes outlined in this Privacy Policy, including legal, regulatory, dispute resolution, and contractual obligations. Usage Data is generally retained for shorter periods unless required for security or legal reasons.

Transfer of Your Personal Data

Your information may be processed at Company offices or by authorized partners located in other regions. By using the Service and submitting information, You consent to such transfers.

We take reasonable steps to ensure Your data is treated securely and in accordance with this Privacy Policy.

Delete Your Personal Data

You have the right to request deletion or correction of Your Personal Data. You may:

Update information through Your account (if available)
Contact Us to access, correct, or delete data

We may retain certain information where required by law or legitimate business purposes.

Disclosure of Your Personal Data

Business Transactions
If the Company undergoes merger, acquisition, or asset sale, Personal Data may be transferred with prior notice.

Law Enforcement
We may disclose Personal Data if required by law or valid authority requests.

Other Legal Requirements
We may disclose data to:

Comply with legal obligations
Protect Company rights or property
Prevent fraud or misuse
Protect user or public safety
Defend against legal claims

Security of Your Personal Data

We use commercially reasonable security measures to protect Personal Data. However, no internet transmission or electronic storage method is completely secure, and absolute security cannot be guaranteed.

Children’s Privacy

Our Service is not directed to individuals under 18 years of age. We do not knowingly collect Personal Data from minors. If such data is discovered, it will be removed promptly upon notification.

Links to Other Websites

Our Service may contain links to third-party websites not operated by Us. We are not responsible for their content, privacy practices, or policies. We recommend reviewing the privacy policies of any external sites You visit.

Changes to this Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last updated” date. Continued use of the Service after changes indicates acceptance of the updated Policy.

Contact Us

If You have any questions about this Privacy Policy, You may contact us:

By visiting: https://sampattisolutions.in/