Frequently asked questions
Everything about our services, safety, timelines and grievance mechanism.
10+ years of solving India's toughest loan cases — from NPA to CIBIL fixes and bank rejections.
Common questions
Is Loan Doctor AI a bank or NBFC?+
No. Loan Doctor AI is a loan-marketplace and financial-distribution platform operated by Genesis Financial Services. We facilitate applications through regulated partner banks / NBFCs (and via Urban Money Private Limited, our corporate DSA).
Do you guarantee loan approval, interest rate or subsidy?+
No. Approval, sanction amount, interest rate, tenure and subsidy grants are entirely at the partner institution's / scheme authority's discretion.
How is my data protected?+
Data is encrypted (TLS 1.3 in transit, AES-256 at rest) and handled per the DPDP Act 2023. See our Privacy Policy.
How long does approval take?+
Approvals typically take a few hours for personal loans and a few days for business / MSME / property-backed loans, subject to the partner lender's process.
What are your charges?+
Enquiries and application facilitation are free unless otherwise agreed upfront. Lender-charged processing fees are governed by the lender.
How do I delete my data / account?+
Website enquiry data: email grievance@genesisfinance.in with subject 'DATA DELETION'. Mobile app account: Profile → Settings → Delete Account. See Account & Data Deletion.
How can I file a grievance?+
Refer to our 4-level Grievance Redressal — Level 1 Customer Support → Level 2 Nodal Officer → Level 3 Principal Nodal Officer → Level 4 RBI Ombudsman.
Does the AI Advisor give personalised advice?+
No — it provides general educational guidance. For personalised advice, please consult a qualified professional or book a paid consultation.
Where are you based?+
Registered office in Surat, Gujarat. We serve clients across India.
How can I become a partner?+
See our DSA, Franchise and Affiliate programs under Business, or email business@genesisfinance.in.