1. General Disclaimer

The information provided on this website is for general informational purposes only. While Kay Kay Hire Purchase Private Limited endeavours to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.

Any reliance you place on such information is strictly at your own risk. In no event will Kay Kay Hire Purchase Private Limited be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, arising from the use of this website.

2. Regulatory Information

Kay Kay Hire Purchase Private Limited is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) as a Category B NBFC. The company was incorporated on 02-03-1994 and is headquartered at 416-417, 3rd Floor, Prestige Chambers, GT Road, Jalandhar, Punjab, India.

As a registered NBFC, we are subject to applicable RBI regulations, directions, and guidelines including the Non-Banking Financial Company - Non-Systemically Important Non-Deposit taking Company (Reserve Bank) Directions, 2016, as amended from time to time. We adhere to all RBI circulars applicable to our category of NBFC.

Customers are advised to verify our registration details with the Reserve Bank of India if required. Kay Kay Hire Purchase Private Limited does not accept public deposits.

3. Loan & Financial Information

All loan products, interest rates, fees, charges, and terms mentioned on this website are indicative and subject to change without prior notice. Actual loan terms will be communicated at the time of loan application and are subject to:

• The applicant's credit profile and CIBIL score
• Income verification and documentation submitted
• Prevailing RBI guidelines and regulatory requirements
• Internal credit assessment and approval policies of Kay Kay Hire Purchase Private Limited

Interest rates and other charges are disclosed to borrowers upfront at the time of sanction in compliance with the RBI's Fair Practices Code for NBFCs. Loan sanction is at the sole discretion of Kay Kay Hire Purchase Private Limited.

4. EMI Calculator - Illustrative Purpose Only

The EMI calculator provided on this website is for illustrative and informational purposes only. The results generated by the calculator are approximate estimates based on the inputs provided by the user. The actual EMI, interest amount, and total payable amount may vary based on:

• The actual interest rate applicable to your loan
• Processing fees and other applicable charges
• The specific loan agreement executed between the borrower and Kay Kay Hire Purchase Private Limited

Kay Kay Hire Purchase Private Limited does not guarantee the accuracy of the EMI calculator results and these should not be relied upon as a definitive calculation of your loan obligation.

5. Third-Party Links

This website may contain links to external websites operated by third parties. These links are provided for your convenience and information only. Kay Kay Hire Purchase Private Limited has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of a link to another website does not constitute an endorsement of that website or its contents by Kay Kay Hire Purchase Private Limited.

6. Fair Practices Code

Kay Kay Hire Purchase Private Limited adheres to the Fair Practices Code (FPC) mandated by the Reserve Bank of India for NBFCs. Our commitment to the Fair Practices Code includes:

• Providing loan applications with required information in a transparent manner
• Communicating loan sanction with all terms and conditions in writing to the borrower
• Giving adequate notice before changes in terms and conditions
• Not discriminating against borrowers on the basis of gender, caste, or religion
• Responding to all customer complaints in a timely and fair manner
• Ensuring recovery of loans through fair and reasonable practices only

A copy of the Fair Practices Code adopted by Kay Kay Hire Purchase Private Limited is available for review at our office upon request.

7. Contact Information

For any queries, complaints, or clarifications regarding the above disclaimer or any aspect of our loan products and services, please contact us:

This disclaimer was last updated in 2025. Kay Kay Hire Purchase Private Limited reserves the right to amend this disclaimer at any time without prior notice. Continued use of this website following any changes constitutes acceptance of the updated disclaimer.