Disclaimers

The VyajPay app does not provide loans, hold customer funds, settle repayments or act as a bank, NBFC, credit bureau or collection agency. Recorded transactions and reminders do not establish legal liability or certify a loan’s legality.

Results are estimates based on entered assumptions. Actual payments and returns vary with rounding, dates, charges, taxes and provider terms. Tax slabs, exemptions and government-scheme rates can change. Results are not financial, investment, tax or legal advice, and returns are not guaranteed.

The compound-interest calculator is a general mathematical tool; app loan records do not compound interest. Rates and charges remain subject to local law. Obtain required lending registrations and check state interest caps before lending.

Smart Scan may misread a name, date, amount or interest rate. Review all extracted entries before saving. AI output is not verified advice and is not guaranteed unique or free of third-party rights. Illustrations and example figures are demonstrations, not promises of results. Testimonials describe individual experiences.

For corrections, rights requests or concerns, use Contact or Your data rights. See Terms for service limitations and consumer rights.