Regulatory & Non-NBFC Disclaimers
Last Updated: November 2026 • Effective Immediately
UNFUND is NOT a Bank, Non-Banking Financial Company (NBFC), or Direct Capital Provider regulated under Section 45-IA of the Reserve Bank of India (RBI) Act, 1934. UNFUND does not operate a lending balance sheet, does not disburse loans, does not accept deposits, and does not charge upfront loan sanction or approval guarantees.
UNFUND is exclusively a technology, credit assessment, financial telemetry, and deal-readiness enablement platform. All credit approvals, interest rates (ROI), processing fees, and disbursements are executed strictly by authorized partner banks, RBI-registered NBFCs, or designated government grant authorities at their sole discretion.
1. Loan Assistance & DSA Role Disclosure
In our capacity as a loan assistance and sourcing partner, UNFUND assists businesses and individual applicants by packaging financial data into institutional-grade credit dossiers. Any facilitation of banking products adheres to the RBI Master Directions on Digital Lending (DLG).
- No loan disbursements or repayments are routed through any proprietary bank accounts of UNFUND. All transactions occur directly between the borrower and the regulated entity.
- Borrowers receive a Key Fact Statement (KFS) directly from the lending bank or NBFC prior to digital contract execution.
- UNFUND does not guarantee loan approval or specific interest rate slabs. Underwriting policies remain entirely autonomous to lending partners.
2. Government Grant Matching Disclaimer
UNFUND provides automated matching algorithms for government assistance schemes including, but not limited to, the Startup India Seed Fund Scheme (SISFS), BIRAC BIG, and iDEX.
UNFUND is an independent technology platform and is not affiliated, sponsored, endorsed, or operated by the Department for Promotion of Industry and Internal Trade (DPIIT), the Ministry of Commerce and Industry, or any incubator selection committee. Final selection, milestone verification, and grant tranches remain subject to official ministerial guidelines and incubator evaluation panels.
3. VC Readiness & Cap-Table Diagnostics
The Fundability Scorecard (ƒ), iSAFE CCPS modeling, and diagnostic reports produced by UNFUND do not constitute investment advice, equity underwriting, or solicitation of securities under SEBI regulations.
UNFUND is not a SEBI-registered Merchant Banker or Stockbroker. Calculations and dilution curves serve as informational engineering models designed to assist founders and corporate advisors during private capital preparations.
4. Accuracy of Telemetry & External Sources
Verification outputs rely on data fetched with explicit consent via the RBI Account Aggregator framework, the GSTN portal, Ministry of Corporate Affairs (MCA) registries, and credit bureaus. While UNFUND deploys bank-grade sanity models, we do not warrant the absolute completeness or operational uptime of third-party public databases and APIs.