Digital lending disclosures — in full view.
Official regulatory disclosures of Kaynet Financial Services Private Limited regarding our official Digital Lending App, authorized Debt Recovery Agents, pricing structure, and Board-approved policies.
Kaynet Financial Services Private Limited
- RBI Reg. No.
- N-13.01903
- CIN
- U65921PN2007PTC130765
- Principal Nodal Officer
- Mr. Rahul Kumar
- Grievance Redressal Officer
- Mr. Mohit Asoliya
Our official Digital Lending App.
Kaynet offers digital loans only through the app listed below. Any other app claiming to offer Kaynet loans is unauthorised.
Taplend
Verified DLAOwned & Operated by Kaynet Financial Services Private Limited
| DLA name | Platform | Official links | Operated by | Disbursal Method |
|---|---|---|---|---|
Taplend Verified DLA | Android (Google Play) | Kaynet Financial Services Private Limited (RE) | Disbursed via UPI |
List of Debt Recovery Agents
Kaynet Financial Services Private Limited engages debt recovery agencies under strict regulatory guidelines and ethical conduct standards.
| # | Recovery Agency / Legal Entity | Category | Activity Assigned | Status |
|---|---|---|---|---|
| 01 | Bpoium Services Private Limited | Debt Recovery Agent | Debt Recovery & Customer Communication Services | Authorised & Active |
For queries or communications relating to debt recovery, borrowers may contact our Grievance Redressal Officer at grievance@taplend.in or +91-93558 71314.
Key borrower rights and protections.
Direct disbursal & repayment
Loans are credited only to the borrower’s own bank account via instant UPI; repayments go directly to Kaynet — never via a pool or third-party account.
Key Fact Statement
A standardised KFS with APR, all fees, repayment schedule and grievance contacts is shown before the agreement is signed.
Cooling-off period
Exit the loan during the look-up period by repaying principal and proportionate APR — with zero penalty.
No unsolicited limit increase
Credit limits are never increased automatically without the borrower’s explicit consent.
Data minimisation
No access to contacts, files, media or call logs. Camera, mic and location only once, for KYC, with consent.
Grievance officer
A designated GRO handles all complaints about Kaynet, the Taplend DLA and collection agencies.
Risk-based, Board-approved, fully disclosed.
Rates reflect cost of funds, operating cost, borrower risk, tenure and a reasonable return on capital. All costs are rolled into a single APR shown in the KFS.
| Taplend charge | Amount |
|---|---|
| Interest rate | 36% per annum |
| Processing fee | Up to 10% + GST |
| Risk assessment fee | 2% + GST |
| Document signing fee | ₹25 |
| Annual Percentage Rate | Up to 75.99% |
| Foreclosure / prepayment | Nil |
| Advance fee / security deposit | Never charged |
Board-Approved Policies & Schedules
Directly view official, Board-approved policy documents and regulatory schedules of Kaynet Financial Services Private Limited.
Fair Practice Code (FPC)
Sets out minimum fair practice standards for loan processing, KFS issuance, recovery conduct, and borrower transparency.
Grievance Redressal Policy
Defines the multi-tier dispute escalation framework, designated officers, turnaround times (TAT), and RBI Ombudsman access.
KYC - AML Policy
Compliance framework for customer due diligence, CIP, beneficial ownership verification, and anti-money laundering controls.
Schedule of Charges
Full schedule of interest rates (24%–36% p.a.), processing fees, credit risk assessment fee, late fee, and zero advance fee guarantee.
Outsourcing Risk Policy
Governance and risk management framework for material outsourcing arrangements, due diligence, and LSP accountability.
Borrow safely through our verified DLA — Taplend.
Sanctioned and disbursed directly by Kaynet Financial Services Private Limited into your verified bank account via UPI. Zero advance fees, 100% upfront Key Fact Statement disclosure.