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Saathi – Terms and Conditions

  • This Saathi Referral Scheme is applicable only to all existing as well as prospective loan customers (“customers”) of Aavas Financiers Limited (“Aavas”), for all loan products (except Top-Up Loans) of Aavas.
  • Under this Referral Program, customers of Aavas can refer any person who wishes to take Loan products (except Top-Up Loans) from Aavas.
  • If a referred customer is received with respect to a lead/application which is already under process with Aavas before such referral has been received, such customer will not be eligible for this Referral Scheme.
  • There is no limit on the number of referred customer that a customer can make under this Referral Scheme.
  • The Referred Applicant will only be eligible for the Reward if they apply for a loan directly from the organization and not through any other organization sourcing channel.
  • This program is not applicable to the immediate family members of the referrer.
  • Participation in the scheme by the existing customer / referrer shall be deemed to be acceptance of all terms and conditions of the scheme by the referrer.
  • For making a referral, customer is required to login at Aavas loan app or Refer and Earn page at https://www.aavas.in/saathi
  • Reward Points will be given on per referral basis on the terms and conditions as mentioned in terms and conditions
  • Referrer(s) whose loans are in default will not receive benefits
  • All applicants related to common property will be treated as single reference and all the rewards will be at the sole discretion of the organization.
  • Referrer(s) are ineligible for the program's rewards if the information they provided was inaccurate, incomplete, or invalid.
  • Referrer (s) shall be solely responsible in case any dispute arises with regard to sharing of such details of Referred Applicants.
  • This Referral Scheme is subject to applicable laws in India and may be discontinued if the same is declared non-permissible by the Government, law, regulation and/or order. Further, in case any situation arises where running this Referral Scheme is restricted and/or prohibited in any jurisdiction, the Referral Scheme shall be deemed to be not applicable since its inception and shall not impact the program in other parts of India. No claims shall arise against Aavas owing to occurrence of any such embargo.
  • Notwithstanding anything contained herein, Aavas reserves the right at any time, at its absolute discretion without prior notice to vary, discontinue, withdraw, cancel, or invalidate the Referral Scheme, without having to give a reason thereof, and without any claims and /or compensation whatsoever. Further, Aavas shall also be at a liberty to reject any claim in the event of irregularity, discrepancy, or dispute, and the decision of Aavas in such scenario shall be final.
  • Aavas, or affiliates, their respective directors, officers, employees, agents, vendors, shall not be held responsible and/or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a customer and/ or Prospective customer claims to have suffered, sustained or incurred, or claims to suffer, sustain or incur, by way of and /or on account of the same and /or any details of the prospective customer voluntarily provided by the customer under this Programme.
  • This Referral Scheme shall be liable to bear all applicable taxes/ cess/ levies as may be applicable from time to time.
  • Reward points is subject to the completeness and authenticity of information provided by the customer.
  • Sanction of the loan which includes but not limited to rejection, approval, reducing/increasing/limiting loan amount is entirely at the sole and absolute discretion of Aavas.
  • The customer will be eligible for the Reward points only after the prospective customer has availed eligible loan product with Aavas, i.e. the loan has been disbursed by Aavas and loan amount handed over to prospective customer through cheque/DD/other medium.
  • The customer undertakes that they had obtained the consent to refer and share the prospective customer’s contact details with Aavas under this Referral Scheme.
  • The customer understands and agrees that Aavas will contact the prospective customer under this Referral Scheme &this will over-ride any Do Not Disturb (DND) registry or National Customer Preference Register (NCPR) that the prospective customer may have registered for.
  • Under this scheme, after taking the lead of a new customer by the existing customer/referrer of the company and paying the loan disbursement amount to the new customer, the reward amount will be given to the existing customer/referrer.
  • Under this scheme, the reward amount of the existing customer / referrer will be paid after the disbursed new customer's loan amount is paid through cheque/DD/other digital medium.
  • Under this scheme, the commission/reward paid to the referrer by Aavas Financiers Limited is directly transferred to the repayment bank account (the bank account from which the installments of the ongoing home loan go) in the loan account of the referrer with Aavas Financiers Limited. Will go and this payment will be subject to GST including / TDS or other tax provisions of the Government of India and payment of income tax or any other type of tax applicable under Indian law on the reward earned by the existing customer / referrer from this scheme only and only the existing To be done by the customer / referrer.
  • Aavas Financiers Limited shall have the right to use the name, photo and referral scheme attributes of the referred customer / existing customer / referrer for promotion / post coverage of this scheme on its website and social media platforms.
  • By participating in this scheme, you give your consent to receive all updates related to this referral scheme (SMS, E-mail, WhatsApp, website/app push notifications etc.) by which we will provide you new products, facilities of Aavas Financiers Ltd. Can send updates related to services, surveys and promotional announcements.
  • Aavas reserves the right to modify/change all or any of the Terms and Conditions applicable to this Referral Scheme without assigning any reasons or without any prior intimation whatsoever.
  • Notwithstanding anything contained herein, Aavas reserves the right at any time at its absolute discretion without prior notice to vary, withdraw, cancel, or invalidate this Referral Scheme, without having to give a reason thereof, and without compensation whatsoever.
  • Under this Referral Scheme, upon a successful disbursal of a Loan by Aavas to the prospective customer as mentioned above, the Customer will be eligible for a Reward (basis the slabs mentioned below).

Terms and Conditions for the Reward Points

  • Under this Referral Scheme, upon a successful disbursal of a Loan by Aavas to the prospective customer as mentioned above, the Customer will be eligible for a Reward (basis the slabs mentioned below).
    Loan Amount Total
    up to 7.50 L 1000
    7.51 to 15 L 2500
    15.01 L – 25 L 5000
    25.01 L and above 7500
  • In case of successful disbursal for under construction loans, full loan amount will be considered for Reward calculation and the Reward will be credited after disbursal of first tranche of the Loan to the prospective customer. For all other Loans, Aavas will calculate the Reward based upon the amount of actual disbursals done.
  • Any tax, if applicable implications arising out of or on receipt of the Reward points to be borne by the customer.
  • In the event it is found that the customer has violated any of these terms and conditions of this Referral Scheme and/or engaged in any illegal or wrongful acts under applicable laws and regulations for generating successful disbursal, then Aavas shall be at liberty to initiate such action against the customer as it may deem fit.
  • The Reward points are non-transferable in nature.
  • The Reward points cannot be exchanged/clubbed with any other offer or redeemed for in cash or value.
  • The value of 1 reward point is equivalent to INR 1. The reward points can be redeemed through Amazon vouchers equivalent to reward points.
  • Any dispute arising in connection to this referral scheme is subject to Jaipur jurisdiction only.
  • The terms and conditions of the scheme drawn up in English and in Hindi language. In case of any dispute, terms of English language shall prevail.