A: No. Nofino Rural Finance Private Limited is not a Non-Banking Financial Company (NBFC) registered under the Reserve Bank of India (RBI). We operate as a direct financial service provider, agent, facilitator, or technology partner. We connect individuals and businesses with structured financial solutions and partner entities where applicable.

A: Our primary focus is on empowering rural and semi-urban micro-entrepreneurs, farmers, and small business owners with accessible financial products and convenient doorstep collection facilities.

A: We offer facilitation and servicing across multiple categories tailored to local needs:

• Business & MSME Loans: Capital support for shopkeepers, traders, and small enterprises.
• Personal & Micro Loans: Short-term funding for family, medical, or education expenses.
• Group / Rural Loans: Structured financial access for rural self-help or joint liability groups.
• Gold / Asset Facilitation: Assistance in unlocking asset value for urgent liquidity.

A: General requirements include:

• Age: 18 to 65 years.
• Residency: Valid Indian identity proof (Aadhaar Card, Voter ID, or PAN Card).
• Income / Enterprise Proof: Proof of business, agriculture, or income source (minimal documentation required).

A: Once all basic verification documents and physical/digital verification checks are completed, eligible applications are processed rapidly—often within 6 to 24 hours.

A: We offer multiple repayment modes for your convenience:

1. Digital / Online Payment: UPI, Debit Cards, Net Banking, and Payment Gateways.
2. Automated Mandates: Auto-debit via e-NACH, ECS, or UPI Autopay.
3. Doorstep / Field Collection: Authorized Nofino collection agents equipped with official digital payment receipts.

A: If a duplicate payment occurs due to a technical glitch or simultaneous auto-debit and manual payment, the excess amount can either be refunded to your original bank account within 3–5 working days or adjusted against your next month's EMI schedule.

A: Do not worry. Banking system delays occasionally occur. Failed amounts are typically reversed by your bank within 3 to 7 working days. If your account does not reflect the reversal, please share your UTR number and payment receipt with our customer support team.

A: No. Nofino maintains complete transparency. All processing fees, documentation charges, and interest structures are clearly outlined in your agreement before you accept. Select loan categories also offer no prepayment or foreclosure penalties.

A: Yes. You may cancel your application prior to the completion of field verification and credit processing. Once funds have been disbursed, the application cannot be canceled and must be settled under standard prepayment/foreclosure terms.

A: Always request the representative to show their official Nofino ID card. Ensure you receive an official SMS or digital receipt on your registered mobile number immediately upon making any cash or digital payment to a field agent.

A: You can reach out to us through our official support channels: