Lending Partners

Pregacoach Technologies Private Limited operates the Pregacoach platform as a Lending Service Provider (LSP) and Digital Lending App under the Reserve Bank of India’s Guidelines on Digital Lending, 2022. We help expecting families discover and apply for delivery and maternity-care financing offered by RBI-regulated lenders.

This page is published so you always know who actually lends the money and what protections apply. It supplements our Terms of Service and Privacy Policy.

What Pregacoach does:

• shows you financing options from RBI-regulated NBFC partners;
• with your explicit consent, passes your application and documents to the NBFC(s) you choose;
• presents the NBFC’s Key Fact Statement (KFS) so you can compare before you decide.

What Pregacoach never does:

• lend money or use its own funds;
• set interest rates, underwrite, or make the credit decision;
• disburse the loan or collect EMIs — funds always move directly between you and the NBFC’s bank account, never through a Pregacoach account;
• charge you any fee for the referral. Any LSP fee is paid to us by the NBFC, not added to your loan.

1. You choose to explore financing for a care package or delivery.
2. You give a fresh, purpose-bound consent naming the NBFC(s) your application can be shared with.
3. The NBFC assesses your application and, if approved, issues a Key Fact Statement showing the loan amount, annual percentage rate (APR), tenure, all fees and the cooling-off period.
4. You review and sign the agreement directly with the NBFC. The NBFC disburses funds directly to your bank account.
5. You repay the NBFC per your agreement. Pregacoach is not part of the repayment.

The RBI Digital Lending Guidelines, 2022 give you specific rights, which our partners must honour:

• Key Fact Statement (KFS): a standardised summary with the all-inclusive APR, before you borrow.
• Cooling-off / look-up period: you may exit the loan by repaying the principal and proportionate APR, without penalty, within the period stated in your KFS.
• Direct disbursal and repayment: money flows only between your bank account and the regulated lender — never through Pregacoach or any pass-through account.
• No automatic increase in your credit limit without your explicit consent.
• Fair recovery conduct: recovery is handled by the regulated lender within RBI norms; harassment is prohibited and can be reported.
• Data privacy: we collect only the data needed for your application, with your consent, and you can withdraw it — see our Privacy Policy.

Where any arrangement involves a Default Loss Guarantee, it operates strictly within the RBI’s Guidelines on Default Loss Guarantee in Digital Lending, 2023. Such an arrangement is between the lender and the guarantee provider only; it does not change your obligations, your interest rate, or your rights as a borrower, and it is never funded from your loan.

Before you accept any offer, the specific NBFC’s legal name and RBI Certificate of Registration (CoR) number are shown to you in the app, alongside its Key Fact Statement. As partners go live, they are also published in the table below so this disclosure stays current. You can verify any NBFC’s registration on the RBI website.