Our Lending Partners

Lumetronix Bluetech Private Limited is not a lender. We are a Lending Service Provider (“LSP”) as defined under the Reserve Bank of India (Digital Lending) Directions, 2025.

We are engaged by the Regulated Entities listed below to perform customer acquisition, underwriting support and servicing on their behalf. All loans are extended by, and all credit decisions are taken by, the Regulated Entity named in your Key Fact Statement and loan agreement.

Separately from this role, Lumetronix Bluetech Private Limited supplies, installs and services Wingzman-branded batteries in its own capacity as principal. That relationship is governed by our Terms of Use and is separate from any loan you may take from a Regulated Entity.

Every loan disbursal is made directly from the Regulated Entity to your bank account, and every repayment is made directly from your bank account to the Regulated Entity. No loan money passes through Lumetronix Bluetech Private Limited’s accounts.

Inclusion of a Regulated Entity in this list reflects a commercial arrangement with NARENDRA FINANCE CO PVT LTD. It does not imply any endorsement by the Reserve Bank of India.

Where more than one of our lending partners is willing to extend a loan to you, we will show you all available offers before you choose. For each offer we display, at minimum:

• •the name of the Regulated Entity making the offer;
• •the loan amount;
• •the Annual Percentage Rate (APR);
• •the tenor;
• •the repayment terms and schedule;
• •all applicable fees and charges.

Offers are presented in a neutral, unbiased manner. We do not favour one lending partner over another on the basis of commercial arrangements between us and that partner.

Our matching and ranking logic. Offers are ranked by lowest Annual Percentage Rate, loan to value ratio, disbursal time and serviceability.

Complaints may be raised with us at any time. Our Nodal Grievance Redressal Officer is:

Our full Grievance Redressal Policy, including timelines and the escalation path, is available at https://wingzman.com/grievance. If your complaint is not resolved within 30 days, is rejected, or you are dissatisfied with the outcome, you may escalate it to the Reserve Bank of India:

• •RBI Complaint Management System — cms.rbi.org.in
• •RBI Sachet Portal — sachet.rbi.org.in
• •Toll-free — 14448
• •By post — Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017

• •Privacy Policy
• •Grievance Redressal Policy
• •Terms of Use
• •Sample Key Fact Statement