We Are Here to Help You.
Have questions about a loan issue, credit report discrepancy, or government digital application? Speak directly with our friendly advisory team today.
Contact Us Directly
Choose your preferred mode of communication for prompt support:
Office & Timing
Jankalyanalay, Near Bandhan Bank, School Chowk, Kaluahi, Madhubani, Bihar 847229
Jankalyanalay, Near Shree Vinayak Library Khanpur Bazar, Samastipur, Bihar 848117
Frequently Asked Questions
Important information about our scope of work, timelines, and commitments:
Q1Can you guarantee that my negative loan record will be deleted?
No. In accordance with RBI guidelines and CICRA regulations, accurate records of legitimate default or delay cannot be deleted arbitrarily. However, if a record is reported erroneously, displays incorrect balances, belongs to a fake loan taken on your PAN, or remains marked 'written-off' after you obtained an official NOC, we guide you through lawful bureau dispute channels to get it rectified.
Q2How long does a credit bureau dispute take?
By law (under the Credit Information Companies Rules), credit bureaus (CIBIL, Experian, CRIF, Equifax) must investigate and conclude disputes within 30 days of filing. They reach out to the reporting bank or NBFC for verification before updating the credit report.
Q3Is it safe to share my documents with Janakalyanalay?
We maintain strict client confidentiality. Furthermore, we explicitly advise all citizens NOT to share sensitive passwords, net-banking logins, OTPs, or debit card CVVs. We only review relevant credit report excerpts or public form details needed for formal grievance drafting.
Q4Do I need to visit your physical centre for CSC services?
Many digital services, such as online exam form filling, PAN application guidance, and grievance ticket tracking, can be facilitated remotely via phone and WhatsApp. For services requiring physical biometric scanning (such as Aadhaar updates), applicants are guided to authorized designated public centres.
Q5Do you provide direct loans?
No. Janakalyanalay is an independent advisory and assistance centre. We are neither a bank, NBFC, nor money lender. We assist you in assessing your loan eligibility, identifying documentation shortcomings, and preparing neat loan files for submission to recognized banks.