Question 1

What are the benefits of becoming a Lark Partner?

Accepted Answer

By joining as a Lark Partner, you can: enable seamless loan against securities (LAS) journeys for your clients, offer subscription-based digital infrastructure (Lark Edge, Vault, Grid, OS) to grow your business, get access to white-labeled portals, APIs, SDKs, and priority support depending on your plan, and unlock additional income opportunities by referring advisors, MFDs, and enterprises.

Question 2

Do I need to be an ARN holder to use Lark Finserv?

Accepted Answer

No. ARN is not mandatory to start using Lark Finserv. Our platform is built for MFDs, IFAs, fintechs, and enterprises, regardless of ARN registration.

Question 3

When and how will my subscription benefits start?

Accepted Answer

Once you subscribe, your account goes live instantly (10 minutes to 24 hours, depending on your plan). Free trial is available for 30 days across all plans. Billing is done monthly, and you can upgrade or downgrade anytime.

Question 4

How does Lark Finserv ensure my privacy and security?

Accepted Answer

Lark Finserv safeguards your privacy and security through OTP-based authentication for critical requests. All sensitive data is stored on secure servers with advanced encryption, and we strictly follow industry-leading security practices required in the BFSI sector to keep your information protected at all times.

Question 5

Which mutual funds and securities are eligible for loans?

Accepted Answer

We support a wide range of Equity, Debt, and Hybrid funds, depending on lender eligibility. ELSS and locked-in schemes may not be supported.

Question 6

How can customers make loan repayments?

Accepted Answer

Repayments are made directly to the lender's account using NEFT, RTGS, or IMPS. Loan balances are updated within the same business day.

Question 7

Are there any hidden charges?

Accepted Answer

No. Apart from your monthly subscription, there are no hidden fees. Transactional charges, if any, are disclosed upfront.

Question 8

Is Lark Finserv secure?

Accepted Answer

Absolutely. Lark Finserv follows RBI and SEBI compliance, with enterprise-grade encryption, OTP authentication for critical actions, secure hosting on trusted servers, and access control & team permissions on higher plans.

Question 9

What happens if my subscription expires?

Accepted Answer

You'll have a three-day grace period with full platform access following expiration. On day four, services will pause while preserving all data for 90 days. Renewing at any time during this period instantly restores access without data loss.

Question 10

Who should I contact for partner queries?

Accepted Answer

Email partnerships@larkfinserv.com — there's a dedicated manager for Grid/OS partner queries.

Question 11

How do we calculate loan offers and display lenders?

Accepted Answer

We fetch your mutual fund details and calculate your eligibility across all our partnered lenders. The credit limit is calculated based on each lender's LTV (Loan-to-Value ratio) and the approved fund value shared by them. The lender offering the highest credit limit is shown at the top, followed by offers from all other available lenders. No offer is pre-selected, and the order carries no fixed sequence or preference toward any particular lender.

Frequently Asked Questions