Transparency
Policies & Compliance
As an RBI-registered NBFC, we maintain clear policies covering all aspects of our operations. All policies are reviewed and approved by the Board of Directors.
All policies comply with RBI Master Directions for NBFCs and are reviewed at least annually.
RBI-Mandated Policies
Fair Practices Code
Our commitment to transparent, responsible, and fair lending practices as mandated by the RBI.
Last updated: 01 April 2024
Interest Rate Policy
Methodology for determining interest rates, APR computation, and currently applicable rate ranges.
Last updated: 01 April 2024
Most Important Terms & Conditions (MITC)
Key terms every borrower must understand before entering into a loan agreement.
Last updated: 01 April 2024
Key Fact Statement (KFS) Template
Standardised disclosure template provided to every retail borrower at the time of loan sanction.
Last updated: 01 April 2024
Penal Charges Policy
Policy on penal charges (not penal interest) applicable on loan defaults, effective April 2024.
Last updated: 01 April 2024
Grievance Redressal Policy
How we handle customer complaints: escalation matrix, timelines, and external redressal mechanisms.
Last updated: 01 April 2024
Recovery Policy
Our ethical and RBI-compliant approach to loan recovery and management of stressed assets.
Last updated: 01 April 2024
KYC / AML Policy
Know Your Customer and Anti-Money Laundering policy in compliance with PML Act and RBI guidelines.
Last updated: 01 April 2024
Outsourcing Policy
Policy governing outsourcing of financial services and related activities as per RBI guidelines.
Last updated: 01 April 2024
Governance & Digital Policies
Data Privacy Policy
How we collect, use, store, and protect your personal data under the DPDP Act, 2023.
Last updated: 01 April 2024
Cookie Policy
How we use cookies and similar tracking technologies on our website.
Last updated: 01 April 2024
Whistle Blower Policy
Mechanism for employees and stakeholders to raise concerns about unethical conduct confidentially.
Last updated: 01 April 2024
Code of Conduct
Standards of ethical behaviour expected from all directors, employees, and representatives.
Last updated: 01 April 2024
Fraud Risk Management Policy
Framework for prevention, detection, and reporting of fraud in lending operations.
Last updated: 01 April 2024
Cyber Security Policy
Policy for protecting information assets, customer data, and IT infrastructure from cyber threats.
Last updated: 01 April 2024