All policies are reviewed annually by the Board and updated as per RBI directions. Each is available for download, and a printed copy is available at any branch on request.
| Policy / Document | Description | Last Updated | Download |
|---|---|---|---|
| Fair Practices Code | Customer-facing commitments on transparency, fair pricing, grievance redressal — mandatory under RBI Master Direction for NBFCs. | Apr 2025 | |
| Interest Rate Policy | Framework for determining interest rates by product, risk, and customer category. Annexure 1 lists current rate ranges by product. | Apr 2025 | |
| KYC & AML Policy | Know-Your-Customer and Anti-Money-Laundering framework per RBI Master Direction on KYC. | Apr 2025 | |
| Privacy Policy | How we collect, process, store, share, and protect customer personal information. | Feb 2025 | |
| Customer Grievance Policy | 3-tier escalation matrix and turnaround times for complaint resolution. | Mar 2025 | |
| Cyber Security & IT Policy | IT controls, data protection, and incident response per RBI's IT Framework for NBFCs. | Mar 2025 | |
| Outsourcing Policy | Governance for outsourced services per RBI's directions on outsourcing of financial services. | Feb 2025 | |
| Whistle-Blower Policy | Protection for employees and stakeholders reporting unethical conduct. | Jan 2025 | |
| Risk Management Policy | Credit, operational, market, and liquidity risk framework. | Jan 2025 | |
| Most Important Terms & Conditions (MITC) | Standard borrower-facing summary of loan T&Cs for transparency. | Jan 2025 |