Fair Practice Code

• We communicate all loan details clearly in the vernacular or language of the borrower's choice wherever feasible
• Application forms are simple and contain all necessary disclosures
• We acknowledge receipt of every application and disclose the time frame for processing
• We do not discriminate based on gender, caste, religion, or physical ability

• Every applicant receives a Key Fact Statement (KFS) containing loan amount, interest rate, fees, tenure, and EMI before sanction
• Rejections are communicated with reasons in writing
• Penal interest rates for default are disclosed upfront in bold
• No hidden charges — every fee is disclosed in the loan agreement

• Disbursement is made only after KFS acceptance and all conditions are met
• Any change in terms, interest rate, or charges is communicated in advance
• Changes are applied prospectively only

• We do not resort to harassment, intimidation, or coercion in any recovery action
• Our recovery agents follow RBI guidelines and our code of conduct strictly
• Borrowers are contacted between 8 AM and 7 PM only, except with prior consent
• We maintain detailed records of all recovery interactions

We operate a three-tier grievance redressal mechanism:

• Level 1: Customer service team — resolved within 7 days
• Level 2: Customer Relationship Manager Mr. Anuj Patel
• Level 3: Nodal/Grievance Officer Mr. Manish Soni — resolved within 15 working days
• Escalation: RBI Integrated Ombudsman (cms.rbi.org.in, toll-free 14448) if unresolved after 30 days

All activities are subject to RBI regulation and supervision. We comply with the RBI Digital Lending Guidelines, Know Your Customer norms, and Anti-Money Laundering standards.

This code is reviewed annually and updated to reflect regulatory changes and best practices. The latest version is always available on this page.