Policies & disclosures
Everything we have committed to, in writing.
Board-approved policies, the codes we follow, and the disclosures the Reserve Bank of India requires of a registered NBFC. Read them before you borrow, or whenever you need them.
01
Customer policies
How we price, treat and protect borrowers.
- Read
Fair Practices Code
Board-approved code governing how we lend, communicate and collect.
- Read
Interest Rate & Penal Charges Policy
How interest, processing fees and penal charges are set and disclosed.
- Read
Approach for Gradation of Risk
The factors that decide the rate offered to a borrower.
- Read
Grievance Redressal Policy
Channels, timelines and escalation for complaints.
- Read
Grievance Escalation Matrix
Who to contact at each level, and how long each step takes.
02
Regulatory disclosures
Information the Reserve Bank of India requires us to publish.
- Read
Digital Lending Disclosures
Our Lending Service Provider and digital lending platform, and your rights as a digital borrower.
- Read
Our Lending Partner
Details of Tap4Loan, the platform where you apply.
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Recovery & Collection Agents
Agencies authorised to contact borrowers about dues, and our collection conduct.
- Read
SMA / NPA Classification
How overdue accounts are classified, with a worked example.
- Read
RBI Integrated Ombudsman Scheme
How to take an unresolved complaint to the Reserve Bank.
- Read
Key Fact Statement
What every borrower receives before accepting a loan.
03
Legal
Terms that apply when you use our website or borrow from us.
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Terms & Conditions
Use of the website, the application facility and loan services.
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Privacy & Security Policy
What personal data we collect, why, and how it is protected.
- Read
Cancellation & Refund Policy
Cancelling an application, the cooling-off period and refunds.
- Read
Fraud Advisory
How to recognise and report anyone impersonating us.
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