Statutory Policies & RBI Guidelines

Mandated RBI guidelines ensuring fair treatment, transparent loan terms, non-coercive recovery, and clear communications with all borrowers.

Know Your Customer (KYC) and Anti-Money Laundering (AML) standards for customer identification, verification, and transaction monitoring.

Three-tier escalation framework for customer complaints, defining resolution timelines, Grievance Redressal Officer contact, and RBI Ombudsman access.

Data protection standards outlining how customer personal information, financial records, and digital credentials are handled, stored, and safeguarded.

General terms governing the use of Vyaparavijayam services, website portals, loan agreements, and customer obligations.

Model for determining interest rates, risk premiums, penal charges, and processing fees in accordance with RBI directives.

Ethical recovery guidelines governing staff conduct, communication hours, overdue reminders, and legal recourse for defaulted accounts.

Confidential mechanism enabling employees, customers, and stakeholders to report fraudulent activities, ethical breaches, or regulatory non-compliance.

Board oversight framework, committee structures (Audit, Risk, ALCO, Nomination), and ethical leadership standards.

High-level information technology architecture, data encryption, cyber threat mitigation, and business continuity protocols.