RBI Compliance Updated: 2026-01-05

Interest Rate Policy

Statutory RBI Mandate: RBI/2006-07/138 Master Circular on Interest Rates

Executive Summary

Interest rates charged by Vyaparavijayam are determined based on a transparent matrix considering cost of funds, risk premium, operational overheads, collateral quality, and borrower credit rating. Rates are benchmarked periodically by our Asset Liability Committee (ALCO).

Policy Record Meta:

Internal Document Code: POL-INTEREST-RATE-POLICY

Governing Body: Asset Liability & Policy Oversight Committee

Refer to Signed Physical Document:

This document provides the high-level policy guidelines of Vyaparavijayam Trades and Agencies PVT LTD. For legal disputes or statutory regulatory filings, official certified copies signed by the Managing Director at our Registered Office in Thrissur shall take precedence.