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Policy Library

RBI, Companies Act and board governance policies.

Sixteen board-approved policies organised across four categories. Each entry includes a PDF download placeholder for the final approved document.

Lending Operations & Customer Protection.

Customer-facing conduct standards, rate transparency and borrower education policies mandated under RBI Fair Practice Code guidelines.

Fair Practice Code

Board-approved conduct framework covering loan applications, disbursement, recovery and customer communication.

A-01
Fair Practice Code — EnglishCustomer conduct framework approved by the Board of Directors.
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A-02
Fair Practice Code — BengaliRegional language customer disclosure for West Bengal borrowers.
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Pricing & Consumer Education

Interest rate methodology, spread disclosure and responsible borrowing awareness material.

A-03
Interest Rate PolicyPricing methodology, applicable spread and communication standards.
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A-04
Consumer Education PolicyAwareness material for responsible borrowing and complaint escalation routes.
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Statutory Core NBFC Compliances.

Mandatory compliance policies prescribed under RBI NBFC Master Directions, including KYC, outsourcing governance and auditor independence.

KYC & Anti-Money Laundering

Customer identification, risk categorisation, transaction monitoring and regulatory reporting.

B-01
KYC & AML PolicyCustomer identification, risk categorization, CDD and AML monitoring controls.
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Outsourcing & Auditor

Governance of vendor relationships, business continuity and statutory auditor appointment standards.

B-02
Outsourcing Policy for Financial & Technological Services
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B-03
Statutory Auditor Appointment PolicyEligibility criteria, rotation schedule and independence framework.
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Board Governance & Codes.

Board-approved codes establishing governance process, director conduct, remuneration principles and independent director appointment terms.

Governance & Conduct

Board process, committee oversight and director fiduciary responsibilities.

C-01
Corporate Governance PolicyBoard process, committee oversight and disclosure discipline.
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C-02
Code of Conduct for Directors & Senior ManagementEthics, conflict of interest management and fiduciary responsibilities.
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Remuneration & Independent Directors

Performance evaluation, remuneration determination and independent director terms.

C-03
Remuneration PolicyNomination, remuneration and performance evaluation principles for Board and KMP.
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C-04
Terms & Conditions for Appointment of Independent DirectorsAppointment letter, duties, obligations and expected conduct of Independent Directors.
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Risk & Internal Controls.

Enterprise risk management, related party transaction governance, CSR policy and protected disclosure mechanisms.

Risk & Related Parties

Credit, liquidity, operational and compliance risk controls alongside RPT oversight.

D-01
Risk Management PolicyCredit, liquidity, operational and compliance risk identification and controls.
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D-02
Related Party Transactions (RPT) PolicyIdentification, Board approval workflow and reporting of related party transactions.
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CSR, Vigil & Documents

Corporate social responsibility governance, protected reporting and document retention.

D-03
Corporate Social Responsibility (CSR) PolicyCSR governance, eligible activities and annual action plan structure (Section 135).
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D-04
Whistle Blower & Vigil Mechanism PolicyProtected reporting channels, investigation framework and non-retaliation assurance.
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D-05
Preservation of Documents PolicyRetention schedules, custody standards and archival practices for statutory records.
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