Policies & Regulatory Documents
Complete list of internal, governance, risk, and compliance policies for transparency and trust.
List of Company Policies
Corporate Governance Policy
Guidelines for ethical, transparent, and accountable management practices.
Know Your Customer & Anti-Money Laundering Measures Policy
Procedures for verifying customer identity and preventing money laundering.
Fair Practices Code Policy
Commitment to fair, transparent, and responsible customer dealings.
Information Technology Policy
Framework for secure and efficient use of information technology resources.
Investment Policy of the Company
Principles and guidelines for prudent investment practices.
Interest Rate Policy
Policy for determining and revising interest rates for financial products.
Cash Management Policy
Procedures for secure and efficient cash handling and management.
Business Continuity Policy
Guidelines for ensuring uninterrupted operation during disruptions.
Asset Liability Management Policy
Framework for managing assets and liabilities effectively.
Risk Management Policy
Identification, assessment, and mitigation of business risks.
Internal Audit Policy
Policy for internal review and audit of processes and controls.
Risk-Based Internal Audit Policy
Audit strategy focused on risk prioritization and mitigation.
Credit Policy
Approval and management of credit for customers and partners.
Collection of Dues and Repossession Policy
Guidelines for collecting dues and repossessing assets in compliance with law.
Ombudsman Policy
Mechanism for addressing and resolving customer complaints.
Income Recognition, Asset Classification, Provisioning Norms & NPA Provisioning Policy
Norms for income recognition, asset classification, and provisioning for advances and NPAs.
Write off Policy
Guidelines for writing off bad debts and advances.
Corporate Social Responsibility Policy
Commitment and approach towards social responsibility.
Policy on Prevention of Sexual Harassment at Workplace
Safeguarding employees from harassment and ensuring a safe workplace.
Staff Management Policy
Policies for effective staff hiring, management, and retention.
Policy of Prudential Exposers Norms
Norms for maintaining prudent exposure to risks and investments.
Policy of Penal Charges on Loan Accounts
Rules for levying penalties on overdue loan accounts.
Fit and Proper Policy for Board of Directors
Criteria for the appointment and evaluation of Board members.
Policy on Loans and Advances to Directors and Senior Officers
Guidelines for lending to directors and key senior officers.
Policy for Remuneration or Compensation of Key Managerial Personnel
Compensation framework for key managerial personnel.
Policy on Fraud Risk Management & Prevention
Measures to prevent, detect, and respond to fraud risks.
Procedure to Return documents incase of demise of Borrower
To Help Customer.
Corporate Governance Policy — Details
Purpose: To ensure ethical, transparent, and efficient management of the company.
Scope: Applies to the Board of Directors, senior management, and all key stakeholders.
Main Points: Accountability, compliance with laws, protection of shareholder interests, and sustainable growth.
Know Your Customer & Anti-Money Laundering Measures Policy — Details
Purpose: To prevent financial crimes, fraud, and ensure all customers are properly identified and verified.
Scope: Applies to all customers and transactions.
Main Points: KYC documentation, risk assessment, suspicious transaction monitoring, employee training.
Fair Practices Code Policy — Details
Purpose: To ensure transparent, fair, and responsible dealings with customers.
Scope: All customer-facing activities and service delivery.
Main Points: Loan application transparency, customer rights, grievance redressal, confidentiality.
Information Technology Policy — Details
Purpose: To ensure secure, reliable, and effective use of IT systems and data.
Main Points: Data security, access controls, business continuity, regular system audits, and compliance.
Investment Policy of the Company — Details
Purpose: To lay down guidelines for the company's investments to ensure safety, liquidity, and returns.
Main Points: Authorized investment avenues, procedures for approval, and risk assessment criteria.
Interest Rate Policy — Details
Purpose: To define the methodology for setting and revising interest rates.
Main Points: Rate structure, periodic review, and transparency to customers.
Cash Management Policy — Details
Purpose: To establish procedures for cash handling and security.
Main Points: Cash receipts, disbursements, reconciliation, and internal controls.
Business Continuity Policy — Details
Purpose: To ensure uninterrupted business operations during disruptions.
Main Points: Disaster recovery, emergency response, and risk mitigation plans.
Asset Liability Management Policy — Details
Purpose: To manage assets and liabilities so as to maximize profitability while minimizing risks.
Main Points: Liquidity management, interest rate risk, and gap analysis.
Risk Management Policy — Details
Purpose: To identify, assess, and mitigate risks in company operations.
Main Points: Risk identification, risk evaluation, risk treatment, and monitoring.
Internal Audit Policy — Details
Purpose: To ensure regular review of company operations for compliance and efficiency.
Main Points: Audit planning, reporting, follow-up, and independence.
Risk-Based Internal Audit Policy — Details
Purpose: To conduct audits focused on areas with greatest risk.
Main Points: Risk assessment, audit frequency based on risk, and reporting.
Credit Policy — Details
Purpose: To lay down principles and procedures for approving and managing credit.
Main Points: Credit evaluation, approval process, risk grading, documentation.
Collection of Dues and Repossession Policy — Details
Purpose: To ensure fair and legal recovery of dues and repossession of assets.
Main Points: Collection methods, customer communication, and repossession procedures.
Ombudsman Policy — Details
Purpose: To provide a mechanism for addressing and resolving customer complaints.
Main Points: Complaint handling procedure, escalation, and timelines.
Income Recognition, Asset Classification, Provisioning Norms & NPA Provisioning Policy — Details
Purpose: To standardize income recognition, asset classification, and provisioning for NPAs.
Main Points: Recognition criteria, provisioning norms, and regulatory compliance.
Write off Policy — Details
Purpose: To outline the process for writing off bad debts.
Main Points: Criteria for write-off, approval process, and record keeping.
Corporate Social Responsibility Policy — Details
Purpose: To define the company's commitment to social and environmental responsibility.
Main Points: CSR activities, implementation, and monitoring.
Policy on Prevention of Sexual Harassment at Workplace — Details
Purpose: To create a safe and respectful workplace for all employees.
Main Points: Definitions, complaint mechanism, and disciplinary action.
Staff Management Policy — Details
Purpose: To guide recruitment, management, and development of staff.
Main Points: Hiring process, roles and responsibilities, performance review.
Policy of Prudential Exposers Norms — Details
Purpose: To maintain prudent exposure on advances and investments.
Main Points: Exposure limits, monitoring, and reporting.
Policy of Penal Charges on Loan Accounts — Details
Purpose: To govern penal charges on delayed or defaulted loan accounts.
Main Points: Charge structure, calculation, and customer communication.
Fit and Proper Policy for Board of Directors — Details
Purpose: To establish criteria for the appointment and evaluation of board members.
Main Points: Qualification, experience, integrity, and independence.
Policy on Loans and Advances to Directors and Senior Officers — Details
Purpose: To govern the process of granting loans and advances to directors and senior officials.
Main Points: Eligibility, approval, and monitoring.
Policy for Remuneration or Compensation of Key Managerial Personnel — Details
Purpose: To define compensation guidelines for top management.
Main Points: Structure, approval, and review of remuneration packages.
Policy on Fraud Risk Management & Prevention — Details
Purpose: To establish measures to prevent, detect, and address fraud.
Main Points: Prevention, detection, investigation, and disciplinary action.
Procedure to Return documents incase of demise of Borrower
Purpose: To Help Customer.
Main Points: Help and disciplinary action.