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CHEMMANUR FAIR PRACTICE CODE

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(As per per the amended guidelines issued by RBI vide circular RBI/2015-16/16 DNBS (PD) CC.No.054/03.10.119/2015-16 dated 01.07.2015)

The Company has framed its Fair Practices Code (FPC), which is in tune with the guidelines issued by The Reserve Bank of India from time to time. The code prescribes fair practice standards while dealing with the customers and to serve in the best interests of the company. The Code is applicable to all aspects of operations of the company. It shall be our policy to make our services available to all qualified applicants without discrimination of any kind and to treat our customers fairly. We offer all sorts of assistance and encouragement in a fair, equitable and consistent manner.We are committed to ensure that our charges are properly and timely informed to the existing and prospective borrowers. Disputes, if any; will be resolved by the Grievance Redressal Mechanism set up within the Company. We shall ensure employee accountability at all levels of our operations. The Board and senior management will be responsible to ensure our commitment to fair and reasonable practices as also to ensure high quality services to our clients. We shall ensure the fair practices in all our operations. This will be applicable irrespective of the fact that the service is provided at our branches or head office or over phone or by email.

KEY AREAS

APPLICATIONS FOR LOANS AND THEIR PROCESSING

LOANS APPRAISAL AND TERMS/CONDITIONS

DISBURSEMENT OF LOANS INCLUDING CHANGES IN TERMS AND CONDITIONS

GENERAL

GRIEVANCE REDRESSAL MECHANISM

CONFIDENTIALITY

The company shall treat all personal information of its borrowers as private and confidential and will not reveal any information to any other entity other than for regulatory/statutory matters.