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•   51/4, Subramaniyam Complex, Opp Carmel School, Kollampalayam, Erode-638002, TamilNadu

Rules & Regulation

Sourcing & Customer Verification

•  • Professional Conduct: Employees of the Company shall always remain professional during conversations and visits, use respectful language, and maintain modesty. They shall always identify themselves as also the Company at the beginning of every conversation with customers.
•  • No discrimination: Customers shall not be discriminated on grounds of religion, caste, marital status, or sexual orientation.
•  • Professional Conduct: Employees of the Company shall always remain professional during conversations and visits, use respectful language, and maintain modesty. They shall always identify themselves as also the Company at the beginning of every conversation with customers.
•  • Direct contact with the customers: Shall be established to avoid corrupt intermediaries or Ring leaders.
•  • Know Your Customer (KYC): Shall obtain valid KYC documents (as per requirement of Principal/ RBI) before processing loan request.
•  • Credit Assessment and Avoidance of Over-Indebtedness: The Company shall take reasonable steps to ensure that credit will be extended only if borrowers have demonstrated adequate ability to repay and such loans will not put the borrowers at significant risk of over-indebtedness. Similarly, adequate care shall be taken to ensure that non-credit financial products (such as insurance) extended to low-income customers are appropriate and all necessary details are disclosed.
•  • Use of Valid Credit Information Report: Shall be checked in association with the Principal, before sanction of loan to confirm existing indebtedness and no default status of the customer.
•  • Training, Education, and interaction: Shall be educated to ensure that the customer fully understands the product, process, and terms of contract.
•  • Transparent Terms: Pricing, terms & conditions of financial products (including interest charges, insurance premium, all fees, etc.) shall be transparent and adequately disclosed in a manner/ language understandable to the customer. The Sanction letter & Loan Agreement shall contain key information of customers and relevant details of the loan.
•  • Pushing of Third-Party Products: Customers shall not be forced to buy any third-party sale as pre-condition to access micro-credit.