Fair Practices Code.

Every application is acknowledged, and we tell you upfront what documents are needed — nothing more than necessary. We communicate in a language you are comfortable with, and we give you a clear timeline for a decision, which for most products is the same day.

Loan terms — the interest rate, the EMI, the tenure and every charge — are communicated in writing before sanction, and the loan begins only after you accept them. The annualised rate of interest is stated explicitly. There are no charges that appear later.

Funds are disbursed as agreed, without delay. Any change in terms — including interest rates and charges — is communicated to you in advance, and changes apply prospectively only.

We do not use intimidation or harassment of any kind in collection. Our team contacts you at reasonable hours, respects your privacy, and works with you to find a way through genuine difficulty. Decades of repeat customers are the proof this approach works.

On full repayment, pledged security — including gold ornaments — is released immediately, subject only to any legitimate right of set-off, which would be communicated with full details.

If anything falls short, we want to hear it. Our grievance mechanism — with contact details, timelines and the escalation path to the RBI — is published on the Grievance Redressal page.

The Board of Directors periodically reviews compliance with this Code and the functioning of the grievance redressal mechanism.