Our Policy Documents
All policies below are maintained in strict accordance with RBI guidelines for NBFCs.
Fair Practice Code
Transparent, ethical, non-discriminatory lending as mandated by RBI.
Privacy Policy
How we collect, use, store, and protect your personal and financial data.
CSR Policy
Our Corporate Social Responsibility framework and community commitments.
Collection & Recovery Policy
Ethical framework for collection of dues and distressed borrowers.
Fraud Risk Management Policy
Measures to identify, prevent, and respond to fraud in lending.
Whistleblower Policy
Confidential mechanism for reporting unethical conduct or violations.
Interest Rate Policy
Methodology for interest rates, processing fees, and overdue charges.
Terms & Conditions
General terms governing use of our services, platform, and products.
IT Policy
Cybersecurity, data governance, and technology risk management.
Credit Assessment Policy
Methodology for evaluating creditworthiness and credit decisions.
Corporate Governance
Board composition, oversight, and accountability frameworks.
Grievance Redressal Policy
Framework for receiving, processing, and resolving customer complaints.
All loans are subject to credit assessment, KYC verification, and applicable RBI guidelines. Interest rates, processing fees, and charges are disclosed upfront in the Key Facts Statement (KFS) as mandated by RBI. Sankalp Capital adheres to the RBI Fair Practices Code for NBFCs.