Policies
Our Policies &
Practices
Naveen Finance Pvt. Ltd. maintains comprehensive, Board-approved policies governing its lending operations, customer relationships, regulatory compliance, and digital financial services.
All policies are formulated in compliance with applicable RBI regulations, statutory laws, and industry best practices to ensure transparency, fairness, and customer protection at every stage of the customer journey.
All policies are Board-approved and reviewed periodically for regulatory compliance
Policy documents are made publicly available to customers and stakeholders
Customers are informed of applicable policies at the time of loan application
Policy revisions are communicated to customers through appropriate channels
Policy Documents
Select any policy below to read the complete document governing that area of the Company's operations:
Fair Practices Code
Our commitment to fair, transparent, and non-discriminatory lending practices including loan application processing, terms communication, recovery practices, and grievance redressal.
Interest Rate Policy
Transparent disclosure of all applicable interest rates, processing fees, penal charges, bounce charges, foreclosure terms, and the risk-based factors determining applicable rates.
KYC / AML Policy
Customer identification and verification process, risk-based classification, AML monitoring controls, and record retention compliant with RBI KYC Directions, PMLA 2002, and FIU-IND requirements.
Privacy Policy
How we collect, use, store, and protect your personal and financial information. Your data rights, consent framework, and our information security and data protection commitments.
Terms & Conditions
Eligibility criteria, loan approval process, documentation requirements, repayment obligations, charges, default consequences, prepayment terms, and dispute resolution framework.
Terms of Use
Permitted and prohibited usage of our website, intellectual property rights, website disclaimers, external links policy, and governing law applicable to use of our digital platforms.
Digital Lending Policy
Our digital lending framework, APR and fee disclosures, customer consent process, data privacy commitments, and fair recovery and collection practices in compliance with RBI Digital Lending Guidelines.