Customer Protection Updated: 2025-11-15

Fair Practices Code

Statutory RBI Mandate: RBI/DNBR/2015-16/09 Master Direction

Executive Summary

Vyaparavijayam Trades and Agencies PVT LTD adheres strictly to the Fair Practices Code (FPC) prescribed by the Reserve Bank of India (RBI) for NBFCs. Our code ensures: 1) Clear loan application receipts with expected processing timelines. 2) Key Fact Statements (KFS) explicitly disclosing all annual percentage rates (APR), processing fees, and repayment schedules prior to sanction. 3) Timely notice of any changes in interest rates or terms. 4) Humane, non-coercive recovery practices conforming to statutory conduct rules.

Policy Record Meta:

Internal Document Code: POL-FAIR-PRACTICES-CODE

Governing Body: Asset Liability & Policy Oversight Committee

Refer to Signed Physical Document:

This document provides the high-level policy guidelines of Vyaparavijayam Trades and Agencies PVT LTD. For legal disputes or statutory regulatory filings, official certified copies signed by the Managing Director at our Registered Office in Thrissur shall take precedence.