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Customer Protection Updated: 2025-11-30

Loan Recovery Policy

Executive Summary
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Our recovery policy emphasizes respectful customer dialogue and humane recovery procedures. Authorized staff and recovery representatives strictly adhere to RBI timing restrictions (8:00 AM to 7:00 PM), maintain confidentiality, and forbid coercion or harassment.
Policy Record Meta:
Internal Document Code: POL-LOAN-RECOVERY-POLICY
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.