The domain name ayushfiscal.com (“Website”) is owned by Ayush Fiscal Private Limited, a Non-Banking Financial Company registered with the RBI, having its registered office at 9, Lal Bazar Street, 3rd Floor, Block A, Kolkata, West Bengal, India, 700001. The Company is engaged in providing credit and finance to eligible entities, including partnership firms, companies, and other legal entities for their business requirements such as working capital, vendor/invoice financing, and other allied services.

• Ensure adherence to RBI guidelines and applicable laws.
• Promote fair, transparent, and ethical business practices.
• Safeguard customer interests and protect confidential information.
• Streamline operational procedures for consistency and efficiency.
• Establish a robust grievance redressal mechanism.

This Policy and Procedures document applies to all employees, departments, and stakeholders engaged in the Company's lending and associated financial activities.

• Loans are extended only to legal entities such as companies, partnership firms, and other non-individual entities.
• No unsecured loans or collateral-free loans to individuals are provided.
• Documentation requirements: Valid business registration documents, KYC of business entities, financial statements, and any other documents as required by regulatory guidelines.
• All KYC and AML (Anti-Money Laundering) norms as mandated by RBI and other authorities will be strictly followed.

• Applications will be accepted via official channels, including online and physical submission.
• Applicants must provide complete and accurate information with supporting documentation.
• Upon receipt, the Company will acknowledge the application within 2 working days and communicate expected timelines for processing.
• Applications will be assessed promptly, ensuring transparency in decision-making.

• The credit appraisal process includes evaluation of the applicant's financial health, repayment capacity, and risk profile.
• Interest rates and fees are fixed as per the Board-approved policy and disclosed upfront.
• All loan terms and conditions will be communicated in writing, in a language understandable to the customer.
• No penal or prepayment charges will be levied on floating rate loans as per RBI regulations.

• Disbursement will occur only after signing a formal loan agreement with all terms clearly stated.
• The Company ensures proper execution of security documentation wherever applicable.
• Funds will be disbursed to the verified business bank account of the borrower.
• Post-disbursement, customers will be provided with a repayment schedule.

• Interest rates are determined based on the cost of funds, risk premium, and margins as approved by the Board.
• All charges including penal charges for delayed payments will be transparently communicated in the loan agreement.
• No capitalisation of penal charges.
• The Company will not levy any hidden or unauthorized fees.

• The Company commits to providing clear and timely communication regarding loan status, repayments, changes in terms, and any other relevant information.
• Customer education initiatives will be undertaken to promote awareness of loan products, repayment obligations, and grievance redressal processes.

• Customer information is strictly confidential and handled in compliance with applicable data protection laws.
• Data is shared only when authorized by the customer or required by law/regulation.
• Adequate IT and physical security measures are maintained to protect customer data.

• Customers can register grievances via email at nodal.grievance@ayushfiscal.com or through the Company's website/contact center.
• All grievances will be acknowledged within 2 working days.
• Resolution will be provided within 30 calendar days, or customers will be updated on progress if delays occur.
• The grievance redressal officer will ensure fair and impartial handling of complaints.
• Unresolved grievances may be escalated to the RBI or other regulatory authorities as per applicable laws.

• Regular training programs will be conducted for employees on regulatory compliance, ethical lending, customer service, and data privacy.
• Employees will be sensitized to handle customers with respect and professionalism, including persons with disabilities.

• The Compliance Department will periodically monitor adherence to policies and procedures.
• Internal audits will assess operational effectiveness and regulatory compliance.
• This Policy will be reviewed at least annually or as needed to incorporate regulatory changes or operational improvements.

• Any deviations from this Policy by employees or departments will be subject to corrective actions, including disciplinary measures as per Company rules.
• Customers are expected to comply with agreed terms and provide accurate information; any fraudulent activity will be dealt with strictly.

• The Company reserves the right to amend this Policy and Procedures document from time to time.
• Changes will be communicated to customers via the website or other communication channels.