1. Introduction

This Fair Practices Code (FPC) is framed in line with guidelines issued by the for Non-Banking Financial Companies (NBFCs).

SSK Finance is committed to transparency, ethical business practices, and customer-centric service while providing financial solutions.

The Company shall conduct its operations in compliance with applicable laws, ensuring fairness and non-discrimination in all dealings with customers.

2. Key Commitments

• Act fairly and reasonably in all customer dealings
• Ensure products comply with regulatory guidelines
• Maintain transparency in communication
• Provide clear product information in simple language
• Resolve customer complaints promptly
• Reverse erroneous charges where applicable

3. Sales Origination

• Provide clear product details to customers
• Explain documentation and KYC requirements
• Guide customers on suitable products
• Ensure responsible conduct by Direct Sales Agents (DSAs)

4. Loan Processing

• Applications shall include all relevant information
• Acknowledgment shall be provided for loan applications
• Loan terms including interest rate shall be communicated clearly
• Loan agreements shall be provided to borrowers
• Changes in terms shall be communicated in advance

5. General Guidelines

• No interference in borrower affairs beyond agreement terms
• Transparent handling of loan transfer requests
• No coercive recovery practices
• No foreclosure charges on floating rate loans to individuals

6. Grievance Redressal

The Company has established a structured grievance redressal mechanism. Customers can escalate complaints through defined levels.

If complaints are not resolved within one month, customers may approach the regional office of RBI.

7. Confidentiality

• Customer information will be kept confidential
• Information will not be shared except under legal obligations
• Data will not be used for unauthorized marketing

8. Miscellaneous

The Company will review and update this policy periodically in line with regulatory changes and business requirements.