🛡️ RBI-aligned customer communication 🛡️ RBI मार्गदर्शक तत्त्वांनुसार ग्राहक माहिती

Fair Practices Code

न्याय्य आचार संहिता

ANIK Financial Services Pvt. Ltd. follows customer-first conduct standards for transparent loan communication, fair treatment, respectful recovery, proper loan records and grievance redressal for microfinance borrowers.

ANIK Financial Services Pvt. Ltd. ग्राहकांना पारदर्शक कर्ज माहिती, न्याय्य वागणूक, सन्मानपूर्वक वसुली, योग्य loan records आणि तक्रार निवारण देण्यासाठी ग्राहक-केंद्रित आचार मानके पाळते.

View grievance routeतक्रार प्रक्रिया पहा

📄 Clear loan terms🧾 Payment receipt🤝 Respectful conduct📣 RBI CMS route

Public display content for customers

ग्राहकांसाठी सार्वजनिक माहिती

This page is designed to explain ANIK’s Fair Practices Code in simple language for borrowers, applicants and stakeholders.

हे पेज कर्जदार, अर्जदार आणि stakeholders यांना ANIK ची Fair Practices Code सोप्या भाषेत समजावण्यासाठी तयार केले आहे.

FPCBoard-approved policy displayBoard-approved policy display

KFSKey loan disclosuresमहत्त्वाची कर्ज माहिती

30 DaysRBI escalation windowRBI escalation कालावधी

CMSRBI complaint portalRBI complaint portal

Language Optionभाषा पर्याय

Switch this page between English and Marathi.

हे पेज इंग्रजी किंवा मराठीत पाहण्यासाठी पर्याय निवडा.

🧭 Easy customer guide🧭 सोपी ग्राहक मार्गदर्शिका

Fair Practices Code — easy to understand

न्याय्य आचार संहिता — सोप्या भाषेत

Clear commitments for loan application, sanction, pricing, recovery conduct, loan card and complaint support.

कर्ज अर्ज, मंजुरी, pricing, वसुली पद्धत, loan card आणि तक्रार निवारणासाठी स्पष्ट बांधिलकी.

📝

Loan application process

कर्ज अर्ज प्रक्रिया

Documents, eligibility, loan purpose, repayment capacity and application process will be explained before taking customer consent/signature.

ग्राहकांची संमती/सही घेण्यापूर्वी कागदपत्रे, पात्रता, कर्जाचा उद्देश, repayment capacity आणि अर्ज प्रक्रिया समजावली जाईल.

Customer should rememberग्राहकांनी लक्षात ठेवावेGive correct information and ask doubts before signing.योग्य माहिती द्या आणि सही करण्यापूर्वी शंका विचारा.

📄

Sanction letter & agreement

Sanction letter व agreement

Sanction terms, loan amount, tenure, repayment schedule, charges and key conditions should be communicated clearly.

मंजुरी अटी, कर्ज रक्कम, कालावधी, परतफेड वेळापत्रक, शुल्क आणि महत्त्वाच्या अटी स्पष्टपणे सांगितल्या जातील.

Customer should rememberग्राहकांनी लक्षात ठेवावेRead or understand all loan papers before signing.सहीपूर्वी loan papers वाचून/समजून घ्या.

💰

Interest & charges transparency

व्याज व शुल्क पारदर्शकता

Applicable interest, processing charges, insurance/non-credit product charges and repayment obligations will be disclosed as applicable.

लागू व्याज, processing charges, insurance/non-credit product charges आणि repayment obligations लागू असल्यास स्पष्ट सांगितल्या जातील.

Customer should rememberग्राहकांनी लक्षात ठेवावेTake receipt or digital record for every payment.प्रत्येक पेमेंटची पावती किंवा digital record घ्या.

📘

Loan card details

Loan card माहिती

Loan card/customer record should contain key borrower, loan, repayment and grievance details in a customer-friendly manner.

Loan card/customer record मध्ये ग्राहक, कर्ज, परतफेड आणि grievance ची महत्त्वाची माहिती ग्राहकाभिमुख पद्धतीने असावी.

Customer should rememberग्राहकांनी लक्षात ठेवावेKeep loan card and receipts safely.Loan card आणि पावत्या सुरक्षित ठेवा.

🤝

Recovery conduct

वसुली पद्धत

Recovery follow-up should be respectful, transparent, non-coercive and should protect borrower dignity and privacy.

वसुली follow-up सन्मानपूर्वक, पारदर्शक, जबरदस्तीविरहित आणि ग्राहकाचा सन्मान व privacy जपणारा असावा.

Customer should rememberग्राहकांनी लक्षात ठेवावेReport inappropriate behaviour immediately.अयोग्य वर्तन झाल्यास त्वरित तक्रार करा.

📣

Complaint mechanism

तक्रार निवारण

Complaints should be recorded, reviewed and escalated through ANIK’s internal grievance process.

तक्रारींची नोंद, तपासणी आणि escalation ANIK च्या अंतर्गत grievance process नुसार केली जाईल.

Customer should rememberग्राहकांनी लक्षात ठेवावेKeep complaint reference and supporting documents.Complaint reference आणि पुरावे जपून ठेवा.

🔁 Loan journey🔁 कर्ज प्रक्रिया

Customer communication at each stage

प्रत्येक टप्प्यावर ग्राहक संवाद

Application

अर्ज

Purpose, documents, eligibility and required information are explained.

उद्देश, कागदपत्रे, पात्रता आणि आवश्यक माहिती समजावली जाते.

Appraisal

तपासणी

Repayment capacity, credit checks and customer details are reviewed.

Repayment capacity, credit checks आणि customer details तपासले जातात.

Sanction

मंजुरी

Loan amount, tenure, instalment, charges and conditions are communicated.

कर्ज रक्कम, कालावधी, हप्ता, शुल्क आणि अटी सांगितल्या जातात.

Servicing

सेवा

Receipts, loan card, repayment support and grievance route are available.

पावत्या, loan card, repayment support आणि grievance route उपलब्ध असतात.

✅ ANIK commitments✅ ANIK ची बांधिलकी

Transparent service

पारदर्शक सेवा

✓Loan terms should be explained in a language understood by the borrower.कर्जाच्या अटी ग्राहकाला समजणाऱ्या भाषेत समजावल्या जातील.

✓Repayment schedule, charges and obligations should be clearly communicated.परतफेड वेळापत्रक, शुल्क आणि जबाबदाऱ्या स्पष्टपणे सांगितल्या जातील.

✓Receipts or digital records should be available for collections/payments.वसुली/पेमेंटसाठी पावती किंवा digital record उपलब्ध असावा.

✓Non-credit products, if any, should be offered with clear explanation and customer consent.Non-credit products असल्यास स्पष्ट माहिती व ग्राहक संमतीनेच दिले जातील.

🤝 Conduct standards🤝 वर्तन मानके

Fair behaviour

न्याय्य वर्तन

✓Staff should communicate respectfully with borrowers and families.कर्मचाऱ्यांनी ग्राहक आणि कुटुंबाशी सन्मानपूर्वक संवाद साधावा.

✓Forced, abusive or intimidating collection behaviour should not be used.जबरदस्ती, अपमानास्पद किंवा धमकीची वसुली पद्धत वापरली जाणार नाही.

✓Staff should protect customer privacy and document confidentiality.कर्मचाऱ्यांनी customer privacy आणि document confidentiality जपावी.

✓Customer complaints should be recorded and reviewed through proper channels.ग्राहक तक्रारींची योग्य नोंद आणि तपासणी केली जाईल.

📘 Loan card / customer record📘 Loan card / customer record

Important details to be shown

दाखवायची महत्त्वाची माहिती

1Borrower name, loan account/member ID and branch details.कर्जदाराचे नाव, loan account/member ID आणि branch details.

2Loan amount, tenure, repayment frequency and instalment information.कर्ज रक्कम, कालावधी, repayment frequency आणि हप्ता माहिती.

3Charges/fees and insurance/non-credit product details, where applicable.लागू असल्यास charges/fees आणि insurance/non-credit product माहिती.

4Grievance contact and escalation information.तक्रार संपर्क आणि escalation माहिती.

🚫 Customer safety🚫 ग्राहक सुरक्षा

Avoid fraud and misuse

फसवणूक व गैरवापर टाळा

!Do not share OTP, PIN, UPI PIN, password or bank login details.OTP, PIN, UPI PIN, password किंवा bank login details share करू नका.

!Do not pay without receipt or verified digital record.पावती किंवा verified digital record शिवाय payment करू नका.

!Do not sign blank forms or documents not explained to you.रिकाम्या form वर किंवा न समजावलेल्या documents वर सही करू नका.

!Report staff misconduct, fake calls or suspicious payment requests immediately.Staff misconduct, fake calls किंवा suspicious payment requests त्वरित report करा.

📣 Grievance and RBI escalation📣 तक्रार व RBI escalation

How to complain under Fair Practices Code

Fair Practices Code अंतर्गत तक्रार कशी करावी

Customers should first contact ANIK. If the complaint is rejected, the reply is not satisfactory, or no reply is received within 30 days, the customer may approach RBI through the CMS portal or CRPC route.

ग्राहकांनी प्रथम ANIK कडे संपर्क करावा. तक्रार rejected झाल्यास, उत्तर समाधानकारक नसल्यास किंवा 30 दिवसांत उत्तर न मिळाल्यास ग्राहक RBI CMS portal किंवा CRPC route द्वारे RBI कडे तक्रार करू शकतो.

Branch / staff level

शाखा / कर्मचारी स्तर

Share complaint details with branch, field staff or customer support.

शाखा, फील्ड कर्मचारी किंवा support कडे तक्रार माहिती द्या.

Grievance officer

तक्रार अधिकारी

Unresolved concerns can be escalated internally for review.

न सुटलेल्या तक्रारी अंतर्गत review साठी पुढे पाठवल्या जातील.

Wait up to 30 days

30 दिवसांपर्यंत प्रतीक्षा

Keep complaint reference, receipts and supporting documents.

Complaint reference, पावत्या आणि पुरावे जपून ठेवा.

RBI

RBI CMS / CRPC

Approach RBI if the issue remains unresolved or reply is unsatisfactory.

तक्रार न सुटल्यास किंवा उत्तर समाधानकारक नसल्यास RBI कडे जा.

ANIK Fair Practices Contact

ANIK Fair Practices संपर्क

✉️

Emailanikfin@gmail.com

👤

Grievance / Compliance Officerतक्रार / अनुपालन अधिकारीMr. Umesh Tonpe — umesh@anikfin.com

🏢

Head Officeमुख्य कार्यालयPlot No C1/2, Nileshwar Co Op Housing Society, Back To Fame Cinema, Above Studio Pepperfry, N-1 Town Center, CIDCO, Ch. Sambhajinagar 431003.

🏛️

Registered Officeनोंदणीकृत कार्यालयSahyadri Building, Behind Amitesh Hotel, Near Sai Naka, Ambajoga Road, Latur, Maharashtra - 413512

🏦 RBI escalation after 30 days🏦 30 दिवसानंतर RBI कडे तक्रार

RBI Integrated Ombudsman / CMS route

RBI Integrated Ombudsman / CMS मार्ग

1Online complaint: RBI CMS portal — cms.rbi.org.inOnline complaint: RBI CMS portal — cms.rbi.org.in

2Email / physical complaint route: Centralised Receipt and Processing Centre, Reserve Bank of India.Email / physical complaint route: Centralised Receipt and Processing Centre, Reserve Bank of India.

3Postal address: CRPC, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh - 160017.Postal address: CRPC, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh - 160017.

4RBI Contact Centre: 14448, as per RBI public information.RBI Contact Centre: 14448, RBI public information नुसार.

📌 Regulatory note📌 Regulatory note

anikfin@gmail.com

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