Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

Policies

SMFG India Credit believes in idea-led policies that generate action.

Anti-Bribery and Anti-Corruption Policy

Fair Practices Code and Guidelines

This Fair Practice Code is aimed to provide to all the stakeholders, especially customers, an effective overview of practices followed by the company with respect to the financial facilities and services offered to the customers.

Collection Amount Appropriation Policy

Any payment received (other than Foreclosure) would be appropriated in the following order of priority ...


RETURN OF SPDCS/PDCS

Any unbanked/unused cheques of the Borrower(S) as issued in favour of SMFG India Credit with regard to the loan...

Corporate Governance Policy

Corporate governance is about commitment to values and ethical business conduct. It is about how an organization is managed....

Policy Of Non Discrimination

Policy Of Non Discrimination Towards Physically And Visually Challenged Person. Loan Facilities To Physically and Visually Challenged Applicant...


Privacy Policy

At SMFG India Credit Co. Ltd.(Formerly Fullerton India Credit Co. Ltd.)(“SMFG India Credit”) we are strongly committed to protect the personal and financial information...

Know Your Customer (KYC) Anti – Money Laundering (AML) Combating of Financing Terrorism (CFT) Policy

Code Of Practices And Procedures For Fair Disclosure Of Unpublished Price Sensitive Information (UPSI)


Whistle Blower Policy

Corporate Social Responsibility (CSR) Policy

General terms and conditions as applicable to the borrowers for availing credit facility from SMFG India Credit for unsecured loan


General terms and conditions as applicable to the borrowers for availing credit facility from SMFG India Credit for two wheeler loan

General terms and conditions as applicable to the borrowers for availing Line of Credit from SMFG India Credit

General terms and conditions as applicable to the borrowers for availing Credit Facility from SMFG India Credit


General terms and conditions as applicable to the borrowers for availing Personal/Business Loan from SMFG India Credit

Related Party Transaction

Ombudsman Scheme for Non-Banking Financial Companies


Interest Rate policy

Remuneration Policy for Directors, KMPs and all Other Employees

The SMFG India Credit Remuneration Policy articulates the guiding principles for determining compensation at various levels of the Company.

Policy for appointment of Statutory Auditor


Policy for Preservation and Archival of Documents

Policy for Determining Material Subsidiary

Grievance Redressal Document


Rural Products Interest Rates

Active collection agencies

Board Diversity Policy


Code of Conduct for Directors, Senior Management, Key Managerial Personnel and Employees

Appointment of CRO Policy

Fit and Proper Criteria for Directors


Collections Code of Conduct

Familiarization Program for Independent Directors

Process for Collection of Original Security Documents and Release of Charge upon full repayment/settlement/Closure of Loan Account


Privacy and Personal Data Protection Policy of Aadhaar Number Holders

List of Deactivated Business Vendors as of January, 2024

Consent for KYC


Grievance Redressal Documents - Insurance

List of LSP, DLA and Digital Lending Apps of Lending Service Providers – June, 2024