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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Code Of Practices And Procedures For Fair Disclosure Of Unpublished Price Sensitive Information (UPSI)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
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
General Terms and Conditions as applicable to the borrowers for availing Solidarity Group Loan from SMFG India Credit
Co-Lending Policy
List of LSP, DLA and Digital Lending Apps of Lending Service Providers – November, 2024
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