Mr. Sridhar Srinivasan, Independent Director, resigned w.e.f. 11th June, 2019 from the Directorship of the Company

Mr. Martin Eric Robinson, Nominee Director resigned from directorship of the Company, w.e.f. 17th December, 2019

Mr. Jonathan Lewis, Nominee Director resigned from directorship of the Company, w.e.f. 5th February, 2020

Mr. Amitabh Mohanty, Independent Director resigned w.e.f. 17th September, 2020 from the directorship of the Company

Mr. Rajesh Mannalal Agrawal, Independent Director was appointed on the Board of the Company w.e.f. 11th November, 2020

Annual Return - 2018-19

Corporate Social Responsibility Policy

Annual Return - 2019-20

What we are?

SBFC is a new-age financial services platform that leverages technology and data-science to make lending quick and easy.We give 3 kinds of loans - Personal Loans, Gold Loans and Loan against property.

How does SBFC differentiate itself?

SBFC has enabled a customer - focused, human approach to lending. Our products are flexible and can be tailor made to suit the unique requirements of our customers. We leverage technology and data science to simplify the borrowing process and make it quick and hassle-free. Our products do away with heavy documentation and mandatory branch visits. The team at SBFC comprises former bankers and finance professionals who have been active in the lending space for over 15 years. The team intends to leverage its deep experience and understanding of financial services and businesses to provide funding solutions to customers as per their requirements. Developing long term, sustainable relationships with customers, providing customized products and ensuring superior customer experience are some of the key focus areas for the team.

What kind of loans does SBFC provide?

We provide 4 kinds of loans - Personal Loans, Gold Loans and SME Business Loans.

SBFC provides short term unsecured personal loans to retail customers with ticket sizes of Rs 50,000 to Rs 5 lakhs.

SBFC provides individuals with long term loans for self-construction and loans against property. Loan sizes range from Rs 2 lakhs to Rs 300 lakhs.

SBFC provides both short-term working capital as well as term loans to small and medium enterprises. Loan sizes range from Rs 1 lakh to Rs 10 crore.

How do I apply for a loan?

You can apply for a loan through any of the following ways:

You can apply directly through our website by clicking on Apply Now.

Contact our Sales team at 011 4926 1400

Email us at [email protected]

What is a personal loan?

A personal loan is an unsecured loan for your financial needs like medical emergencies, planning a holiday or a wedding, purchasing a consumer durable, furnishing your home, or meeting an unexpected cash flow need.

With SBFC India's range of Personal loans, meet all sorts of financial needs without worrying about keeping any collateral or property. Our range of personal loans are simple and flexible, designed with your changing needs in mind.

Who can apply for a Personal Loan?

SBFC Personal Loan is available for salaried individuals as well as self-employed individuals.

What are the documents required to apply for a loan?

As per RBI guidelines, we require a Proof of Identity, Proof of Address, PAN card for KYC requirements, Income document and Bank Statement to evaluate your loan eligibility.

What is the usual loan tenor?

We offer tenor upto 60 months

Do I need to hypothecate my assets or provide any other collateral to avail a Personal Loan from SBFC?

You do not need to hypothecate any assets to avail a Personal Loan from SBFC.

What is the maximum loan amount I can avail?

You can avail up to Rs 10 Lakhs. The actual loan amount eligibility will be calculated based on your income and your credit history. 

How do I pay back the loan?

Once your loan is approved, and disbursed, you will be required to pay back the loan in Equal Monthly Instalment (EMI), which will be automatically debited from your bank account via ACH.

How much would I need to repay each month?

At the time of booking of your loan, the EMI (Equated Monthly Installment) will be calculated based on the loan amount sanctioned, interest rate and the tenor.

What is an EMI?

EMI or 'Equated Monthly Installment' is the convenient monthly amount that you have to service to pay back the loan availed. The EMI consists of both the principal and interest components.

Is it possible to pre-pay my loan early?

Yes personal loans can be pre-paid early. There is a pre-payment fee that applies which is part of our loan documentation.

How will the loan be disbursed?

Post approval, your loan amount will be transferred digitally to your bank account.

Why shouldn't I avail my sudden need for cash through a 'cash advance' on my credit card?

Your credit card can be an option, but withdrawing cash using a credit card can turn out to be very costly if you do not repay it quickly. Interest rates on credit card cash withdrawals can go as high as 40 per cent on an annual basis depending on the type of card you use and you also do not get the interest free period to pay back. In short, interest is charged from the moment you withdraw the cash. There is also an additional transaction charge that is levied on the withdrawal at the ATM. In comparison, a Personal Loan is cheaper and the repayment can be spread over a long period.

What happens if I miss an EMI payment?

In case you miss paying EMI, you will have to pay a bounce fee, and a late payment penalty. Your credit history may also be impacted,and as such this is not something you should plan to do.

What is MSME Secured Loan:

MSME loans are specially created loans for the small businesses. These are designed to be in tune with unique requirements which small businesses encounter during various phases of their business. Typical business requirements include new product launch, warehousing needs, expansion to new locations, entering new product categories, hiring new employees, marketing and many more such business related needs

We provide secured loans to small and medium business entities. We facilitate all your needs like business expansion, technology up-gradation, working capital requirement, erection of building and sheds to name a few.

Your property can be a blessing in ways more than one. Unlock the hidden potential of your hard earned property by availing an easy loan against your residential or commercial property. SBFC offers a wide array of Property loans to meet financial expenses pertaining to your business or other requirements.

With a wide presence across the country and an influential network of branches, SBFC Secured Loans provide a host of benefits and unique features completely customised to suit your needs. So if you have a dream or a goal, your property can help you achieve that in the most affordable way.

A Secured Loan from SBFC is a multi-purpose loan that can be availed by mortgaging your existing property in semi-urban or urban locations.

What kinds of businesses does SBFC lend to?

We work with Petty traders, shopkeepers, wholesalers, farm equipment traders, Small & micro manufacturing enterprises, Small & micro service enterprises, Self Employed Professionals etc

For what purpose can I avail a Loan against Property?

You can avail a Loan against Property for any personal or for business purposes provided the end use is not for any speculative or prohibitive reasons.

How will my loan eligibility be calculated?

Loan eligibility is usually calculated basis the repayment capacity of the borrower. Repayment capacity can be ascertained based on factors such as income, age, qualifications, spouse's income, etc. 

What are the Features & benefits of availing Secured Loan from SBFC?

We provide support for overall establishing of your business with quick and hassle free loans. We hold your hand through the entire process with utmost transparency. You can always expect easy and flexible payment terms with us. We give loans upto Rs 100 lacs. The typical tenor of these loans ranges from 5 to 12 years.

What security will I have to provide?

The security for the loan will be the first mortgage of the property to be financed, normally by way of deposit of Title Deeds and/ or such other collateral security, as may be necessary. The title to the property has to be clear, marketable and free from encumbrance. In other words, there should not be any existing mortgage, loan or litigation which is likely to affect the title to the property adversely

How will the loan be disbursed

The loan would be disbursed directly to your operating bank account

What is the tenor of the Loan?

The loan can be for a maximum tenor of 15 Years or up to a maximum age of 65 at maturity of the loan.

When will the repayment of the loan commence

Repayment will commence in the month subsequent to the month in which the loan has been disbursed

How do I repay a SBFC Secured loan?

The repayment of loan is done through Equated Monthly Instalments (EMI). It can be paid through CTS compliant Post Dated Cheques (PDC) or through Electronic Clearance System (ECS).

Can I repay my loan before the due date?

Yes, you can repay your loan at any time during the loan tenor by paying a nominal fee as applicable.

What is a gold loan scheme?

As the name suggests this is the loan given against gold. It's a secured loan that enables borrowers to pledge their gold in lieu of a cash loan. It enables people to utilize their gold assets instead of storing them in lockers. Customers usually go for this loan for short period to meet the requirement of their children's education, marriage and other financial problems in the family.

What is the eligibility criterion to qualify for a gold loan?

For a gold loan, applicants should be aged above 18 years and should have gold that needs to be mortgaged with the bank.

What is the interest charge applicable on gold loan?

The interest rate on your gold loan varies from one lender to another. Please enter your details on our Gold Loan eligibility page and view gold loan offers offered by various banks and private institutions.

How is the rate of interest calculated on a gold loan scheme?

Such schemes determine the repayment by calculating simple interest based on monthly reducing balance. Take for example,

Loan Amount ~ Rs 1,00,000

Duration ~ 12 months

Interest Charged ~ 16%

EMI ~ Rs 9073

Final Payment ~ Rs 1,08,876

What is the maximum amount that can be sanctioned under the gold loan scheme?

The maximum loan amount loan varies from one lender to another. It can range between Rs. 1,500 and Rs 1 Crore depending on the eligibility criteria of particular bank/institution.

How long does it take to complete the gold loan approval process?

If an application meets all the requirements, loan is approved in less than 15 minutes and after that, the loan is disbursed in less than 30 seconds. 

What is the repayment tenor of a gold loan?

A gold loan tenor can vary from 1 day to 3 years.

What are the additional fees that I will need to pay at the time of taking a loan?

A nominal processing fee is levied on your gold loan. The processing fee charged varies from one bank to another but generally does not exceed 2% of the loan amount. In addition to the processing fee, you are expected to pay a gold validation charge, which the bank will incur.

Are there any foreclosure charges on a gold loan?

Loan foreclosure charges range from 0%-3% and are applicable on the outstanding amount of your gold loan.

How can the pledged gold against the loan be reclaimed?

It's very simple to reclaim deposited gold. Plan your loan repayment efficiently and ensure you do not default. Failure to repay the loan in the stipulated time will result in auctioning of your gold ornaments.

What medium should I use to repay the loan?

The loan can be repaid by choosing any medium of money transfer as you desire, such as Cash, Cheque, Demand Draft or Online Fund Transfer.

What is the penalty for delay in repayment of loan?

Banks usually levy an annual penalty between 1% and 6%. This is in addition to the rate of interest that you would be paying to service your loan.

What documents are required for approval of your gold loan?

Documents required for approval of your gold loan are:

ID proof, such as your Driving License, Pan Card, Form 60/61, valid Passport, and Voter ID card.

Address proof, such as House Registration Documents, and Utility Bills

Can I repay the loan partially?

Yes, a gold loan can be repaid partially at any point in time. However, your deposited gold will only be returned once the entire loan amount has been repaid.

Is the gold pledged with banks safe?

Banks take a lot of precaution while storing your gold and keep it safe until the loan amount is returned. They understand the sentimental value attached to gold ornaments and act as custodians while the gold remains with them.

The Reserve Bank of India (RBI) had vide Notification Reference No. CEPD.PRS.No.3590/ 13.01.004/2017-18 dated February 23, 2018, implemented the Ombudsman Scheme for Non-Banking Financial Companies (NBFCs) which are authorised to accept deposits. The RBI had, vide Notification Reference No. CEPD. PRS. No.4535/13.01.004/2018-19 dated April 26, 2019, extended the Ombudsman Scheme for Non-Banking Financial Companies, 2018 to remaining identified categories of NBFCs. Thus, the said Scheme covers the customers of:

· NBFCs with asset size of more than ₹ 100 crores and customer interface (Excluding: Infrastructure Finance Companies, Core Investment Companies, Infrastructure Debt Fund and NBFCs under liquidation)

· All Deposit Taking NBFCs

Customer filing a complaint with the Company:

In case of grievance, the customer may prefer a written complaint with the Customer Care Unit at Head Office of the Company or its Branches, in respect of the following grounds, provided the matter is not referred to any court or forum:

• Cheque not presented OR done with delay

• Not conveyed the amount of loan sanctioned, terms & conditions, annualised rate of interest, etc.

• Notice not provided for changes in agreement, levy of charges

• Failure to ensure transparency in contract/loan agreement

• Failure/ Delay in releasing securities/ documents

• Failure to provide legally enforceable built-in repossession in contract/ loan agreement

• RBI directives not followed by NBFC

• Guidelines on Fair Practices Code not followed

• Interest/Deposit not paid OR paid with delay.

Customer filing a complaint with Ombudsman:

• If reply is not received from the Company within one month, OR, the customer remains dissatisfied with the reply, the customer may file a complaint with NBFC Ombudsman (not later than one year after the reply from the Company)

How does Ombudsman take decision?

• An alternate Dispute Resolution mechanism i.e. Proceedings before Ombudsman are summary in nature;

• Settlement thro’ conciliation – Ombudsman promotes the settlement of the complaint by mutual agreement between the complainant and the Company through conciliation or mediation;

• If not reached any settlement, Ombudsman pass an Award / Order either allowing or rejecting the complaint along with reasons for passing such Award/Order;

Note: Ombudsman may reject a complaint at any stage. The Customer is at liberty to approach any other court/forum/authority for the redressal at any stage.

Can a customer file appeal, if not satisfied with decision of Ombudsman?

• Yes, Ombudsman’s decision is appealable; Appellate Authority: Deputy Governor, RBI

• If customer is not satisfied with the decision of Ombudsman, he may prefer an appeal with the Appellate Authority namely Deputy Governor, RBI.

• NBFC may go in for appeal within 30 days from the date of receipt of the letter of Award;

• This is an Alternate Dispute Resolution Mechanism and the customer is at liberty to approach any other court/forum/authority for the redressal at any stage.

Note: Refer to http://sbfc.com for further details of the Scheme and contact details of the Nodal Officer of the Company and contact details of the Ombudsman, who can be approached by the customer.

Contact Details of Nodal Officer of the Company is given below:

Centre : HO @ Mumbai

Name & Contact Details of Nodal Officers of the Company : 

The Manager, Customer Care

SBFC Finance Private Limited.(Erstwhile Small Business Fincredit India Pvt. Ltd.), Samarpan building, Office no-101, 1st floor

Andheri -kurla road, Near Mirador hotel,

Opp solitaire corporate park,Chakala,

Andheri (E), Mumbai – 400093

Toll Free No.:1800-102-8012 Email: [email protected]

Area of Jurisdiction: Pan India

Centre : HO @ Mumbai

Name & Contact Details of Nodal Officers of the Company : 

Mrs. Rhutuja Parab

Grievance Redressal Officer,

SBFC Finance Private Limited.(Erstwhile Small Business Fincredit India Pvt. Ltd.), First Floor, 

C & B Square, Andheri Kurla Road, 

Chakala, Andheri east, 

Mumbai-400059 Tel:022-67875313 

Email: [email protected]

Area of Jurisdiction: Pan India

Centre : Chennai

Name & Contact Details of Nodal Officers of the Company: 

Raj Subramani

Mob: 9786166614

Email: [email protected]

Area of Jurisdiction: Tamil Nadu, Andaman and Nicobar Islands, Karnataka, Andhra Pradesh, Telangana, Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry

Centre : Mumbai

Name & Contact Details of Nodal Officers of the Company :

Pragnesh Soneji

Mob: 9327527279

Email: [email protected]

Area of Jurisdiction : Maharashtra, Goa, Gujarat, Madhya Pradesh, Chhattisgarh, Union Territories of Dadra and Nagar Haveli, Daman and Diu

Centre : New Delhi

Name & Contact Details of Nodal Officers of the Company : 

Gaurang Goel
Mob: 7007184488
Email: [email protected]

Area of Jurisdiction: Delhi, Uttar Pradesh, Uttarakhand, Haryana, Punjab, Union Territory of Chandigarh Himachal Pradesh, and Rajasthan and State of Jammu and Kashmir

Centre :  Kolkata

Name & Contact Details of Nodal Officers of the Company : 

Shivendra Gupta
Mob: 7980180567
Email: [email protected]

Area of Jurisdiction: West Bengal, Sikkim, Odisha, Assam, Arunachal Pradesh,Manipur, Meghalaya, Mizoram, Nagaland, Tripura, Bihar and Jharkhand

Name and address of the NBFC Ombudsman are given below:

Centre: Chennai

Address of the Office of NBFC Ombudsman: 

C/o Reserve Bank of India Fort Glacis, Chennai 600 001 STD Code: 044 Telephone No : 25395964 Fax No : 25395488 Email : [email protected]

Area of Operation: Tamil Nadu, Andaman and Nicobar Islands, Karnataka, Andhra Pradesh, Telangana, Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry

Centre: Mumbai

Address of the Office of NBFC Ombudsman: 

C/o Reserve Bank of India RBI Byculla Office Building Opp. Mumbai Central Railway Station Byculla, Mumbai -400 008 STD Code: 022 Telephone No : 23028140 Fax No : 23022024 Email : [email protected]

Area of Operation: Maharashtra, Goa, Gujarat, Madhya Pradesh, Chhattisgarh, Union Territories of Dadra and Nagar Haveli, Daman and Diu

Centre: New Delhi

Address of the Office of NBFC Ombudsman: 

C/o Reserve Bank of India Sansad Marg New Delhi -110001 STD Code: 011 Telephone No: 23724856 Fax No : 23725218 -19 Email : [email protected]

Area of Operation: Delhi, Uttar Pradesh, Uttarakhand, Haryana, Punjab, Union Territory of Chandigarh Himachal Pradesh, and Rajasthan and State of Jammu and Kashmir

Centre: Kolkata

Address of the Office of NBFC Ombudsman: 

C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata -700 001 STD Code: 033 Telephone No: 22304982 Fax No : 22305899 Email : [email protected]

Area of Operation: West Bengal, Sikkim, Odisha, Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, Tripura, Bihar and Jharkhand

ಬ್ಯಾಂಕೇತರ ಹಣಕಾಸಿನ ಕಂಪನಿಗಳಿಗೆ ಒಂಬುಡ್ಸ್‌ಮನ್ ಯೋಜನೆ, 2018 - ಪ್ರಮುಖ ಅಂಶಗಳು

ಭಾರತೀಯ ರಿಸರ್ವ್ ಬ್ಯಾಂಕ್ (RBI) 2018 ರ ಫೆಬ್ರವರಿ 23 ನೇ ದಿನಾಂಕದ ಅಧಿಸೂಚನೆ ಉಲ್ಲೇಖ ಸಂಖ್ಯೆ CEPD.PRS.No.3590/13.01.004/2017-18 ಅನ್ವಯ ಬ್ಯಾಂಕೇತರ ಹಣಕಾಸು ಕಂಪನಿಗಳಿಗೆ (NBFCs) ಒಂಬುಡ್ಸ್‌ ಮನ್ ಯೋಜನೆಯನ್ನು ಜಾರಿಗೆ ತಂದಿತು, ಇದು ಠೇವಣಿಗಳನ್ನು ಸ್ವೀಕರಿಸಲು ಅಧಿಕಾರವನ್ನು ಹೊಂದಿದೆ. RBI, ಏಪ್ರಿಲ್ 26, 2019 ನೇ ದಿನಾಂಕದ ಅಧಿಸೂಚನೆ ಉಲ್ಲೇಖ ಸಂಖ್ಯೆ CEPD. PRS. No.4535/13.01.004/2018-19 ಯು ಬ್ಯಾಂಕೇತರ ಹಣಕಾಸು ಕಂಪನಿಗಳಿಗೆ ಒಂಬುಡ್ಸ್‌ಮನ್ ಯೋಜನೆ 2018 ಅನ್ನು ಉಳಿದಿರುವ NBFC ನ ಗುರುತಿಸಲಾದ ವರ್ಗಗಳಿಗೆ ವಿಸ್ತರಿಸಿದೆ. ಹೀಗೆ, ಮೇಲೆ ಹೇಳಲಾದ ಯೋಜನೆಯು ಈ ಕೆಳಕಂಡ ಗ್ರಾಹಕರನ್ನು ಒಳಗೊಂಡಿದೆ:

     ·         100 ಕೋಟಿಗಿಂತ ಹೆಚ್ಚಿನ ಆಸ್ತಿ ಗಾತ್ರ ಮತ್ತು ಗ್ರಾಹಕ ಇಂಟರ್‌ಫೇಸ್ ಹೊಂದಿರುವ ಎನ್‌ಬಿಎಫ್‌ಸಿಗಳು (ಹೊರತುಪಡಿಸಿ: ಮೂಲಸೌಕರ್ಯ ಹಣಕಾಸು ಕಂಪನಿಗಳು,             ಕೋರ್ ಹೂಡಿಕೆ ಕಂಪನಿಗಳು, ಮೂಲಸೌಕರ್ಯ ಸಾಲ ನಿಧಿ ಮತ್ತು ದಿವಾಳಿಯ ಅಂಚಿನಲ್ಲಿರುವ NBFCಗಳು)

·         ಠೇವಣಿಗಳನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ NBFCಗಳು

ಗ್ರಾಹಕರು ಕಂಪನಿಗೆ ದೂರು ಸಲ್ಲಿಸುವುದು:

ಕುಂದುಕೊರತೆಯ ಸಂದರ್ಭದಲ್ಲಿ, ಈ ವಿಷಯವನ್ನು ಯಾವುದೇ ನ್ಯಾಯಾಲಯ ಅಥವಾ ವೇದಿಕೆಯನ್ನು ಉಲ್ಲೇಖಿಸದಿದ್ದಲ್ಲಿ, ಗ್ರಾಹಕರು ಕಂಪನಿಯ ಮುಖ್ಯ ಕಚೇರಿ ಅಥವಾ ಅದರ ಶಾಖೆಗಳಲ್ಲಿನ ಗ್ರಾಹಕ ಸೇವಾ ಘಟಕದೊಂದಿಗೆ ಲಿಖಿತ ದೂರನ್ನು ಸಲ್ಲಿಸಬಹುದು:

•          ಚೆಕ್ ಪ್ರಸ್ತುತಪಡಿಸದೇ ಇರುವುದು ಅಥವಾ ವಿಳಂಬ ಮಾಡುವುದು

•          ಮಂಜೂರಾದ ಸಾಲದ ಮೊತ್ತ, ನಿಯಮಗಳು ಮತ್ತು ಷರತ್ತುಗಳು, ವಾರ್ಷಿಕ ಬಡ್ಡಿದರ ಇತ್ಯಾದಿಗಳನ್ನು ತಿಳಿಸದೇ ಇರುವುದು.

•          ಒಪ್ಪಂದದಲ್ಲಿನ ಬದಲಾವಣೆಗಳಿಗೆ, ಶುಲ್ಕ ವಿಧಿಸಲು ಸೂಚನೆ ನೀಡದೇ ಇರುವುದು

•          ಒಪ್ಪಂದ/ಸಾಲದ ಕರಾರಿನಲ್ಲಿ ಪಾರದರ್ಶಕತೆಯನ್ನು ಖಚಿತಪಡಿಸಲು ವಿಫಲವಾಗುವುದು

•          ಭದ್ರತೆಗಳು/ದಾಖಲೆಗಳನ್ನು ಬಿಡುಗಡೆಗೊಳಿಸುವಲ್ಲಿ ವಿಫಲತೆ/ವಿಳಂಬ

•          ಒಪ್ಪಂದ/ಸಾಲದ ಕರಾರಿನಲ್ಲಿ ಕಾನೂನುಬದ್ಧವಾಗಿ ಜಾರಿಗೊಳಿಸಬಹುದಾದ ಬಿಲ್ಟ್-ಇನ್ ಮರುಪಾವತಿಯನ್ನು ಒದಗಿಸಲು ವಿಫಲತೆ

•          RBI ನಿರ್ದೇಶನಗಳನ್ನು NBFC ಅನುಸರಿಸದೇ ಇರುವುದು

•          ನ್ಯಾಯೋಚಿತ ಅಭ್ಯಾಸಗಳ ಸಂಹಿತೆಯ ಮಾರ್ಗಸೂಚಿಗಳನ್ನು ಅನುಸರಿಸದೇ ಇರುವುದು

•          ಪಾವತಿಸದ ಅಥವಾ ವಿಳಂಬವಾಗಿ ಪಾವತಿಸಿದ ಬಡ್ಡಿ/ಠೇವಣಿ.

ಗ್ರಾಹಕರು ಈ ಸಂದರ್ಭದಲ್ಲಿ ಒಂಬುಡ್ಸ್‌ಮನ್‌ಗೆ ದೂರು ಸಲ್ಲಿಸುತ್ತಾರೆ:

•     ಒಂದು ತಿಂಗಳೊಳಗೆ ಕಂಪನಿಯಿಂದ ಪ್ರತ್ಯುತ್ತರವನ್ನು ಸ್ವೀಕರಿಸದೇ ಇದ್ದರೆ, ಅಥವಾ ಗ್ರಾಹಕರು ಉತ್ತರದ ಬಗ್ಗೆ ಅತೃಪ್ತರಾಗಿದ್ದರೆ, ಗ್ರಾಹಕರು NBFC ಒಂಬುಡ್ಸ್‌ಮನ್‌ಗೆ    ದೂರು ಸಲ್ಲಿಸಬಹುದು (ಕಂಪನಿಯಿಂದ ಉತ್ತರಿಸಿದ ಒಂದು ವರ್ಷದ ನಂತರದಲ್ಲಿ ಅಲ್ಲ)

ಒಂಬುಡ್ಸ್ ಮನ್ ಹೇಗೆ ನಿರ್ಧಾರ ತೆಗೆದುಕೊಳ್ಳುತ್ತದೆ?

•       ಪರ್ಯಾಯ ವಿವಾದ ಪರಿಹಾರದ ಕಾರ್ಯವಿಧಾನ, ಅಂದರೆ ಒಂಬುಡ್ಸ್ ಮನ್ ಮುಂದಿನ ಪ್ರಕ್ರಿಯೆಗಳ ಸಾರಾಂಶದ ಸಹಜತೆ;

•      ಸೆಟಲ್ಮೆಂಟ್ ಥ್ರೋ’ಸಮಾಲೋಚನೆ - ಸಮಾಲೋಚನೆ ಅಥವಾ ಮಧ್ಯಸ್ಥಿಕೆಯ ಮೂಲಕ ದೂರುದಾರ ಮತ್ತು ಕಂಪನಿಯ ನಡುವಿನ ಪರಸ್ಪರ ಒಪ್ಪಂದದ ಮೂಲಕ ದೂರಿನ ಇತ್ಯರ್ಥವನ್ನು ಒಂಬುಡ್ಸ್ ಮನ್ ಉತ್ತೇಜಿಸುತ್ತಾರೆ;

•        ಯಾವುದೇ ಇತ್ಯರ್ಥಕ್ಕೆ ತಲುಪದಿದ್ದರೆ, ಒಂಬುಡ್ಸ್ ಮನ್ ಅಂತಹ ಪ್ರಶಸ್ತಿ/ಆದೇಶ ಸಾಗುವ ಕಾರಣಗಳೊಂದಿಗೆ ದೂರನ್ನು ಅನುಮತಿಸುವ ಅಥವಾ ತಿರಸ್ಕರಿಸುವ ಪ್ರಶಸ್ತಿ/ಆದೇಶವನ್ನು ರವಾನಿಸುತ್ತಾರೆ;

ಗಮನಿಸಿ: ಒಂಬುಡ್ಸ್ ಮನ್ ಯಾವುದೇ ಹಂತದಲ್ಲಿ ದೂರನ್ನು ತಿರಸ್ಕರಿಸಬಹುದು. ಯಾವುದೇ ಹಂತದ ಪರಿಹಾರಕ್ಕಾಗಿ ಗ್ರಾಹಕರು ಇನ್ಯಾವುದೇ ನ್ಯಾಯಾಲಯ/ವೇದಿಕೆ/ಅಧಿಕಾರವನ್ನು ಸಂಪರ್ಕಿಸಲು ಸ್ವಾತಂತ್ರ್ಯವನ್ನು ಹೊಂದಿರುತ್ತಾರೆ.

ಒಂಬುಡ್ಸ್ ಮನ್ ನಿರ್ಧಾರದಿಂದ ತೃಪ್ತರಾಗದಿದ್ದರೆ ಗ್ರಾಹಕರು ಫೈಲ್ ಅನ್ನು ಮೇಲ್ಮನವಿ ಸಲ್ಲಿಸಬಹುದೇ?

•        ಹೌದು, ಒಂಬುಡ್ಸ್‌ಮನ್ ನಿರ್ಧಾರವು ಮೇಲ್ಮನವಿ ಮಾಡಬಹುದಾಗಿರುತ್ತದೆ; ಮೇಲ್ಮನವಿ ಪ್ರಾಧಿಕಾರ: ಡೆಪ್ಯೂಟಿ ಗವರ್ನರ್, RBI

•   ಒಂಬುಡ್ಸ್‌ಮನ್ ನಿರ್ಧಾರದಿಂದ ಗ್ರಾಹಕರು ತೃಪ್ತರಾಗದಿದ್ದರೆ, ಅವರು RBI ನ ಡೆಪ್ಯೂಟಿ ಗವರ್ನರ್ ರವರ ಮೇಲ್ಮನವಿ ಪ್ರಾಧಿಕಾರಕ್ಕೆ ಮೇಲ್ಮನವಿ ಸಲ್ಲಿಸಲು ಆದ್ಯತೆ ನೀಡಬಹುದು.

•         NBFC ಪ್ರಶಸ್ತಿ ಪತ್ರ ಸ್ವೀಕರಿಸಿದ ದಿನಾಂಕದಿಂದ 30 ದಿನಗಳಲ್ಲಿ ಮೇಲ್ಮನವಿ ಸಲ್ಲಿಸಬಹುದು;

•  ಇದು ಪರ್ಯಾಯ ವಿವಾದ ಪರಿಹಾರ ಕಾರ್ಯವಿಧಾನವಾಗಿದೆ ಮತ್ತು ಯಾವುದೇ ಹಂತದಲ್ಲಿ ಪರಿಹಾರಕ್ಕಾಗಿ ಗ್ರಾಹಕರು ಯಾವುದೇ ನ್ಯಾಯಾಲಯ/ವೇದಿಕೆ/ಅಧಿಕಾರವನ್ನು ಸಂಪರ್ಕಿಸಲು ಸ್ವಾತಂತ್ರ್ಯ ಹೊಂದಿದ್ದಾರೆ.

ಗಮನಿಸಿ: ಯೋಜನೆಯ ಹೆಚ್ಚಿನ ವಿವರಗಳಿಗಾಗಿ ಮತ್ತು ಕಂಪನಿಯ ನೋಡಲ್ ಅಧಿಕಾರಿಗಳ ಸಂಪರ್ಕ ವಿವರಗಳಿಗಾಗಿ ಮತ್ತು ಗ್ರಾಹಕರಿಂದ ಸಂಪರ್ಕಿಸಬಹುದಾದ ಒಂಬುಡ್ಸ್ ಮನ್ ಅವರ ಸಂಪರ್ಕ ವಿವರಗಳಿಗಾಗಿ http://sbfc.com ಯನ್ನು ನೋಡಿ.

     ಕಂಪನಿಯ ನೋಡಲ್ ಅಧಿಕಾರಿಯ ಸಂಪರ್ಕ ವಿವರಗಳನ್ನು ಕೆಳಕಂಡಂತೆ ನೀಡಲಾಗಿದೆ: 

 NBFC ಒಂಬುಡ್ಸ್ ಮನ್ ಹೆಸರು ಮತ್ತು ವಿಳಾಸಗಳು ಈ ಕೆಳಕಂಡಂತೆ ನೀಡಲಾಗಿದೆ:

এনবিএফসি ন্যায়পালদের নাম এবং ঠিকানা নিচে দেওয়া হল:

ਐਨਬੀਐਫਸੀ ਲੋਕਪਾਲ ਦਾ ਨਾਮ ਅਤੇ ਸੰਪਰਕ ਵੇਰਵਾ ਹੇਠਾਂ ਦਿੱਤਾ ਗਿਆ ਹੈ:

નોન-બેન્કિંગ ફાઇનાન્સિયલ કંપનીઓ માટે ઓમ્બુડ્સમેન સ્કીમ, 2018 - મુખ્ય લાક્ષણિકતાઓ

રિઝર્વ બેન્ક ઓફ ઇન્ડિયા (RBI)એ નોટિફિકેશન રેફરન્સ નંબર CEPD.PRS.No.3590/ 13.01.004/2017-18 તારીખ 23 ફેબ્રુઆરી 2018 મારફતે ડિપોઝિટ્સ સ્વીકારવા અધિકૃત હોય તેવી નોન-બેન્કિંગ ફાઇનાન્સિયલ કંપનીઓ (NBFCs) માટે ઓમ્બુડ્સમેન સ્કીમનો અમલ કર્યો હતો. નોટિફિકેશન રેફરન્સ નંબર CEPD. PRS. No.4535/13.01.004/2018-19 તારીખ 26 એપ્રિલ 2019 મારફતે NBFCsની બાકી રહેલી ઓળખ થયેલી શ્રેણીઓ પર પણ નોન-બેન્કિંગ ફાઇનાન્સિયલ કંપનીઓ માટે ઓમ્બુડ્સમેન સ્કીમ, 2018 લાગુ કરી હતી. આમ સદર સ્કીમ નીચે મુજબના ગ્રાહકોને આવરે છેઃ

·         રૂપિયા 100 કરોડથી વધુની એસેટ સાઇઝ અને કસ્ટમર ઇન્ટરફેસ સાથેની NBFCs (બાકાતઃ ઇન્ફ્રાસ્ટ્રક્ચર ફાઇનાન્સ કંપનીઓ, કોર ઇન્વેસ્ટમેન્ટ કંપનીઓ, ઇન્ફ્રાસ્ટ્રક્ચર ડેટ ફંડ  અને  લિક્વિડેશન હેઠળની NBFCs)

·         ડિપોઝિટ લેતી તમામ NBFCs

ગ્રાહક દ્વારા કંપનીમાં કરવાની ફરિયાદ:

ફરિયાદના કિસ્સામાં, ગ્રાહક નીચેની બાબતો અંગે કંપનીની હેડ ઓફિસ કે તેની શાખાના કસ્ટમર કેર યુનિટમાં લેખિત ફરિયાદ કરવાનું પસંદ કરી શકે છે, આ માટે કોઇ પણ બાબત કોઇ પણ કોર્ટ કે ફોરમમાં ચાલતી ના હોવી જોઇએઃ

•          ચેક રજૂ ના થયો હોય અથવા આપવામાં વિલંબ થયો હોય

•          મંજૂર થયેલી લોન, મુદત અને શરતો, વ્યાજનો વાર્ષિક દર વગેરેની માહિતીની જાણ ના કરી હોય

•          એગ્રીમેન્ટ, ચાર્જની વસૂલાતમાં ફેરફાર માટે નોટિસ ના અપાઇ હોય

•          કોન્ટ્રાક્ટ/લોન એગ્રીમેન્ટમાં પારદર્શીતા જાળવવામાં નિષ્ફળતા હોય

•          સિક્યોરિટીઝ/ડોક્યુમેન્ટ્સ મુક્ત કરવામાં નિષ્ફળતા/વિલંબ થયો હોય

•          કોન્ટ્રાક્ટ/ લોન એગ્રીમેન્ટમાં કાનૂની રીતે અમલી કરી શકાય તેવું બિલ્ટ-ઇન રિપઝેશન આપવામાં નિષ્ફળતા

•          NBFC દ્વારા RBIના નિર્દેશનું પાલન ના થયું હોય

•          ફેર પ્રેક્ટિસ કોડની માર્ગદર્શિકાઓનું પાલન ના થયું હોય

•          વ્યાજ/થાપણ ચુકવવામાં ના આવે અથવા ચુકવવામાં વિલંબ થયો હોય. 

ગ્રાહક દ્વારા ઓમ્બુડ્સમેનમાં કરવાની ફરિયાદઃ

•          જો કંપની તરફથી એક મહિનાની અંદર જવાબ ના મળે, અથવા ગ્રાહકને કંપનીના જવાબથી સંતોષ ના હોય, તો ગ્રાહક NBFC ઓમ્બુડ્સમેનમાં ફરિયાદ કરી શકે છે (કંપનીના જવાબના એક વર્ષથી મોડું નહીં).

ઓમ્બુડ્સમેન કેવી રીતે નિર્ણય લે છે?

•          વૈકલ્પિક તકરાર નિવારણ વ્યવસ્થા એટલે કે, ઓમ્બુડ્સમેન સમક્ષ સુનાવણી સારાંશ પ્રકારની હોય છે

•          સમાધાન દ્વારા પતાવટ– ઓમ્બુડ્સમેન સમાધાન અથવા મધ્યસ્થી મારફતે ફરિયાદી અને કંપની વચ્ચે સંયુક્ત સંમતિથી ફરિયાદના પતાવટને પ્રોત્સાહન આપે છે.

•          જો કોઇ પતાવટ ના થાય તો, ઓમ્બુડ્સમેન ફરિયાદ સ્વીકારવાનો કે ફગાવવાનો આદેશ આપે છે તેની સાથે ફરિયાદ સ્વીકારવા કે ફગાવવા માટેનું કારણ પણ આપે છે.

નોંધઃ ઓમ્બુડ્સમેન કોઇ પણ તબક્કે ફરિયાદ ફગાવી શકે છે. ગ્રાહક નિવારણ માટે કોઇ પણ તબક્કે કોઇ પણ કોર્ટ/ફોર્મ/સત્તામંડળનો સંપર્ક કરવા મુક્ત છે.

શું ગ્રાહક ઓમ્બુડ્સમેનના નિર્ણયથી સંતુષ્ટ ના હોય તો તે અપીલ ફાઇલ કરી શકે છે?

 ·          હા, ઓમ્બુડ્સમેનના નિર્ણય સામે અપીલ કરી શકાય છે; એપલેટ ઓથોરિટી: ડેપ્યુટી ગવર્નર, RBI

·          જો ગ્રાહક ઓમ્બુડ્સમેનના નિર્ણયથી સંતુષ્ટ ના હોય તો તે RBIના ડેપ્યુટી ગવર્નર નામની એપલેટ ઓથોરિટીમાં અપીલ કરી શકે છે.

  ·          NBFC આદેશનો પત્ર મળ્યાના 30 દિવસની અંદર અપીલ કરી શકે છે

  ·          આ એક વૈકલ્પિક તકરાર નિવારણ વ્યવસ્થા છે અને ગ્રાહક નિવારણ માટે કોઇ પણ તબક્કે કોઇ પણ કોર્ટ/ફોરમ/સત્તામંડળનો સંપર્ક કરી શકે છે.

નોંધઃ સ્કીમની વિગતો અને ફરિયાદ અંગે જેમનો સંપર્ક કરી શકાય છે તેવા કંપનીના નોડલ ઓફિસરની સંપર્ક વિગતો અને ઓમ્બુડ્સમેનની સંપર્ક વિગતો માટે http://sbfc.com વાંચો.

કંપનીના નોડલ ઓફિસરની સંપર્ક વિગતો નીચે આપેલી છે:

NBFC ઓમ્બુડ્સમેનના નામ અને સરનામાની વિગતો નીચે આપેલી છે:

लोकपाल की शिकायत दर्ज करने वाले ग्राहक:

•          अगर कंपनी से एक महीने के भीतर जवाब नहीं मिला, या ग्राहक अभी भी जवाब से असंतुष्ट है, तो ग्राहक एनबीएफसी लोकपाल की शिकायत कर सकते हैं (कंपनी से जवाब मिलने के एक साल के बाद नहीं)।

लोकपाल कैसे निर्णय लेता है?

      •          लोकपाल से पहले, वैकल्पिक विवाद समाधान प्रणाली, अर्थात कार्यवाही मूल रूप से संक्षिप्त होती है;

•           समझौते के माध्यम से सुलह – लोकपाल द्वारा समझौते और मध्यस्थता के माध्यम से शिकायतकर्ता और कंपनी के बीच आपसी समझौते से शिकायत की सुलह को बढ़ावा दिया जाता है;

•           अगर किसी भी तरह से सुलह नहीं होता, तो लोकपाल द्वारा अधिनिर्णय/आदेश पारित किया जाता है, इसमें इस तरह के अधिनिर्णय/आदेश को पारित करने के कारणों के साथ शिकायत की या तो अनुमति दी जाती है या फिर रद्द किया जाता है;

ध्यान दें: लोकपाल किसी भी चरण पर शिकायत को रद्द कर सकता है। ग्राहक के पास यह अधिकार है कि वह किसी भी चरण में निवारण के लिए किसी अन्य न्यायालय/न्यायधिकरण/प्राधिकरण से संपर्क कर सकता है।

लोकपाल के निर्णय से संतुष्ट नहीं होने पर, क्या कोई ग्राहक अपील कर सकता है?

•          हां, लोकपाल का निर्णय अपील करने योग्य है; अपील-प्राधिकारी: उप राज्यपाल, आरबीआई

•       अगर ग्राहक, लोकपाल के निर्णय से संतुष्ट नहीं है, तो वह अपील-प्राधिकारी, यानी उप राज्यपाल, आरबीआई के पास अपील कर सकता है।

•        अधिनिर्णय पत्र प्राप्त होने की तिथि से 30 दिनों के भीतर एनबीएफसी द्वारा अपील में भाग लिया जा सकता है;

•         यह वैकल्पिक विवाद समाधान प्रणाली है और ग्राहक के पास यह अधिकार है कि वह किसी भी चरण में निवारण के लिए किसी अन्य न्यायालय/न्यायधिकरण/प्राधिकरण से संपर्क कर सकता है।

ध्यान दें: योजना की अधिक जानकारी, कंपनी के नोडल अधिकारी के संपर्क विवरण, और लोकपाल से संबंधित व्यक्ति, जिससे ग्राहक संपर्क कर सकता है, के संपर्क विवरण के लिए http://sbfc.com  का संदर्भ लें।

कंपनी के नोडल अधिकारी का संपर्क विवरण नीचे दिया गया है:

एनबीएफसी लोकपाल का नाम और पता नीचे दिया गया है: