Transparent, ethical and customer-first lending communication.

Fair, transparent and responsible lending practices.

Orrish Finance Private Limited is committed to following fair practices in its dealings with customers, borrowers and applicants.

The objective of this Fair Practice Code is to promote transparency, responsible lending communication, ethical conduct and customer confidence in the lending process.

Clear information during application and processing.

Orrish Finance shall provide clear information to customers regarding loan products, application requirements, document submission and process-related communication.

• Customers should be informed about the basic requirements for loan application.
• Loan applications shall be processed based on submitted details, document verification and internal assessment.
• Additional documents or clarifications may be requested depending on the applicant profile and loan type.
• Submission of an application does not guarantee approval or disbursal.

Customers should understand key terms before accepting a loan.

Orrish Finance aims to communicate important loan-related information in a clear and understandable manner so that customers can make informed decisions.

• Loan amount, tenure, repayment mode and charges should be communicated as applicable.
• Interest rate and other relevant terms shall be subject to eligibility, credit assessment and applicable policy.
• Customers should review loan documents carefully before acceptance.
• Digital lending information, if applicable, should be shared in accordance with regulatory requirements.

Respectful and professional communication.

Orrish Finance shall strive to maintain respectful, fair and professional communication with customers during enquiry, application, servicing and support.

• Customer queries should be handled in a timely and responsible manner.
• Customers should not be misled about approval, eligibility or disbursal.
• Customer information should be handled responsibly and used for legitimate business, compliance and support requirements.
• Customers should be informed about relevant support channels wherever required.

Collection practices should remain lawful and fair.

Orrish Finance shall follow lawful and fair recovery practices and expects authorized representatives, partners or service providers to follow applicable conduct standards.

• Recovery communication should be conducted in a professional manner.
• Customers should be treated with dignity and respect.
• Unfair, threatening or inappropriate conduct should not be used during recovery communication.
• Repayment support and clarification should be provided through authorized channels.

Customer complaints should have a clear support route.

Orrish Finance provides grievance support for customers who wish to raise concerns related to services, lending process, data privacy or digital lending experience.

• Customers may contact Orrish Finance support for service-related queries.
• Privacy or digital lending grievances may be escalated to the designated grievance redressal officer.
• Complaints should be reviewed and responded to through appropriate internal process.
• Customers are encouraged to provide accurate details while raising any grievance.

This Fair Practice Code may be updated from time to time.

Orrish Finance may update this Fair Practice Code as per internal approval, business requirements, customer support needs and applicable regulatory guidance.

Customers are encouraged to review this page periodically for the latest version of the Fair Practice Code.