Evam Finance Private Limited • RBI-Registered NBFC (Non-deposit taking) • CIN: U65990MH1990PTC055633 • RBI CoR No.: [TO BE PROVIDED]
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RBI Compliance & Regulatory Pages

Evam Finance Private Limited is committed to full transparency and regulatory compliance as an RBI-registered Non-Banking Financial Company. Below are our key regulatory policies and disclosures.

CONTENT: Full text of Evam’s board-approved Fair Practice Code as per RBI Master Direction DNBR.PD.008/03.10.119/2016-17. Must cover:

  • Loan application forms and processing
  • Loan appraisal and terms/conditions
  • Disbursement of loans including changes in terms
  • General provisions (non-coercive recovery, non-interference with borrower assets, non-discrimination)
  • Responsibility for agents/recovery agents
  • Disclosure of effective rate of interest (annualised)

[CONTENT TO BE PROVIDED BY EVAM LEGAL TEAM]

Evam Finance Private Limited has established a multi-tier grievance redressal mechanism to address customer complaints in a fair, transparent, and timely manner.

Level 1 — Grievance Redressal Officer

  • Name:[TO BE PROVIDED]
  • Designation:[TO BE PROVIDED]
  • Address: 1103, Lodha Supremus, Dr E-Moses Road, Worli, Mumbai–400018, Maharashtra
  • Phone: [TO BE PROVIDED]
  • Email: grievance@evamfinance.com

All complaints will be acknowledged within 48 hours and resolved within 15 business days.

Level 2 — Principal Nodal Officer

If the complaint is not resolved within 15 days, or if the complainant is not satisfied with the resolution, they may escalate to the Principal Nodal Officer.

  • Name:[TO BE PROVIDED]
  • Designation:[TO BE PROVIDED]
  • Phone: [TO BE PROVIDED]
  • Email: grievance@evamfinance.com

Level 3 — Reserve Bank of India Ombudsman

If the complaint is not resolved within 30 days, or if the complainant remains unsatisfied, they may file a complaint with the RBI Integrated Ombudsman:

  • Online:https://cms.rbi.org.in
  • Phone: 14448
  • Email: gcrpc@rbi.org.in

CONTENT: Board-approved policy covering:

  • Approach to interest rate determination
  • Gradation of risk and rationale for different rates
  • Disbursement of loans including changes in terms
  • Annualised rate disclosure
  • Processing fees, prepayment/foreclosure charges
  • Penal interest policy

[CONTENT TO BE PROVIDED BY EVAM LEGAL TEAM]

Summary of KYC procedures, customer identification requirements, document requirements, and reference to RBI Master Directions on KYC. [CONTENT TO BE PROVIDED]

RBI Integrated Ombudsman Scheme, 2021

The Reserve Bank of India has established the Integrated Ombudsman Scheme, 2021, to provide a cost-free and expeditious complaint redressal mechanism for customers of regulated entities including NBFCs.

Key features: The scheme covers complaints relating to deficiency in service by regulated entities. Complaints can be filed online at https://cms.rbi.org.in, by calling 14448, or by sending an email to crpc@rbi.org.in. There is no cost to the complainant.

Principal Nodal Officer

  • Name:[TO BE PROVIDED]
  • Designation:[TO BE PROVIDED]
  • Phone: [TO BE PROVIDED]
  • Email: grievance@evamfinance.com

Caution Against Fraud

It has come to our notice that certain individuals and entities may attempt to use the name and logo of Evam Finance Private Limited to solicit personal information, advance fees, or loan processing charges from members of the public.

We wish to clarify that Evam Finance Private Limited does not collect any upfront fees or charges for loan processing through unsolicited calls, SMS, WhatsApp messages, or social media. We do not guarantee loan approval through any unofficial channel. Our official website (evamfinance.com) and authorised communication channels are the only platforms endorsed by the company.

If you encounter any suspicious communication claiming to be from Evam Finance, please report it to grievance@evamfinance.com.

Please note: Evam Finance does not offer personal loans or instant loans to individuals.

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This policy is being finalised and will be published shortly. For any questions regarding our privacy practices or terms of service, please contact compliance@evamfinance.com.