Code of Conduct
Our ethical lending standards, member commitments, and operational principles designed to promote fair, transparent, and responsible digital lending.
We have rapidly emerged as a digital-first economy. Technology is transforming industries, improving financial inclusion, and accelerating economic growth. While digital channels allow for a streamlined, fast-first approach to lending, the rapid expansion of the fintech industry creates the need for members of our community to uphold the highest standards of integrity, transparency, and responsible lending. Adhering to these principles helps build consumer trust and ensures sustainable growth.
The Code of Conduct establishes a practical framework of ethical principles and operational standards to ensure fair, transparent, and responsible digital lending practices. It is designed to protect borrowers, promote sound business practices, and ensure responsible digital lending.
This Code of Conduct applies to all members and stakeholders involved in digital lending activities.
Members shall maintain high standards of compliance, transparency and responsible conduct.
Appropriate monitoring and enforcement mechanisms shall be maintained.
Members shall promote awareness of the Code of Conduct.
Every Member shall maintain full compliance with all applicable laws, guidelines, circulars, and directives governing its operations. These include, but are not limited to, guidelines issued by the Reserve Bank of India (RBI), SEBI, and other applicable regulatory authorities.
Every Member shall also be held responsible for ensuring that all its employees, agents, and operations comply with this Code of Conduct.
Members shall conduct their activities with integrity, transparency, fairness and accountability.
Members shall establish appropriate operational standards and internal controls.
Members shall maintain an accessible and transparent grievance redressal mechanism.
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