CUSTOMER GRIEVANCE REDRESSAL POLICY

Jayanth Financial Services Private Limited (hereinafter reffered to as "Jayanth") is committed to the highest level of experience for its customers – from lead generation to application processing, disbursement, collections, and closure. Despite our best efforts, customers may encounter issues. Thus, we have in place a customer grievance process which addresses the issues in a seamless and timely manner.

Key Pointers

1. Resolution to the complaints/queries or disputes in an established timeline
2. Ensuring all customers are heard via different redressal channels at their convenience
3. Multiple levels of escalations with turnaround times for each level mentioned upfront
4. Grievance Redressal Policy communicated to the customer in the loan agreement
5. Strict measures for ensuring SLA at each level

Process

1. Customers can report grievances to Jayanth via email, phone or post/in-person.
2. In absence of satisfactory resolution within specified time frames, customers can escalate the grievance to the next level.
3. Multiple levels of escalation along with expected resolution times have been provided below along with their coordinates.
4. In absence of resolution from company within 30 working days, customers can escalate the issue to regional office of RBI (coordinates given in level 4 escalation)
5. Escalation Matrix and Timelines

Initial Reporting:
Via Web-Site: https://jayanthfinancial.in
Via Post/courier :
To: Complaints
Jayanth Financial Services Private Limited
739, 9th Main Road, Pillanna Garden, 3rd Stage, Bangalore- 560045

Nodal Officer - check Nodal Officer on web-site form.
Grievance Redressal Officer - check Grievance Redressal Officer on web-site form.

Customers can also walk-in to the office of Jayanth Financial Services Private Limited for grievance redressal, the address of which is given above.
Depending on the query/dispute/grievance, a reply/resolution will be shared with the customer within 15 working days.

Reserve Bank Of India (RBI) Contact Details
The General Manager,
DNBS – Reserve Bank of India,
10/3/8, Nrupathunga Road, Bengaluru – 560 001, India

Complaints to Ombudsman
In case the Borrower does not receive a response from the Grievance Redressal Official or the Nodal Officer within one month from the date of making a representation to the Lender, or if the Borrower is not satisfied with the response so received, a complaint may be made in accordance with the ‘The Ombudsman Scheme for Non-Banking Financial Companies, 2018’ (“Ombudsman Scheme”) to the Ombudsman in whose jurisdiction the office of the Lender complained against, is located. For contact details of the Ombudsman and for salient features of the Ombudsman Scheme, please refer to our website https://www.kbnbfc.in/ombudsman-scheme. A copy of the Ombudsman Scheme is available on the website of the Reserve Bank of India at www.rbi.org.in and also with our Nodal Officer.