Grievance Redressal Policy

Ramesham Credit & Securities (India) Limited

1. Objective

The purpose of this Grievance Redressal Policy is to ensure that customer grievances are addressed promptly and effectively. At Ramesham Credit, we are committed to delivering a customer-centric experience by resolving all concerns in a fair and transparent manner.

2. Scope

This policy applies to all customers availing of financial products and services provided by Ramesham Credit & Securities (India) Limited. It covers complaints related to loan disbursements, repayments, charges, customer service, and other operational aspects.

3. Grievance Redressal Mechanism

  1. Level 1: Customer Support

    Customers are encouraged to register their grievances with our Customer Support team via:

    Our support team will acknowledge the complaint within 2 working days and aim to resolve it within 7 working days.

  2. Level 2: Nodal Officer

    If the grievance remains unresolved at Level 1, customers can escalate it to our Nodal Officer at:

    • Email: nodalofficer@rameshamsecurities.com
    • Address: Cabin No. 1,1015, 10th Floor, Arunachal Building, Barakhamba Road, Connaught Place, Central Delhi, New Delhi, Delhi, India, 110001

    The Nodal Officer will review the case and respond within 10 working days.

  3. Level 3: Regulatory Authority

    If the issue remains unresolved after escalation to the Nodal Officer, customers may approach the Office of the Ombudsman or the Reserve Bank of India (RBI) as per applicable regulations.

4. Turnaround Time (TAT)

Ramesham Credit is committed to addressing customer complaints within the following timelines:

  • General complaints: Within 7 working days.
  • Escalated complaints: Within 10 working days.
  • Complex cases requiring further investigation: Up to 30 working days.

5. Record Maintenance

All complaints and resolutions will be documented and maintained for audit and regulatory purposes. This includes the nature of the complaint, actions taken, and the final resolution.

6. Review and Updates

This policy will be reviewed periodically to ensure compliance with regulatory changes and to incorporate customer feedback. Updates will be communicated via our website and other official channels.

7. Contact Details

For any queries or grievances, please reach out to us at:

Email: compliance@rameshamsecurities.com
Address: Cabin No. 1,1015, 10th Floor, Arunachal Building, Barakhamba Road, Connaught Place, Central Delhi, New Delhi, Delhi, India, 110001