Governance
CorporatePolicies.
Browse and view the board-approved statutory, operational, and security policies governing DJT Microfinance.
Interest Rate Policy 2025
Cost of funds, operating margins, risk premium models, and pricing framework for borrower loans.
Fair Practices Code
RBI-aligned guidelines on transparent customer transactions, appraisals, non-coercive recoveries, and ethical lending behavior.
Customer Grievance Redressal Mechanism Policy
Step-by-step grievance log procedures, nodal officer escalation contacts, and SLA resolution timelines.
Ombudsman Policy
Implementation of the RBI Integrated Ombudsman Scheme for independent dispute resolution.
Privacy Policy
DPDP Act 2023 aligned rules governing the collection, usage, restricted sharing, and protection of borrower KYC data.
Code of Conduct Policy
Strict professional, ethical, and behavioral standards for field and office staff interacting with stakeholders.
Stress Asset Policy
Framework for identifying, monitoring, restructuring, and managing credit portfolios under stress.
Anti-Money Laundering & KYC Policy Manual
AML prevention strategies, regular identity audits, and customer identification/onboarding controls.
Business Continuity Policy
Plans and strategies to ensure operational resilience and key services survival during unforeseen crises.
CCTV Policy
Surveillance guidelines, video recording safety, and audit rules for physical security at offices and branch premises.
Data Classification Policy
Policy defining levels of sensitivity, storage guidelines, and access rights for corporate data.
Data Protection Policy
Operational rules and controls to prevent data leaks, unauthorized modifications, or privacy breaches.
Email Usage Policy
Guidelines for appropriate corporate email access, transmission restrictions, and communications audit logs.
Anti-Virus Policy
Guidelines to prevent malware infections, system patching frequency, and antivirus sweeps on company terminals.
Refund Policy
Refund parameters and process for delayed disbursements, duplicate transactions, or excessive collections.
Vigil & Whistleblower Policy
Safe report channel for fraud, accounting misconduct, or ethical violations with zero retaliation/retribution.
Write off, Compromise Settlement and Waiver Policy
Restructuring guidelines, write-off thresholds, and concession waivers approval matrices.
Information Security Policy
Corporate IT frameworks, access controls, network boundaries, and general security posture settings.