INTRODUCTION:
Customer service is extremely important for sustained business growth and as an organization Finnable Technologies Private Limited (“Company”) strives to ensure that our customers receive exemplary service across different touch points.
PURPOSE
Customer complaints constitute an important voice of the customer, and this policy details complaint handling through a structured grievance redressal framework. Complaint redressal is supported by a review mechanism, to minimize the recurrence of similar issues in future.
The Grievance Redressal policy follows the following principles:
INTERNAL MACHINERY TO HANDLE CUSTOMER COMPLAINTS
The Company has invested in the best-in-class CRM system to ensure timely resolution of the grievances. The system captures the complaints; follows TATs based on the nature of the query and escalates issues on the basis of predefined TATs and as per the escalation matrix. Once captured in the CRM system, the customer care will be responsible for resolution of complaint/grievance to the customer’s satisfaction within a period of 14 working days. Every attempt will be made to offer the customer suitable and appropriate alternate solutions wherever possible. However, if the customer continues to remain dissatisfied with the resolution, (s)he can escalate the issue through the grievance redressal mechanism as referred below.
TIME FRAME
Suitable timelines of 14 working days have been set for every complaint depending upon the investigations which would be involved in resolving the same. Complaints are suitably acknowledged on receipt and the customers are informed of delays if any, in the resolution.
REVIEW AND MONITORING
Periodic review of monitoring of complaints, TATs, nature of complaints will be done to ensure that process loopholes, if any, are plugged and trends are checked.
ESCALATION MATRIX:
Customer care
Borrowers are requested to address all their grievances at the first instance to the Customer care team. The contact details of the Customer are:
Email Id: makeiteasy@finnable.com
The Customer care team shall endeavor to resolve the grievance within a period of 14 (fourteen) days from the date of receipt of a grievance.
Grievance Redressal Officer
If the Borrower does not receive a response from the Customer care team within 14 (fourteen) days of making a representation, or if the Borrower is not satisfied with the response received from the Customer care team, the Borrower may reach out to the Grievance Redressal Officer on the number below anytime between 10 AM and 7 PM from Monday to Saturday except public holidays or write to the Grievance Redressal Officer at the e-mail address below. The contact details of the Grievance Redressal Officer are provided below,
Mr. Akshay Raja
Designation: Grievance Redressal Officer
Address: IndiQube Lakeside, 4th Floor Municipal No. 80/2 Wing A Bellandur Village, Varthur Hobli, Bengaluru, Karnataka, 560103.
Contact: 9741160321
Email: gro@finnable.com
Nodal Officer
Customers are requested to first raise their concerns through any of channels mentioned above. In case of delayed or no response from the respective channel within the specified timelines, such complaint may be escalated to the Nodal Officer of whose details are as given below:
Name and contact details of the Nodal Officer of the Company
Name of the Officer | Office Address | Email Id |
Nitin Gupta | IndiQube Lakeside, 4th Floor Municipal No. 80/2 Wing A, Bellandur Village, Varthur Hobli Bengaluru KA 560103 IN |
ESCALATION TO RESERVE BANK OF INDIA
Customers may refer to Grievance Redressal Officer Policy available on the website of the individual Lending Partners for redressal of any grievance or escalation to RBI.
It shall be at our constant endeavour to resolve all the customer complaints at our level and to keep all our customers satisfied.
Terms and condition and legal disclaimer
Finnable is a personal loan app developed by Finnable Technologies Private Limited, which is a subsidiary of Finnable Credit Private Limited, a RBI licensed NBFC.
Example of Personal Loan for Salaried Professionals
✓ Loan Amount from ₹50,000 to ₹10,00,000
✓ Repayment period (loan tenor) options vary from 6 to 60 months
✓ Annual Interest Rate (APR) is 16% to 26% (on a reducing balance basis) + processing fees of 3 to 4% on the principal loan amount
✓ For Example – a loan of ₹1,00,000 with an APR of 16% (on a reducing balance basis), repayment tenure of 12 months, processing fee of 3%. The processing fee will be ₹3,000 + ₹540 GST with monthly EMI will be ₹9,394. The total loan amount will be ₹1,03,540. Total interest payable over 12 months will be ₹9,191. Total loan repayment amount is ₹103540 + ₹9191 = ₹1,12,731 *These numbers are for representation only and the final interest rate or processing fee may vary from one borrower to another depending on his/her credit assessment.
✓ Loan Prepayment Charges: 3 to 6% charge + 18% GST on the remaining principal amount (allowed after 6 EMI payments)
Why is Finnable the best personal loan app?
Instant Loans within 48 hours: Gone are the days when you had to wait weeks & months to get a loan approved.
Completely Digital/Paperless: Finnable instant loan app offers a complete digital service to help save time as well as paper!
Security & Privacy Policy
Finnable instant loan app ensures the safety of its customers via standard security. In simple terms, we do not share personal information
with third-party apps.
Contact Us: Drop us an email: makeiteasy@finnable.com
Address: IndiQube Lakeside, 4th Floor Municipal No. 80/2 Wing A, Bellandur Village Varthur, Hobli, Bengaluru, Karnataka 560103
Responsible Lending
Finnable has partnered with RBI authorised & regulated NBFCs/Financial Institutions.
Our policies and services are fully regulated and legally compliant.
Personal loan in Ahmedabad
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Finnable is one of the fastest growing financial technology (Fintech) start-up with an NBFC license from RBI providing hassle free loans. Our mission is to make Personal loans available in less than 24 hours
Example of Personal Loan for Salaried Professionals
✓ Loan Amount from ₹50,000 to ₹10,00,000
✓ Repayment period (loan tenor) options vary from 6 to 60 months
✓ Annual Interest Rate (APR) is 16% to 26% (on a reducing balance basis) + processing fees of 3 to 4% on the principal loan amount
✓ For Example – a loan of ₹1,00,000 with an APR of 16% (on a reducing balance basis), repayment tenure of 12 months, processing fee of 3%. The processing fee will be ₹3,000 + ₹540 GST with monthly EMI will be ₹9,394. The total loan amount will be ₹1,03,540. Total interest payable over 12 months will be ₹9,191. Total loan repayment amount is ₹103540 + ₹9191 = ₹1,12,731 *These numbers are for representation only and the final interest rate or processing fee may vary from one borrower to another depending on his/her credit assessment.
✓ Loan Prepayment Charges: 3 to 6% charge + 18% GST on the remaining principal amount (allowed after 6 EMI payments)
Why is Finnable the best personal loan app?
Instant Loans within 48 hours: Gone are the days when you had to wait weeks & months to get a loan approved.
Completely Digital/Paperless: Finnable instant loan app offers a complete digital service to help save time as well as paper!
Why is Finnable the best personal loan app?
Instant Loans within 48 hours: Gone are the days when you had to wait weeks & months to get a loan approved.
Completely Digital/Paperless: Finnable instant loan app offers a complete digital service to help save time as well as paper!
CIBIL Score Not Required for Taking a Loan: Unlike other personal loan apps online, you can take a loan even without an existing CIBIL Score
No Hidden Charges: A key feature that makes Finnable one of the best loan apps available is transparency. There are no hidden charges whatsoever, making the entire process a smooth one.
Finnable instant loan app offers a wide range of EMI plans. You can also use our personal loan EMI calculator to help you choose the perfect plan.
Loan Eligibility Criteria for Salaried Individuals (No Blue-Collar Employees)
•The net in-hand salary of the individual has to be ₹25k and above in metros or ₹15k and above in tier 2 & other cities
•He/she should have worked for more than six months
•First-time borrowers need to have a Finnable score of 650
•The individual should have valid Aadhaar, Pan & Address proof
•Finnable Loan is currently available in 23 cities
How to Apply for Instant Personal Loans Online?
• Register with OTP
• Ensure that you have the documents listed on the Web/App
• Provide details of amount required, net monthly salary & any other EMIs
• Do KYC & profile setup
• Validate address with pin code verification
• Select amount & tenure
• Provide bank details
APR Charges
The APR (Annual Percentage Rate) charges differ from person to person as it considers the different products availed and the risk profile of the customer. However, it generally ranges between 16%-26%.
Security & Privacy Policy
Finnable instant loan app ensures the safety of its customers via standard security. In simple terms, we do not share personal information
with third-party apps.
Contact Us: Drop us an email: makeiteasy@finnable.com
Address: IndiQube Lakeside, 4th Floor Municipal No. 80/2 Wing A, Bellandur Village Varthur, Hobli, Bengaluru, Karnataka 560103
Responsible Lending
Finnable has partnered with RBI authorised & regulated NBFCs/Financial Institutions.
Our policies and services are fully regulated and legally compliant.
Check your Loan Eligibility in 2 min