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Investor & Policy
Disclosures

पारदर्शिता ही असली पूंजी है
We believe trust is built when policies are visible and decisions are auditable.
Downloads

Policies, disclosures, and reports.

These are the same documents you will find quoted in our Lending Approach page. Keeping them in one place makes regulatory reviews and investor conversations faster.

PDF
Extract of Form 5A
Under the Employees' Payment of Wages Act.
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PDF
Fair Practice Code
Board-approved. Customer-facing.
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PDF
Interest Rate Policy
Methodology + approach to differential pricing.
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PDF
Grievance Redressal
Escalation ladder + SLAs + nodal officer.
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PDF
KYC / AML note
High-level public-safe summary.
Not provided
PDF
Privacy Policy
How we collect, store, and share customer data.
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PDF
Annual Return FY 2025
Audited annual return and governance snapshot.
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PDF
Annual Return FY 2024
Audited annual return and governance snapshot.
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PDF
Annual Return FY 2023
Audited annual return and governance snapshot.
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PDF
Annual Return FY 2022
Audited annual return and governance snapshot.
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PDF
Annual Return FY 2021
Audited annual return and governance snapshot.
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PDF
Board Composition
Independent + Non-executive + Executive directors.
Not provided
Talk to Investor Relations

Institutional investor? We have a dedicated desk.

cs@ritwikfinance.com | Contact: 92570 23660