Udgam MicroFinance

• Full transparency in loan terms, sanction process, pricing, and security.
• No hidden charges or sudden interest hikes. All charges and fees disclosed to customers in writing.
• Timely disbursement and honest collection practices. Customer dignity is priority.
• Easy access to detailed grievance redressal process.

• Call our Toll-free: 1800-203-3364 or email support@udgamfinance.com
• Write to your nearest branch or use online form (website/App).
• Escalation: If complaint unresolved, next level as per policy & RBI regulation.
• Compliant handling time as per latest RBI timelines.

Your personal data (including Aadhaar, PAN, bank details) is used only as legally required—never sold or shared beyond compliance/KYC.

• Only authorized staff can access your details.
• Right to ask for the information we maintain.
• Data retained/removed as per RBI & IT Act timelines.

• Right to clear, written communication.
• Non-discriminatory, respectful treatment.
• Right to appeal and get resolution within set time.
• No forced sale, no forced product linkage.

• Employees must not accept gifts or bribes.
• Ethical & professional behavior towards all customers and staff.
• Prohibition on sharing any customer/financial information without authorization.

• No recovery agents visit beyond 7pm, no harassment or use of force.
• All reminders/overdues are issued in writing first.
• If repayment difficulty—request for restructuring/extension.

• Every customer must submit full KYC as per RBI/CERSAI.
• Risk profiling, PEP/blacklist check and suspicious report submission.
• Annual re-KYC mandatory for all continuing relationships.

• Report frauds, violations, abuse: on email, tollfree, or branch box.
• Full anonymity and protection guaranteed—no victimization.
• Immediate escalation to director and board if severe breach.