Integrity
Non–negotiableWe commit to honest communication, accurate information, and fair practices in every interaction – from eligibility assessment to closure of the loan.
About Amaravathi Financial Solutions
Building trustworthy, compliant financial journeys
Amaravathi Financial Solutions is a registered NBFC offering accessible, responsible credit through gold, personal, and micro loans – with transparency, integrity, and a customer-first mindset at the core of everything we do.
- Registered as
- NBFC with RBI
- Focus areas
- Gold, Personal, Micro loans
Our story
Who we are and how we serve our customers
Established with the vision of making formal credit more approachable, Amaravathi Financial Solutions focuses on simple products, clear communication, and quick turnarounds. Our teams are trained to guide customers through every step – from eligibility checks to repayment – so that borrowing always feels transparent and predictable.
Customer-first processes
Our loan journeys are designed around customer clarity – with documented terms, clear repayment schedules, and support throughout the lifecycle.
On-ground & digital
We combine on-ground presence with digital tools to make documentation, approvals, and servicing faster and more convenient.
At a glance
Our branches are designed to be welcoming, clearly signposted, and accessible – making it easy for customers to understand products and complete documentation with confidence.
Branch experience
Guided, transparent, supportive
Communication
Multi-language assistance
Our values
Principles that guide every decision
Our culture is built on doing the right thing – for our customers, our teams, and our partners. These values shape how we design products, communicate, and resolve issues.
Transparency
Clear & upfrontWe focus on explaining charges, tenures, and obligations clearly, so customers can make confident decisions without hidden surprises.
Customer focus
Everyday mindsetWe design processes to be empathetic and supportive, with teams trained to listen, clarify, and recommend products that genuinely fit customer needs.
These values also shape our internal culture – from how we train teams to how we measure success and resolve customer concerns.
View grievance redressal processStrategic collaborations
Partnerships that strengthen our offerings
We work closely with specialised partners to bring robust technology, digital lending capabilities, and efficient back-office operations to our customers – while keeping responsibility and compliance firmly with Amaravathi Financial Solutions.
- GetItNow
- Our digital lending partner that powers seamless micro-loan journeys, helping us serve customers quickly with robust technology infrastructure.
Technology and control
Technology & control
Partnerships help us modernise our technology stack, while policy decisions, compliance, and customer obligations remain firmly with AFS.
How we work together
Clear responsibilities, SLAs, and data protection standards underpin every partnership, ensuring customers receive reliable, secure services.
- • Robust data security practices
- • Periodic audits and reviews
- • Continuous improvement of customer journeys
Regulatory compliance
Responsible lending, aligned with RBI guidelines
We strictly adhere to applicable RBI regulations and internal credit policies. From KYC and documentation to interest rate disclosures and recovery practices, our framework is built to protect customer interests and promote long-term financial well-being.
Fair practices
A documented Fair Practices Code guides how we communicate, price, and service loans.
Grievance redressal
Structured channels and defined timelines ensure customer concerns are tracked and resolved.
Governance in practice
Our internal committees regularly review portfolios, customer feedback, and policy changes to ensure our practices remain prudent, compliant, and customer-centric.
- • Periodic internal audits and compliance reviews
- • Training programs for staff on regulations and conduct
- • Clear escalation paths for complex customer cases
Learn more about AFS
Have questions about our products or policies?
Reach out to our team for detailed information on documentation, eligibility, repayment options, and our approach to responsible lending.