Terms & Conditions

1. General terms

Amaravathi Financial Solutions (AFS) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). These terms and conditions govern your use of our financial services and products.

2. Loan products

We offer the following loan products in compliance with RBI guidelines:

• Gold Loans – Secured against gold jewellery
• Micro Loans – Small-ticket loans for immediate needs
• Personal Loans – Unsecured loans for various purposes

3. Interest rates and charges

All interest rates and charges are determined in accordance with RBI guidelines:

• Interest rates are disclosed upfront
• No hidden charges or fees
• Transparent processing fees
• Clear prepayment terms

4. KYC and documentation

As per RBI guidelines, we require the following documentation:

• Valid identity proof (Aadhaar, PAN, etc.)
• Address proof
• Income proof (where applicable)
• Additional documents as per loan type

5. Privacy and data protection

We are committed to protecting your personal information in accordance with RBI guidelines and data protection laws:

• Secure data storage and transmission
• Limited data sharing with authorized entities
• Regular security audits
• Customer consent for data usage

For more details, please refer to our Privacy Policy.

6. Grievance redressal

We have a structured grievance redressal mechanism as per RBI guidelines:

• Dedicated grievance officer
• Timely resolution of complaints
• Escalation process
• RBI Ombudsman as final recourse

You can also review our Grievance Redressal Policy for detailed procedures.

7. Regulatory compliance

We strictly adhere to all RBI regulations and guidelines:

• Fair Practices Code
• KYC/AML guidelines
• Interest rate regulations
• Recovery practices

For more information, please refer to our Fair Practices Code and other policy documents available on this website.