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Fair Practices Code

4S Finserv operates as a loan facilitator and Direct Selling Agent (DSA) for banks and Non-Banking Financial Companies (NBFCs) regulated by the Reserve Bank of India (RBI). While we are not a lender, we are committed to conducting our business in line with the principles of the RBI Fair Practices Code so that every borrower we assist is treated fairly, honestly, and transparently.

1. Our role

We connect borrowers with suitable lenders from our partner network, help compile and present loan applications, and assist through to disbursal. The sanction of any loan, the interest rate, charges, and all terms are decided solely by the lender. We do not sanction loans, and we do not guarantee approval.

2. No fee from borrowers

We do not charge borrowers any fee for our facilitation services. We are compensated by the partner lender upon successful disbursal. We will never demand an upfront payment, processing fee, or deposit from you in exchange for arranging a loan. If anyone claiming to represent us asks for such a payment, please report it to us immediately.

3. Transparency and disclosure

  • We share clearly, and in good faith, the indicative rates, fees, and terms communicated to us by partner lenders, while making clear that the lender’s final offer prevails.
  • We do not make misleading claims about approval, rates, or timelines.
  • We disclose that all loan products are offered by partner banks and NBFCs, and that we act only as a facilitator.

4. Handling of your information

We collect only the information needed to assess and present your loan requirement. With your explicit consent (in line with the Digital Personal Data Protection Act, 2023), we share your details with relevant partner lenders for the sole purpose of loan facilitation. We do not sell your data. For more detail, see our Privacy Policy.

5. Non-discrimination

We assist all borrowers fairly, without discrimination on the basis of gender, religion, caste, or community. Lender eligibility criteria are determined by the lender.

6. Grievance redressal

If you have a complaint about our conduct or service, please contact our Grievance Officer:

  • Grievance Officer: Surya Sri R
  • Phone: +91 98663 59955
  • Email: [email]
  • Address: [registered address]

We aim to acknowledge complaints within 3 working days and resolve them within a reasonable timeframe. If your complaint relates to a lender’s product or conduct, we will help you direct it to the lender’s grievance channel.

If you are not satisfied with the resolution, you may escalate to the RBI through the RBI Sachet Portal or the RBI Banking Ombudsman / Integrated Ombudsman Scheme.

7. Review

This Fair Practices Code is reviewed periodically and updated to remain aligned with RBI guidelines and applicable law.

4S Finserv is a loan facilitator / DSA, not a lender. CIN: [placeholder]. Rates and terms are indicative and at the sole discretion of partner lenders.