ADMANUM FINANCE LIMITED "AGRAWAL HOUSE" Ground FLOOR,
5 YASHWANT COLONY, INDORE - 452003 (M.P.)
PHONE: 0731 - 2548851, 2538874, 2539575
FAX: 0731 - 4040805
As required by Reserve Bank of India vide RBI/2006-07/138 DNBS (PD) CC No. 80/03.10.042/2005-06 the Board of Directors of the Company adopted Fair Practice code as under:

I PREAMBLE

Various Financial products of AD-MANUM FINANCE LIMITED (AMFL) are & shall be available to all eligible and qualified applicants irrespective of Case, Creed and Marital Status. Its policy is to treat all Customers equally, fairly and consistently. It will further ensure Implementation of Fair Practice Code (EPC) honestly and prudently with full responsibility of entire organization. It shall adopt all the best practice prescribed by RBI from time to time and shall make modification if necessary. FPC is applicable to all products and services offered by us currently or in future irrespective of whether the same is provided physically, Over Phone, On Internet or any other method existing or futuristic.

II KEY COMMITMENTS

AMFL promises to act fairly and diligently with its customers, meeting all laws and regulation mentioned in FPC. It shall assist the customer prudently by explaining all the pros & cons of a financial product, which he/she opted for so that the customer has trouble free experience dealing with AMFL. Mistakes will be corrected and complaints will be handled quickly by AMFL. It will reverse the charges applied to customers mistakenly.

III LOANS & ADVANCES

Loan application form of AMFL will include all necessary information and indication of Documents required to be submitted by customers. Further it shall be disposed off the loan application within reasonable time along with confirmation of rate of interest and other terms and condition. AMFL’s decision to recall/ accelerate payment shall be in consonance with loan agreement. It shall release all securities of the borrower as and when he/she pays all the dues except in case where AMFL has right or lien for any claim against borrower. AMFL shall convey the request from of borrower for transferring his account to any other financial institution within 21 days from such date of request. In case of recovery of Loan AMFL shall not resort to undue harassment with borrower.

IV TERMS & CONDITION

AMFL will upload its FPC on its website for customer convenience. It shall give prior notice of any kind of change in terms and condition to the borrower. It will refrain itself from interfering in the personal affairs of customer except in case where any new and undisclosed information of customer to its notice. AMFL will ensure that all advertising and promotional activities are fair and reasonable. Unless authorized AMFL will treat all personal information of customers as confidential. It shall lay down appropriate grievance redressal mechanism and will work on complaints of customers quickly. Consolidate periodical review reports of functioning of FPC & grievance redressal mechanism will be submitted to board at regular intervals.

V FORCE MAJEUR

Various commitments outlined and made by AMFL are applicable under normal operating environment and not in the event of force majeur.

For Ad-Manum Finance Limited
S/d
(J.N. Choudhury)
Director In Charge