Our Company Policy

Terms, Privacy & Fair Practices

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1. Privacy Policy & Data Collection

At NHPCL, your privacy is our utmost priority. We collect personal and business information exclusively for the purpose of evaluating loan applications, verifying identity, and fulfilling regulatory compliance (KYC requirements). We do not sell, rent, or trade your data to third-party marketing firms. All sensitive documents submitted through our portal or in person are encrypted and stored in secure, restricted-access servers.

View Privacy Policy (PDF)

2. Fair Practices Code (FPC)

NHPCL adheres strictly to the Fair Practices Code formulated to ensure transparency in our financial dealings:

• Transparency: All terms and conditions, including interest rates, processing fees, and penal charges, will be communicated clearly to the borrower in the loan agreement.
• Non-Discrimination: We do not discriminate on the basis of gender, caste, or religion in our lending practices.
• Grievance Redressal: A dedicated mechanism is in place to resolve customer disputes rapidly and fairly.

Download Fair Practices Code (PDF)

3. Interest Rate & Charges Policy

The interest rate applicable to loans is determined based on the borrower's credit profile, the cost of funds, the tenure of the loan, and the value of collateral (if any). All processing fees, prepayment penalties, and late payment charges are explicitly stated upfront. NHPCL guarantees that there are no hidden charges.

Download Interest Policy (PDF)

4. Grievance Redressal Policy

Formal Resolution Channel: It acts as a structured framework for individuals to voice complaints—whether about service failures, workplace issues, or legal rights—ensuring grievances are handled systematically rather than being lost in an inbox abyss.

View Grievance Redressal Policy (PDF)

5. Terms & Conditions of Website Use

By using the NHPCL website, you agree to the following terms:

• The content provided on this website is for informational purposes only and does not constitute a legally binding financial offer until a formal loan agreement is signed.
• Users must not use the website for any unlawful activities or attempt to breach the website's security protocols.
• NHPCL reserves the right to modify these terms, interest rates, and loan features without prior notice, subject to internal management decisions and regulatory changes.

Download Terms & Conditions (PDF)

6. Consent

By submitting an inquiry or application through our website, you consent to our representatives contacting you via phone, email, or SMS regarding your application, regardless of your registration on the Do Not Call (DNC) registry.