It is our primary responsibility to focus on customer service and satisfaction. This document details the policy of redressal of customer complaints. The key objective of this policy is to ensure the following:

• All concerns/complaints raised by Customers are resolved in effective and timely manner, leading to their satisfaction;
• Through Customers’ feedback, we are able to improve our processes and products;
• In an event that the Customer is not satisfied with the resolution provided to him, he can escalate the issue to higher level in the organization.

Complaint is an expression of dissatisfaction or resentment either in the form of a representation or allegation made in writing or through electronic means or over phone, containing a grievance alleging deficiency in:

• Services, products, policies of nanokred.
• services provided by the outsourcing agencies engaged by nanokred for providing service to the customers of nanokred,
• employee’s behavior,
• Maintaining confidentiality/ protection of Customer’s personal (including sensitive personal information) and financial information,

Customer means the person who has obtained the loan or finance facility from nanokred.

Complaints may be sent in either of the below mentioned forms:

• Calling on:
• Inwriting through email at: compaints@nanokred.com

Where a Customer visits our offices in Cities where we operate, Office Admins shall assist such Customer to raise his/her query through official channels mentioned on our website or on our loan application “nanokred”

While raising a complaint each complaint should have the following information:

• Customer’s complete name
• Customer’s complete correspondence address
• Registered Email ID
• Registered contact number
• Detail of the complaint
• Other supporting documents (if any)

First call resolution: All the complaints which can be resolved immediately when raised, the response should be provided on the same call and close the same.

Resolution post verification: For the complaints which must be verified and may need further investigation/support from other departments and hence cannot be resolved immediately, Customer should be informed about the expected timelines of the closure. For these complaints, a formal written communication should be given to the concerned department by the authorized person keeping GRO in the loop.

Customer care department should always inform the Customer about the following:

• Information pertaining to all issues/concerns raised by the Customer;
• Explanation of final solution provided;
• Expected timelines towards closure (where immediate solution cannot be provided)
• Maintain contact at defined intervals/milestones to communicate progress on his concern and share reasons for delay/time taken
• Request for supporting documents/information (where applicable) in a clear manner along with the reason for such requirement

The Customer Care Specialist should make limited but reasonable attempts to reach the Customer for providing solution to his/ her complaint, preferably in the form the complaint was received.

After the resolution is provided to the Customer the concerned department updates the status of these complaints as closed in our system. These complaints reflect in closed complaints bucket which can be re-examined at any point of time as and when required.

If the Customer is not satisfied with the resolution or has not received any resolution within the committed turnaround time, he/she can raise his/her concern by giving background and history of the issue, in the following form:

• In writing (through hard copy/ letter) to: Grievance Redressal Officer E-mail: grievance@nanokred.com Contact Number: +918178371848

Grievance redressal officer’s office will respond within 3 working days of receiving the complaint and provide resolution within 30 working days.

All the Customer complaints have to be resolved within 30 days of receipt/escalation.

In order to escalate the complaint to next level, the Customer should share the details/copy of his/her recently closed complaint with the resolution provided by the concerned department.

nanokred has appointed a NodalOfficer under its legal and compliance department

Email: nodalofficer@nanokred.com

In the event that the complaint remains pending at Level 2 for a period of more than 7 working days, or if the customer is not satisfied with the outcome of Level 2 resolution, the customer can contact the Regional Office of the Reserve Bank of India (or via RBI’s website www.rbi.org.in).