Grievance Redressal Mechanism

1. How to log in a complaint/where can a complaint be made

Any customer having a grievance/complaint/feedback with respect to the product and services offered by InCred Financial Services Limited (hereinafter referred to as ‘the Company’) may write to the Company’s Customer Service Department through any of the following channels:

 Call at 18001022192

 Email- care@incred.com

 You may write a letter at the address- Unit No. 1203, 12th floor, B Wing, The Capital, Plot No. C - 70, G Block, Bandra - Kurla Complex Mumbai-400051 Maharashtra

 Website- www.incred.com

2. How a complaint should be made:

Customers are requested to necessarily provide necessary loan details i.e. Loan Account Number, Details of Feedback/ Suggestion/ Complaint and valid Contact Information including phone no. & e-mail ID while lodging communicating with the Company.

3. When to expect a reply

The Company shall endeavor to address/respond to all queries/grievances within reasonable time and keep the customer in informed about the status of their complaints. Each customer query/ complaint being unique in nature, may take up to 4 weeks for complete resolution after investigation.

4. Whom to approach for redressal

Customers are requested to first raise their concerns through any of the channels mentioned above. And if the same is not resolved within 5 days or if the customer is not satisfied with the solution provided by the customer care service, then the customer may follow below escalations for resolving their grievances,

Name: Ms. Rosy Dsouza
Contact: 022-42117799
Email Id: care@incred.com

In case the complaint is not resolved within a period of five days or if the customer is not satisfied with the solution provided by Ms. Rosy Dsouza, then the customer may approach to the 2nd level of escalation as per the details mentioned below:

Name: Mr. Kiran Gawand
Contact: 022-42117799
Email Id: West.Nodal@incred.com

In case the complaint is not resolved within a period of five days or if the customer is not satisfied with the solution provided by Mr. Kiran Gawand then the customer may approach the Grievance Redressal Officer. The name and contact details of the Grievance Redressal Officer is as follows:

Grievance Redressal Officer Name: Mr. Vaidyanathan Ramamoorthy

E-mail ID: incred.grievance@incred.com
ETelephone no.: 022-42117799
Address: Incred Financial Services Limited, 1203, 12th Floor, B Wing, The Capital, Bandra Kurla Complex, Mumbai - 400 051

If the complaint/dispute is not redressed within a period of fifteen days, the customer may appeal to Officer-in-Charge of the Regional Office of Department of Non-Banking Supervision of RBI under whose jurisdiction the Registered Office of the IFSL falls. The details of DNBS is as given below.

5. Escalation to the Reserve Bank of India

If the complaint/dispute is not redressed within a period of thirty days, the customer may appeal to Officer-in-Charge of the Regional Office of Department of Non-Banking Supervision at the following address:

The General Manager,

Department of Supervision,

Mumbai Regional Office,

Reserve Bank of India, 3rd floor, Byculla Office Building,

Opp. Mumbai Central Station

Mumbai- 400008

E-mail: dnbs@rbi.org.in

Contact No.: +91 (22) 23084121