As an RBI-approved NBFC operating since 1994, Western Fintrade publishes the policies that govern how we lend, how we treat customers, and how we hold ourselves to account.
Each policy has been adopted by the Board of Directors of Western Fintrade Private Limited and is reviewed annually (or sooner if regulation changes).
Fair, transparent, ethical lending — applications, sanction, disbursement, recovery and grievance redressal, aligned to RBI directions for NBFCs.
Read full policy GovernanceStandards of ethics, integrity, conflict-of-interest management and fair dealing for the Board, senior management and employees.
Read full policy Social ImpactOur framework for financial inclusion, education, skill development and community welfare — under Section 135 of the Companies Act, 2013.
Read full policy Information SecurityGovernance, security and acceptable use of IT systems, data, networks and devices — covering access control, cyber-security and incident response.
Read full policy StatutoryIdentification, approval, review and disclosure of transactions with related parties — Companies Act, 2013 compliant.
Read full policyWrite to compliance@westernfintrade.com or call +91 96069 19599. Details below.
Jump to grievance sectionWestern Fintrade Private Limited is a Non-Banking Financial Company registered with the Reserve Bank of India under Registration Number B010039, operating since 1994. All lending activity is undertaken in accordance with the applicable regulations, directions and Master Directions issued by the RBI from time to time. The certificate of registration and other statutory information are available on request and in our regulatory filings.
Our Fair Practices Code (“FPC”) governs every step of the lending lifecycle — from how we accept loan applications to how we communicate sanction terms, disburse funds, service the account, and conduct recovery. It is aligned to the RBI's Fair Practices framework for NBFCs and reviewed annually by the Board.
If you have a concern relating to our products or services, please write to our Grievance Redressal Officer. We will acknowledge and respond as per our internal grievance redressal policy and the timelines specified by the RBI for NBFCs (typically within 30 days). If you are not satisfied with the resolution, you may escalate to the Reserve Bank of India's Integrated Ombudsman Scheme.
We handle personal and financial information collected from customers in line with applicable data protection norms, including the Digital Personal Data Protection Act, 2023. Information is used only for the purpose for which it was collected — primarily credit assessment, servicing and statutory compliance. We do not sell customer data.
Use of this website and our services is subject to our Terms and Conditions. All credit decisions are at the sole discretion of Western Fintrade Private Limited and subject to internal policy, KYC, eligibility checks and applicable RBI guidelines. Loans are not guaranteed and approval is not automatic. The detailed Terms document is available on request.
Western Fintrade is committed to lending responsibly. We extend credit that we believe a borrower can reasonably service, communicate terms transparently, and offer a defined process for raising concerns. We do not make claims of “guaranteed approval”, “instant approval for everyone” or “lowest interest rates” — every loan decision reflects credit policy, eligibility and applicable regulation.
All five board-approved policies above are available as full pages. For a printable copy or other regulatory disclosures, please reach out to our compliance team.
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