MoneyJenie is committed to following the Fair Practices Code (FPC) as guided by the Reserve Bank of India (RBI). These guidelines ensure transparency, responsible lending, ethical conduct, and fair treatment of all customers applying for Personal Loans, Insta Loans, or Salary Loans. Our aim is to provide equal and unbiased access to credit without discrimination of any kind.
This Fair Practices Code outlines the standards, systems, and procedures that MoneyJenie follows to maintain professionalism, protect customer interests, and ensure clarity in all loan-related processes.
All communication with loan applicants will be shared in a clear and understandable language.
The loan application form contains all essential details required to make an informed decision, including fees, charges, and eligibility parameters.
Applicants will be informed about the documents required for loan processing. Upon receiving the application, an acknowledgement will be provided along with the estimated timeline for approval.
Once the application is approved, MoneyJenie will issue a sanction letter outlining the loan amount, interest rate, tenure, fees, and repayment terms.
A copy of the loan agreement, along with all referenced documents, will be provided to the customer at the time of disbursement.
Any change in loan terms such as revised interest rate, charges, or repayment schedule will be communicated to the customer in advance.
Loan recall or acceleration will always follow the terms stated in the loan agreement.
All securities will be released once the customer has fully repaid the outstanding dues, subject to any legal rights of set-off which will be communicated clearly.
The interest rate for loans is determined using internal pricing models based on cost of funds, risk assessment, and market conditions.
The rate of interest, risk grading, and rationale will be clearly disclosed in the loan application and sanction letter.
Current interest rates will be available on the official website of MoneyJenie and updated whenever changes occur.
All interest rates are presented as annualized rates for complete transparency.
MoneyJenie has established a structured grievance redressal mechanism to ensure timely resolution of customer concerns related to loan services.
Customers can contact our support team using the details below:
Phone: +91-9217335206
Email: info@moneyjenie.com
If unresolved, customers may escalate the matter to the Grievance Redressal Officer:
Name: Manish Gupta
Address: B-6 Om Vihar Ram Nagar Uttam Nagar West pillar no. 710 New Delhi -
110059.
Phone: +91-9217335201
Email: info@moneyjenie.com
We strive to provide a final response within 30 days of receiving a complaint.
If the customer is still dissatisfied, they may approach the RBI Ombudsman as per RBI guidelines.
MoneyJenie will not interfere in customer affairs except when required for loan monitoring or safety of our products.
Requests for loan transfer will be responded to within 21 days as per the loan agreement.
We ensure respectful recovery practices and do not resort to harassment or unethical methods.
No foreclosure or prepayment penalties will be charged for floating-rate personal loans, as applicable under RBI guidelines.
In situations beyond the control of the Company (natural disasters, system failures, etc.), some obligations under the FPC may be affected temporarily.
MoneyJenie regularly trains its employees to ensure consistent implementation of the Fair Practices Code and maintains transparency in all financial dealings.
This Fair Practices Code will be reviewed periodically and updated as per RBI guidelines.
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