Policies & Disclosures

Invest Gold & General Finance is a non-banking financial company registered with the Reserve Bank of India. That registration carries obligations — about how we price a loan, how we treat a pledged ornament, what we tell you before you sign, and how quickly we must answer a complaint. The policies on this page are how we meet them.

Each one is approved by our Board and reviewed periodically against current RBI directions. Where a policy changes, the revised document replaces the old one here and at every branch.

What our policies cover

• Fair Practice Code — how we advertise, appraise, sanction and recover, in plain language: the application process, the terms we disclose up front, and the conduct expected of every branch.
• Grievance Redressal — a defined path for complaints, from the branch to our Nodal Officer, and on to the RBI Ombudsman if you are not satisfied within 30 days.
• KYC & Anti-Money Laundering — the identity and address documents we are required to collect, how long we retain them, and the safeguards applied to customer records under the PML Act.
• Interest Rate Policy — the factors that set the rate on your loan, including tenure, loan-to-value, repayment record and cost of funds, along with our approach to penal charges and rate revisions.
• Auction of Pledged Gold — the notice period, publication and reserve-price rules we follow before any ornament is auctioned, and how surplus proceeds are returned to the borrower.
• Privacy & Data Protection — what personal data we collect, why we hold it, who we may share it with, and your rights to access or correct your records.

What you can expect from us

These commitments apply at every branch, on every product, regardless of loan size.

• Written terms before disbursal, with all charges stated up front and nothing added later.
• Your pledged gold stored in insured, tamper-evident packaging and returned in the same condition.
• Clear advance notice before any auction, with the reserve price and date published.
• An acknowledged complaint reference and a named person responsible for closing it.
• No canvassing, no coercive recovery practice, and no contact outside reasonable hours.