Corporate Governance Policy
Framework for transparency, accountability, ethical conduct, regulatory compliance, and responsible decision-making across Phoenix Capital India
PHOENIX CAPITAL INDIAPRIVATE LIMITED
PHOENIX CAPITAL INDIAPRIVATE LIMITED
GOVERNANCE / POLICIES
Access available policy documents in a transparent, customer-friendly format. Read the approved policy online in a clear, searchable text format.
POLICY LIBRARY
Policies are maintained subject to applicable law, RBI directions, Board approvals and internal review. Only final, approved and effective versions should be published.
Framework for transparency, accountability, ethical conduct, regulatory compliance, and responsible decision-making across Phoenix Capital India
A comprehensive framework for customer identification, due diligence, risk assessment, transaction monitoring, and prevention of money laundering and financial crimes.
A framework ensuring fair, transparent, ethical, and responsible customer practices throughout the lending and servicing lifecycle.
A framework for secure IT operations, data protection, cybersecurity, access management, system reliability, and responsible use of technology resources.
Framework governing the Company’s investment objectives, permitted investments, risk parameters, approval processes, exposure limits, monitoring, and regulatory compliance.
Framework for transparent and consistent determination of lending interest rates based on cost, risk, product characteristics, market conditions, and regulatory requirements.
Framework for managing cash, liquidity, banking operations, cash flows, authorization controls, reconciliation, and reporting while minimizing financial and operational risks.
Framework for business resilience, contingency planning, disaster recovery, crisis management, and restoration of critical operations during disruptive events.
Framework for managing assets and liabilities, liquidity risk, interest rate risk, maturity mismatches, funding requirements, and balance sheet exposures.
Framework for identifying, assessing, monitoring, controlling, and mitigating financial, operational, compliance, technology, and other business risks.
Framework for independent and objective auditing of operations, financial processes, internal controls, risk management, compliance, and corrective actions.
Framework for risk-based audit planning, assessment, execution, reporting, follow-up, and corrective actions, with focus on high-risk business and control areas.
Framework for fair, transparent, and responsible recovery of outstanding dues and repossession of financed assets in accordance with applicable laws and regulatory requirements.
Framework for receiving, handling, resolving, and escalating customer complaints and grievances, including access to the applicable Ombudsman mechanism.
Framework governing income recognition, asset quality assessment, NPA identification, asset classification, and provisioning to ensure accurate reporting and prudent credit risk management.
Framework for identifying, evaluating, approving, accounting for, and monitoring eligible loan and receivable write-offs in accordance with regulatory and accounting requirements.
Framework for planning, implementing, monitoring, and reporting responsible CSR initiatives that create meaningful and sustainable social impact.
Framework for preventing, reporting, investigating, and addressing sexual harassment while ensuring a safe, respectful, inclusive, and professional workplace.
Framework governing recruitment, onboarding, employee conduct, performance, training, attendance, workplace discipline, development, and staff separation.
Framework for setting, monitoring, and controlling exposure limits and concentration risks across borrowers, groups, counterparties, sectors, and other specified categories.
Framework for fair, transparent, and consistent application, calculation, communication, and collection of penal charges on loan accounts in accordance with applicable requirements.
Framework for assessing the integrity, competence, qualifications, experience, and suitability of Board members, including due diligence and ongoing monitoring requirements.
Framework for the prudent approval, sanction, monitoring, disclosure, and regulatory compliance of loans and advances to Directors, Senior Officers, and connected persons.
Framework governing the eligibility, approval, documentation, customer communication, and financial adjustments associated with cancellation of loan applications or facilities.
Framework governing the collection, use, processing, storage, protection, and disclosure of personal and financial information while maintaining privacy and data security.
Framework for processing eligible refunds, reversals, and adjustments through appropriate verification, approval, documentation, and timely customer communication.
Framework outlining eligibility, loan terms, interest and charges, repayment obligations, security, disbursement, default, recovery, prepayment, and other applicable loan conditions.
Framework for fraud risk identification, prevention, detection, investigation, reporting, escalation, and mitigation across the Company’s operations.
Framework governing remuneration, compensation, incentives, benefits, performance evaluation, approvals, and periodic review for KMP and senior management personnel.