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This Code has been formulated by Pinnacle Capital Solutions Private Limited (“PinCap”) pursuant to the Guidelines issued by the Reserve Bank of India (“RBI”) on Fair Practice Code for Non Banking Finance Companies vide its circular bearing No. RBI / 2006-07 /138 - DNBS (PD) CC No. 80 / 03.10.042 / 2005-06 dated September 28, 2006.

This Code has come into force from January 2007 which has been modified pursuant to the Guidelines issued by the RBI on Fair Practice Code for Non Banking Finance Companies vide its circular bearing No. RBI/2011-12/470 – DNBS CC PD. No. 266/03.10.01/2011-12 dated March 26, 2012

And thereafter vide its latest circular bearing No. RBI/2012-13/416 – DNBS CC PD No. 320/03 .10.01/2012-13 dated February 18, 2013 and thereafter vide its latest circular bearing No. RBI/2015-16/16 - DNBR (PD) CC.No.054/03.10.119/2015-16 dated July 01, 2015.

It is, and shall be, policy of PinCap to make all its financial products available to all eligible qualified applicants, without discrimination on the basis of race, caste, color, religion, sex, marital status, age or handicap. PinCap’s policy is to treat all the customers fairly. PinCap will also communicate its Fair Practice Code (Fair Practice Code) to its customers by making the Fair Practice Code available to everybody on its website and displaying the Fair Practice Code at all its branches.

A copy of the said Fair Practice Code would be made available on request and would be provided in respective regional language prevalent in the particular state in which PinCap operates in on request.

PinCap will ensure that the implementation of the Fair Practice Code is the responsibility of the entire organization. PinCap’s fair lending practices shall apply across all aspects of its operations including marketing, loan origination, processing, and servicing and collection activities.

PinCap’s Board of Directors and the management team are responsible for implementing the fair practice hereinafter detailed, and also ensure that its practices reflect its strong commitment to all the stakeholders for offering in a fair and equitable manner, the various financial services and products and that all employees are aware of this commitment.



The key commitments which PinCap promises to follow in its dealings with its customers are:

To act fairly and reasonably in all dealings with its customers by ensuring that:

  • Its products, services, procedures and practices will meet the commitments and standards in this Fair Practice Code
  • Its dealings with its customers will rest on its ethical principles of honesty, integrity and transparency.
  • Its products and services will meet relevant laws and regulations as applicable.

To assist its customers in understanding how its financial products and services work by:

  • Providing information about them in a language and manner as understood by them;
  • Explaining their financial implications

To ensure its customers have a trouble-free experience in dealing with it and in case of any errors of commission or omission, PinCap would deal with the same quickly and sympathetically

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