Resources & Statutory Policies
Review mandatory RBI codes and policies, read on-page summaries of terms, access borrower awareness guides, and download official application forms.
Client Awareness Guides
Plain-language guides to ensure complete clarity over borrower rights, escalation paths, and asset classification.
RBI Integrated Ombudsman Scheme
Understanding what the Ombudsman scheme covers and how to file an escalation if Rajouri does not resolve your grievance within the stated 30-day timeline.
Read Ombudsman Guide →Grievance Redressal Flowchart
The step-by-step path from raising a complaint with our branch, to escalation to our Grievance Redressal Officer, to external escalation with RBI.
View Flowchart →Understanding NPA Rules
Clear explanation of what happens to your loan account if repayments are missed, day-end SMA tracking, and the notice period before any action is initiated.
Read NPA Rules →Codes & Statutory Policies
Downloadable statutory policies approved by the Board of Directors in compliance with RBI directions.
Most Important Terms & Conditions (MITC)
“Our Most Important Terms & Conditions document sets out, in one place, how your Loan Against Property is priced, what happens if your rate changes, your repayment obligations, and what happens in case of default — before you sign anything. Download the full MITC below.”
Privacy & Data Governance Policy
“We collect only the information needed to assess and service your loan, we store it securely on servers located in India, and we do not sell your data. You can read exactly what we collect, why, and for how long, in the full policy below.”
Fair Practice Code (FPC)
Rajouri’s board-approved commitments on transparent pricing, non-coercive recovery, written sanction terms, and responsible lending, as mandated by the Reserve Bank of India.
Download FPC Document (PDF) ↓Interest Rate Model & Pricing Policy
How interest rates are determined for each product, including the internal cost of funds benchmark, risk premium components, and variation across borrower documentation tiers.
Download Interest Rate Model (PDF) ↓Downloads & Borrower Forms
Standardized printable forms and operational checklists for applicants and existing borrowers.
Loan Application Forms
Product-specific physical application forms for Business Loans, LAP, and Gold Loans.
Download Form (PDF) ↓KYC Checklist
Comprehensive list of accepted identity, address, entity registration, and income proof documents.
Download Checklist (PDF) ↓Official Rate Card
Current interest rate bands, processing fees, penal default rates, and turnaround times by product.
Download Rate Card (PDF) ↓NACH Cancellation Form
Mandate cancellation request form for stopping auto-debit / NACH banking instructions.
Download Mandate Form (PDF) ↓