Risk Management Policy (RBI-Compliant)

Objective The Risk Management Policy aims to identify, assess, monitor, and mitigate risks associated with the Company’s business in accordance with RBI guidelines.

Types of Risks

• Credit Risk
• Operational Risk
• Liquidity Risk
• Compliance & Regulatory Risk
• Information Technology Risk

Risk Management Framework

• Robust credit appraisal and monitoring systems.
• Periodic review of loan portfolio and risk exposure.
• Adequate internal controls and audit mechanisms.
• Compliance monitoring with RBI directions.

Policy Review

This policy shall be reviewed periodically by the Board to ensure effectiveness and regulatory compliance.