InstantRupiya
Corporate Governance Policy
Corporate governance philosophy, board oversight, risk management, and regulatory compliance standards for Aarsh Fincon Limited (InstantRupiya).
A clearer way forward
Corporate Governance Policy
Aarsh Fincon Limited
InstantRupiya
B-10.00119
Operative (September 2024)
Legal & Regulatory Center
Overview & Corporate Philosophy
At InstantRupiya (operating under the corporate umbrella of Aarsh Fincon Limited, an RBI-registered Non-Banking Financial Company, Registration No. B-10.00119), we adhere to the highest standards of corporate governance, business ethics, and institutional accountability.
Our governance structure is aligned with the Companies Act, 2013, Reserve Bank of India (RBI) NBFC Master Directions, and corporate best practices.
Core Governance Principles
Integrity & Ethics
Uncompromising honesty and ethical compliance across all operations.
Accountability
Transparent allocation of responsibility and institutional reporting.
Stakeholder Fairness
Equitable treatment of customers, employees, lenders, and regulators.
Prudent Risk Governance
Robust risk assessment and management of credit/operational exposure.
Board Oversight
The Board of Directors provides strategic leadership, ensures regulatory compliance, approves statutory policies, and reviews quarterly risk and financial health reports.
Board Committees
Enterprise Risk Management (ERM)
The company maintains an integrated ERM framework to identify, assess, monitor, and mitigate Credit Risk, Operational Risk, Market Risk, Liquidity Risk, Information Security Risk, and Compliance Risk.
Internal Controls & Audit
Independent internal and statutory audits are conducted periodically. Findings and corrective action reports are submitted directly to the Audit Committee.
Vigil / Whistleblower Mechanism
A confidential reporting channel exists for employees and stakeholders to report suspected fraud, misconduct, or regulatory non-compliance without fear of retaliation.
Transparency & Regulatory Reporting
We ensure accurate and timely disclosures across all statutory filings with the Ministry of Corporate Affairs (MCA) and the Reserve Bank of India (RBI).
Official Policy Document • InstantRupiya (Aarsh Fincon Limited)
Effective Date: September 2024
TAKE A CLOSER LOOK
The details that matter.
Start with what you actually need
Include the expense you are planning for without borrowing more than necessary. Compare the resulting monthly estimate against the room in your budget.
BORROW WITH PERSPECTIVE
Small checks. Better decisions.
Know the full cost
Look beyond the EMI. Consider interest, processing fees and the total amount repayable over the loan tenure.
Read before accepting
Check the repayment schedule and conditions in your agreement. Keep a copy of the documents for your records.
Keep your details safe
Use verified lender channels. Never share an OTP, password or payment PIN with another person.
GOOD QUESTIONS. CLEARER ANSWERS.
A little more clarity.
The details worth knowing before your next step.
Does applying guarantee a loan?
No. A lender reviews your application, documents and eligibility. Check the offered rate, fees and repayment schedule carefully before accepting a loan.
What documents might be requested?
You may be asked for identity, address and income information. The exact requirements are shown during the application; submit documents only through verified channels.
How do I compare loan offers?
Compare the total repayment, annualised cost, processing charges and any late or early repayment conditions—not just the monthly EMI.
Where do I start my application?
Use any Apply Now button to continue to the InstantRupiya loan portal. Review the information and policies shown there before submitting your application.