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In the Financial Services business, we are keen to promote a culture of openness and fair dealing. One of the important values which we wish to promote and practice is Integrity. We, therefore, need to provide avenues for employees and outsiders to report any issues of non-compliance to standards of high integrity. One such mechanism is Whistle Blowing.

In this regard, we have formulated a Vigil Mechanism Policy, under which the "Whistle Blower Investigation Committee ("the Committee") has been set up. The objective of the said policy is to establish a redressal forum, which can address all concerns raised on questionable practices, which violate the principles of integrity. The Chairman of the Committee is the Chief Ethics Officer of the Company responsible for receiving, validating, investigating and reporting to the Audit Committee of this matter. The Chief Internal Auditor of L&T Financial Services, Mr. Venkatesh Iyer will act as `Chief Ethics Officer`.

The Committee shall take necessary actions of maintaining confidentiality within the organization on matters brought to its attention. The outcome of the investigation will be kept strictly confidential.

The Management would like to assure all employees that they will be protected from unfair termination, threat of termination, disciplinary action, transfer, demotion, refusal of promotion or any other unfair prejudicial employment practices, which the Whistle Blower may face from any quarters within the Company due to the act of whistle blowing/exercising vigilance.

Employees can get in touch with the Chief Ethics Officer either through email or post at the following address:

Reporting Channel Contact Information Availability
Email id 24 hours
Post L&T Finance Holdings Limited PO Box No.9757 Vidyanagari Marg, Mumbai 400 098 24 hours

Registered office: Technopolis, 7th Floor, A Wing, Plot - 4, Block-BP, Sec- V, Salt Lake, Kolkata -700091

NOTICE

It is hereby informed that in compliance with the RBI Circular No.DNBS.CC.PD.NO.320 / 03.10.01 / 2012-13 dated February 18, 2013; the Company has appointed Mr. Abhijit Das as the Grievance Redressal Officer with effect from March 14, 2013.

Mr. Abhijit Das has shifted to some other function, hence Mr. Raman G. Pattabi is being appointed as the new Grievance Redressal Officer with effect from April 17, 2014.

Customers can direct their grievances to the following contact details:

Mr. Raman G. Pattabi
Address: L&T Finance, KGN Towers, 05th floor, No.62 Ethiraj Salai, (Commander-In-Chief Road), Egmore, Chennai – 600 105

Tel No: 044-66881107
Mob No: 09789058538  
Email id: gro@ltfinance.com

(GRO office is available on call on all working days i.e. Monday - Saturday, 9:00AM to 7:00PM only)

If the complaint / dispute is not redressed within a period of one month, the customer may appeal to 'the Officer-in-Charge of the Regional Office of Department of Non-Banking Supervision (DNBS) of Reserve Bank of India (RBI).

Address for the Regional Office of DNBS of RBI -

Department of Non-Banking Supervision
Kolkata Regional Office,
15, Netaji Subhas Road,
Kolkata-700001.

The aforesaid information alongwith detailed Fair Practices Code is also available on website of the Company www.familycreditindia.com.

Please take note of the same.

By Order of the Board of Directors

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