Pratyancha Financial Services Limited (PFSL) is committed to upholding the Core Values of Microfinance as laid out in the Industry Code of Conduct.

Integrity:
To provide low-income clients - women and men - and their families, with access to financial services that are client focused and designed to enhance their well-being, and are delivered in a manner that is ethical, dignified, transparent, equitable and cost effective.

Quality of Service:
To ensure quality services to clients, appropriate to their needs, and delivered efficiently in a convenient and timely manner. To maintain high standards of professionalism based on honesty, non-discrimination and customer centricity.

Transparency:
To provide complete and accurate information to clients regarding all products and services offered. To create awareness and enable clients and all other stakeholders to understand the information provided with respect to financial services offered and availed.

Fair Practices:
To ensure that clients are protected against fraud and misrepresentation, deception or unethical practices. To ensure that all practices related to lending and recovery of loans are fair and maintain respect for client’s dignity and with an understanding of client’s vulnerable situation.

Privacy of Client Information:
To safeguard personal information of clients, allowing disclosures and exchange of relevant information with authorized personnel only, and with the knowledge and consent of clients.

Integrating Social Values into Operations:
To ensure high standards of governance and management. To monitor and report social as well as financial data.

Feedback and Grievance Mechanism:
To provide clients formal and informal channels for feedback and suggestions. To consistently assess the impact of services in order to enhance competencies and serve clients better. To provide a formal grievance redressal mechanism for clients. (from the MFI Industry Code of Conduct)

In addition, Pratyancha Financial Services Limited (PFSL) is committed to:
Non-discrimination policy: PFSL will not discriminate among employees or clients on the basis of caste, creed, region, language, race or sex. Provide clients the loan they need without over-burdening them with debt Promote and strengthen the Microfinance movement in the country by bringing low-income clients to the mainstream financial sector. Build progressive, sustainable, and client-centric systems and practices to provide a range of financial services (consistent with regulation) to clients. Promote cooperation and coordination among themselves and other agencies in order to achieve higher