Grievance Redressal Mechanism Para 45, RBI (NBFC–SBR) Directions, 2023 Delhi HC W.P.(C) 16659/2022 Compliant
Customer Has a grievance or complaint regarding KFFPL's services
1
Lodge your complaint
Any of the four channels below
🏢
Branch Office Visit nearest branch, submit written complaint, get acknowledgement
📞
Helpline 9962200232
Mon–Sat, business hours
📬
Post / Walk-in Registered Office, Adambakkam, Chennai – 600088
Acknowledged: within 1 working day  ·  Ticket reference number assigned Resolution target: 30 calendar days Note: Please quote your Loan Account / Application Number
Resolved
within 30 days?
YES
✓ Complaint closed
NO / Not satisfied
Escalate to Step 2 ↓
2
Grievance Redressal Officer (GRO)
Escalate if unresolved or unsatisfied with Step 1 response
Mrs. Cuckoo Elsa Philip
Grievance Redressal Officer, KFFPL
Responds within 30 calendar days
Priority handling for persons with disabilities
Anonymous complaints not entertained
GRO reviews, investigates, and provides a formal resolution · Communicates delay reasons if any · Maintains complaint records
Satisfied with
GRO response?
YES
✓ Complaint closed
NO / Not satisfied
Escalate within 30 days ↓
3
Principal Nodal Officer
Escalate within 30 calendar days of receiving GRO response
Ms. Annie Eapen
Principal Nodal Officer / KYC & Compliance Officer, KFFPL
Responds within 1 working day
Final KFFPL-level resolution
Liaises with RBI Ombudsman if needed
Oversees entire GRM · Ensures regulatory compliance · Represents KFFPL before RBI Ombudsman under RBI-IOS, 2021
Satisfied with
Nodal response?
YES
✓ Complaint closed
NO / No response in 30 days
Escalate to RBI ↓
4
Escalate to Reserve Bank of India
If no resolution within 30 days at any KFFPL level · RBI-IOS, 2021 applies
🌐
CMS Portal cms.rbi.org.in
Available 24×7
📨
Email / Post crpc@rbi.org.in
CRPC, Sector-17, Chandigarh – 160017
📟
RBI Helpline 14448 (Toll-free)
9:30 AM – 5:15 PM
You may also approach a Court, Tribunal, or Arbitrator independently at any stage.

Complaint considered closed when any of the following apply

KFFPL fully accedes to request
Customer accepts resolution in writing
Customer withdraws complaint in writing
30-day RBI Ombudsman appeal window lapses without appeal

This document is issued pursuant to Para 45, RBI (NBFC–SBR) Directions, 2023 and in compliance with the directions of the Hon'ble High Court of Delhi in W.P.(C) 16659/2022.