Policies & Charters
Board-approved statutory policies, codes of conduct, and charter documents adopted by Coffers Finvest Limited in accordance with SEBI (LODR) Regulations, SEBI (PIT) Regulations, Companies Act, 2013, and RBI NBFC Directions.
Memorandum of Association (MOA)
Fundamental constitutional charter defining the company's constitution, authorized capital structure, registered office, and permitted NBFC corporate objects.
Articles of Association (AOA)
Internal management regulations, governance bylaws, rights and votes of shareholders, Board proceedings, and statutory compliance protocols.
Code of Conduct for Board & Senior Management
Ethical benchmarks, fiduciary duties, conflict of interest standards, and professional integrity expected of all Directors and Key Managerial Personnel.
Code of Conduct for Trading by Designated Persons
Statutory mechanism to regulate, monitor, and report securities dealings by designated persons, connected entities, and their immediate relatives.
Code of Fair Disclosure of UPSI
Framework for prompt, universal, and non-discriminatory public dissemination of unpublished price sensitive information (UPSI) and handling legitimate purposes.
Nomination & Remuneration Policy
Criteria for determining qualifications, positive attributes, and independence of directors, as well as balanced remuneration for directors, KMPs, and senior staff.
Policy on Related Party Transactions
Comprehensive guidelines governing identification, review thresholds, omnibus approvals, and disclosure of transactions entered into with related entities.
Vigil Mechanism & Whistle Blower Policy
Confidential reporting channel for directors and employees to report genuine concerns, financial irregularities, fraud, or violations with whistleblower immunity.
Risk Management Policy
Enterprise risk framework identifying, evaluating, and mitigating credit, market, liquidity, interest rate, operational, and cybersecurity risks across operations.
Credit Policy & Underwriting Norms
Underwriting standards, borrower credit evaluation, sanctioning authorities, collateral assessment, disbursement protocols, and non-performing asset (NPA) controls.
Interest Rate Model & Fair Practices Policy
Transparent methodology for computing lending benchmark rates, risk-based borrower gradation, annual percentage rates (APR), and upfront fee disclosures.
Investment Policy
Board-approved criteria for deployment of surplus funds, liquid investments, fixed income allocations, and capital conservation within prudential limits.
KYC & Anti-Money Laundering Policy
Customer identification procedures, beneficial ownership verification, ongoing customer due diligence, and suspicious transaction reporting (STR).
Customer & Investor Grievance Redressal Policy
Multi-tiered grievance resolution mechanism ensuring prompt and fair settlement of customer complaints and shareholder queries within defined turnaround times.
Policy for Determination of Materiality of Events
Quantitative and qualitative criteria for identifying and promptly disclosing material events and price-sensitive information to the Bombay Stock Exchange.
Policy for Preservation of Documents & Archival
Classification of statutory documents into permanent records and 8-year archival retention, along with a 5-year public website hosting protocol.
Policy on Prevention of Sexual Harassment (POSH)
Zero-tolerance policy against sexual harassment at the workplace, establishment of Internal Complaints Committee (ICC), inquiry timelines, and redressal.
Terms & Conditions for Independent Directors
Formal terms of appointment, role and responsibilities, code of conduct, committee memberships, sitting fees, and annual performance evaluation.
Policy for Determination of Material Subsidiary
Clear metrics to determine materiality of subsidiaries based on income or net worth exceeding statutory thresholds and governing corporate oversight.
Materiality Policy for Creditors & Litigations
Criteria for identifying material creditors, group companies, and material civil, tax, or regulatory litigations for statutory filings and offer disclosures.
Contact Details of Authorized KMPs
Statutory contact details of Key Managerial Personnel authorized by the Board to determine materiality of events and make prompt stock exchange disclosures.