OBJECTIVETo provide a clear and transparent process for resolving grievances and ensure that all customer complaints are addressed promptly, fairly, and effectively.

SCOPEThis policy applies to all users availing KarmaLife's services, including Earned Wage Access (EWA), Personal Loans, and related financial products.

Grievance Redressal MechanismThe policy is founded on the following principles:

1. Ensuring a trust and customer first approach while resolving any customer complaints
2. Addressing customer complaints with courtesy and promptness.
3. Informing customers about available avenues to escalate complaints within the organization and their rights if dissatisfied with complaint resolution.

Customers can raise a complaint to the Grievance Officer on the given details, through an email or dial on the number provided

General Guidelines

• Complaints raised on the number provided will receive a call back for issue assistance within 24 hours.
• Updates on grievance status will be provided at each stage.
• Complaints should include:
  • Full Name
  • Contact Details
  • Loan/Account ID
  • Detailed Description of the Issue

If the complaint remains unresolved after following the outlined escalation process, it may be further escalated to the Nodal Officer of the respective Registered Entity (RE) that issued the loan, as per applicable regulatory guidelines.

TrillionLoans Fintech Pvt Limited :Ms. Punam Priyadarsini Das,
Grievance Redressal Officer
Email- grievances@trillionloans.com
Phone No- +91 8851682895 from 09:30 am to 7:00pm on all working days (Mon to Fri)
Address- Unit No. DPT-324, 3rd Floor, DLF Prime Towers,
Plot No. F-79-80, Okhla Industrial Area, Phase -I, New Delhi - 110020, India

Avanti Finance Pvt Limited:Edwin Samuel,
Grievance Redressal Officer
Email: edwin.samuel@avantifinance.in
Phone number : +91-9880365147
Address - 2727, 2nd Floor, 1st Main Road,
&, 80 Feet Rd, beside Sapna Book House, opp. to Chakum Chukum,
HAL 3rd Stage, New Tippasandra, Bengaluru, Karnataka 560075

Luharia Technologies Pvt Ltd (AnyTimeLoan):Pankaj Jain,
Grievance Redressal Officer
Email ID: grievance@Kuber.club
Telephone: +91- 8328598969
Address: Trendz Hub 1st Floor, 401 Vittal Rao nagar road,
Hitech city Gafoornagar Madhapur Hyderabad Telangana 500081, India.

Niyogin Fintech Ltd :Noorallah Charania,
Grievance Redressal Officer/ Nodal Officer
Email Id: noorallah.charania@niyogin.in
Phone Number: 18002660266
Address: Neelkanth Corporate IT Park, 311/312, 3rd Floor Kirol Road, Vidyavihar (W), Mumbai - 400086

Lord Fincap Ltd:Ashish Gupta,
Grievance Redressal officer
Email: info@lordfincap.com
Phone: +91 - 9911911112
Address: Upper Ground Floor, HS-33, Kailash Colony Market, New Delhi - 110048, Delhi

Transactree Technologies Pvt Ltd (Lendbox):Tamanna Mehta,
Grievance Redressal Officer
Email: grievances@lendbox.in
Phone : +91-9311393600
Address: L-92, second floor, above punjab woolen co Khasra NO 800, New Delhi - 110 067

Small Industries Development Bank of India (SIDBI) :Shri. Vibhor Swarrop,
Grievance Redressal Officer
Email: cgo@sidbi.in
Phone : 0522- 4259722
Address: SIDBI Tower 15, Ashok Marg, Lucknow, Uttar Pradesh 226001

Apollo Finvest (India) Ltd. :Prachi Jain,
Grievance Redressal Officer
Email: grievanceredressal@apollofinvest.com
Phone : 022-62231667/68
Address: 3rd Floor, Commerce Centre, plot no. B-27, Andheri Link Road, Veera Desai, Andheri West, Mumbai - 400053

GetGrowth Capital Private Limited :Mr. Praneet Moraes,
Grievance Redressal Officer
Email: care@getgrowthcapital.co
Phone : +91 86558 61972
Grievance Redressal link: https://getgrowthcapital.co/grievance
Correspondence Address: GetGrowth Capital Private Limited, 27th Floor, Sunshine Tower, Senapati Bagat Marg, Lower Parel, Mumbai – 400 013
Registered Address: GetGrowth Capital Private Limited, 116, 1 st Floor, Bussa Udyog Bhavan, Tokershi Jivraj Marg, Sewree, Mumbai – 400 015

Bhawana Capital Private Limited :Mr. Manoj Aggarwal,
Grievance Redressal Officer
Email: manoj@bhawanafinance.com
Phone : 0124-6687879
Address: Customer Care Department Level 18, One Horizon Centre, DLF5, Gurgaon-122002, India