Do’s & Don’ts
Follow the Do’s, Skip the Don’ts
For Customers
Do:
• Inform us of contact changes.
• Maintain sufficient EMI account balance.
• Pay EMIs on time always.
• Read all loan terms carefully.
• Provide accurate and complete details.
• Submit all required KYC documents.
• Clarify doubts before signing documents.
• Track loan status through RM.
• Contact only assigned relationship manager.
• Pay in only company banking channels.
Don't:
• Share OTP or banking details.
• Rely only on verbal promises.
• Ignore reminders from Umang Finance.
• Delay EMIs without prior notice.
• Assume loan terms can change.
• Sign blank papers or cheques.
• Submit fake or altered documents.
• Share loan details with strangers.
• Borrow more than repayment capacity.
For Employee
Do:
• Follow up until loan disbursement.
• Report suspicious activities immediately.
• Maintain professionalism in all dealings.
• Keep customer information confidential always.
• Explain loan terms to customers.
• Verify all documents before submission.
• Use only official company forms.
• Educate customers on repayment discipline.
Don't:
• Alter or forge customer documents.
• Submit incomplete loan applications.
• Promise fast disbursement without approval.
• Promise loan without verification.
• Mislead customers on loan charges.
• Collect EMI cash from customers.
• Share information with unauthorized persons.
• Ignore KYC compliance guidelines.
• Harm Umang Finance’s reputation.