RBI-registered non-deposit-taking NBFC · Certificate of Registration B-06.00059
Regulatory & disclosures
Policies, codes and statutory documents, indexed by category with the regulation each one answers to. A document not yet published is listed as awaiting upload rather than quietly omitted.
10 of 23 documents are published. The rest are listed so that what is outstanding is visible rather than absent.
Showing 23
How Basel deals with borrowers at every stage: application, appraisal, sanction, disbursal, servicing, recovery and closure. It also sets out the standards a borrower is entitled to hold us to.
Basis: RBI Master Direction - Non-Banking Financial Company Scale Based Regulation, 2023
The rate of interest applied to each product, the approach to gradation of risk, processing fees, taxes, penal charges and the ceiling on the contractual rate.
Basis: RBI Master Direction - Scale Based Regulation, 2023; RBI circular on Fair Lending Practice - Penal Charges
The three internal levels of escalation, the officers responsible at each, resolution timeframes, and the route to the Reserve Bank of India if a complaint is not resolved.
Basis: RBI (NBFC - Responsible Business Conduct) Directions, 2025; Reserve Bank - Integrated Ombudsman Scheme, 2026
Every digital lending product Basel offers, the Digital Lending Applications through which it is offered, and each Lending Service Provider engaged together with the functions it performs.
Basis: Reserve Bank of India (Digital Lending) Directions, 2025
The standard Key Facts Statement issued to every borrower before the loan contract is executed, carrying the all-inclusive APR, the repayment schedule, the cooling-off period and the grievance route.
Basis: RBI Key Facts Statement guidelines, April 2024; Digital Lending Directions, 2025
What borrower data is collected, the purpose it is collected for, where it is stored, who it may be shared with, and how consent is given and withdrawn.
Basis: Digital Lending Directions, 2025; Digital Personal Data Protection Act, 2023
The terms governing use of this website and of Basel's digital lending surfaces.
Basis: Information Technology Act, 2000
Certificate of Registration No. B-06.00059 granted by the Reserve Bank of India, Department of Non-Banking Supervision, Chandigarh Regional Office. Not valid for accepting public deposits.
Basis: Section 45-IA of the Reserve Bank of India Act, 1934
Certificate of Incorporation issued by the Registrar of Companies, Chandigarh.
Basis: Companies Act
The constitutional documents of the company.
Basis: Companies Act, 2013
Customer identification, risk categorisation, monitoring and reporting obligations applied across every onboarding channel.
Basis: RBI Master Direction - Know Your Customer, 2016; Prevention of Money Laundering Act, 2002
How Basel selects, contracts with, monitors and exits third parties performing functions on its behalf, including Lending Service Providers.
Basis: RBI directions on managing risk in outsourcing of financial services by NBFCs
Controls governing systems, access, data residency and incident response.
Basis: RBI Master Direction on Information Technology Governance, Risk, Controls and Assurance Practices
The means by which repayment may be pursued, the conduct required of recovery personnel and agents, and the hours within which a borrower may be contacted.
Basis: RBI Fair Practices Code; Digital Lending Directions, 2025
The rate of interest, processing fee, penal charges with the reason for each, and every other charge on each loan.
Basis: RBI circular 'Fair Lending Practice - Penal Charges in Loan Accounts', 18 August 2023
The board-approved policy on when penal charges are levied, how much, and that they are never compounded or added to the rate of interest.
Basis: RBI circular 'Fair Lending Practice - Penal Charges in Loan Accounts', 18 August 2023
Release of property and vehicle documents within 30 days of closure, compensation for delay, and the procedure for legal heirs.
Basis: RBI circular 'Responsible Lending Conduct - Release of Movable / Immovable Property Documents', 13 September 2023
Every agency authorised to contact borrowers about repayment or to source loans, and the conduct each must observe.
Basis: RBI circular on Recovery Agents, 12 August 2022; RBI (NBFC - Managing Risks in Outsourcing) Directions, 2025
The board-approved code every recovery agent and direct selling agent acting for Basel must follow.
Basis: RBI (NBFC - Managing Risks in Outsourcing) Directions, 2025
Consumer education on the date of overdue, Special Mention Account and Non-Performing Asset classification, and upgradation, with the Reserve Bank's worked example.
Basis: RBI circular on Prudential Norms on IRACP - Clarifications, 12 November 2021
The Fair Practices Code in the languages borrowers in Basel's operating region understand.
Basis: RBI (NBFC - Responsible Business Conduct) Directions, 2025
Applicability: The languages to publish in depend on where Basel's borrowers are; Hindi and Punjabi are proposed for the Chandigarh region and await confirmation.
The company's annual return as filed with the Registrar of Companies.
Basis: Companies Act, 2013, section 92(3)
Audited financial statements, the Directors' Report and the Auditors' Report for each financial year.
Basis: Companies Act, 2013
Reserve Bank of India