Code of Conduct

Contact Details of Grievance Redressal Officer

Grievance Redressal Mechanism (GRM) of Growing Opportunity Finance India Private Limited (GOF)

GOF MFI – NBFC has an effective Grievance Redressal Mechanism in place for our clients.

Deficiency/complaint if any in our services to our clients are addressed at different levels of administration. This GRM is functioning with dedicated contact numbers/email addresses/Registers in Branch Offices for registering complaints/suggestions.

Level 1: Branch Manager

Our clients may contact the Branch Manager of the particular location to register his/her query/ complaint/ grievances or suggestions, whose contact number and name are displayed

in the Notice Board of the Branch office.

A separate notebook / Complaint boxes are available in all branch offices to register their complaints/suggestions.

The grievance will be addressed within SEVEN working days.

Level 2: Grievance Redressal Officer (GRO)

If the grievances are not addressed in above said stipulated days / if the client is not satisfied with the response received from the Branch Manager, the client may contact the Grievance

Redressal Officer (GRO) of GOF, whose contact number is displayed in the Branch notice board and Loan Repayment Card.

For Tamil Nadu and Puducherry

The client can register the complaint with

1. Ms. Franzina S through phone number: 044 35101970 email id: and Address: # 73, First Floor, 6th Street, Y Block, Anna Nagar, Chennai – 600 040.

2. Mrs.Nirmala Sukumar, Principal Nodal Officer through email:

For Chhattisgarh

The client can register the complaint with Mr.Prince Siwango Alfred, Nodal Officer through phone number: 7999962908 email id:,

and Address: House No. C-109, First Floor, Sector-2, Near Balaji School, Devendra Nagar, Raipur (C.G) – 492001.

The grievance will be addressed within 30 working days from the primary date of the complaint.

Level 3: Contact Details of RBI Ombudsman for filing complaint through online or physical mode:

Only in the event of non-receipt of reply, within 30 days from the lodgement of the complaint,from the Company or if the complaint is rejected wholly or partially by the Company, the complaint can be registered with the RBI Ombudsman through an email or website or through an letter addressing to “Centralised Receipt and Processing Centre“,

Reserve Bank of India,

4th Floor, Sector 17, Chandigarh – 160017.

Website and Email id of RBI Ombudsman for registration of complaint:;

Fair Practice Code

Growing Opportunity Finance [India] Private Limited (GOF), in compliance with the Reserve Bank of India circular DNBR (PD) CC No.054/03.10.119/2015-16 dated July 01, 2015, has developed a Fair Practice Code that is integrated with the policies and procedures of GOF and implemented in a way that conforms the core values and provides effective services to the poor, outreach, profitability, and market orientation.

In summary Growing Opportunity clients will receive, in writing, a clear statement of the terms and conditions of the loan, including the loan amount, terms of the loan, conditions, and annualized rate of interest. Any change of conditions will be informed in sufficient time before enacting. If recovery becomes necessary, the staff and management will take all reasonable efforts to work jointly in a way that ensures a mutually beneficial outcome. In its recovery efforts, Growing Opportunity will refrain from harassment. Growing Opportunity Finance takes all grievances seriously and seeks to take appropriate corrective measures to ensure everyone is treated fairly, with respect and dignity.

The Full Fair Practices Code is available - Part I & Part II

Fair Practice Code for a microfinance loan

Details of Recovery Agents

Interest rate

CSR Policy | RBI Policy 


Contact details of principal nodal officer of the company


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