CUSTOMER AWARENESS
1. Customer Can Make Payment through BBPS – How?
Loan EMI Payment through BBPS
Customers can conveniently pay their loan EMI through Bharat Bill Payment System (BBPS) anytime and from anywhere. BBPS is a secure and RBI-authorized payment platform that allows customers to make quick and hassle-free payments.
How to Make Payment through BBPS:
1. Open any BBPS-enabled application such as:
o PhonePe
o Google Pay
o Paytm
o Amazon Pay
o BHIM App
o Banking Mobile Apps
2. Search for the Loan Repayment / Loan EMI / Finance section.
3. Select Amrit malwa capital limited.
4. Enter your Loan Number
5. Verify your loan details.
6. Enter the EMI amount and proceed with payment.
7. Complete the payment using UPI, Debit Card, Net Banking, or any available payment mode.
8. After successful payment, you will receive a payment confirmation and transaction reference number.
2) Customer Support / Information Assistance
Need Help? We Are Here to Assist You
For any information, support, or assistance related to your loan account, customers can contact our support team through phone or email.
You may contact us for:
✔ Loan Statement Request
✔ NOC Request
✔ Loan Foreclosure / Settlement Request
✔ EMI Details
✔ Outstanding Amount Information
✔ Loan Account Information
✔ Address / Mobile Number Update
✔ Payment Related Queries
✔ Complaint Registration
✔ Feedback & Suggestions
✔ Repossession Related Information
✔ Any Other Assistance
Customer Care Contact Details
📞 Customer Support Number: +91 7529090905 , 18001378899
📧 Email: customersupport@amritmalwacapital.com
Escalation : grievances@amritmalwacapital.com
Customer Support Timing:
Monday to Saturday: 9:30 AM – 6:30 PM
We are committed to providing timely support and assistance to our customers.
3) EMI Payment
Customers are advised to make payments only through authorized digital modes such as Company Authorized QR Code, BBPS, NACH, or the Company’s Official Bank Account. In case of cash payment to any company employee or representative, customers must verify the employee’s valid Company ID card and ensure proper authorization before making the payment. Customers should not make payments to any employee’s personal bank account or any unauthorized individual account. Always collect a payment receipt or acknowledgment for future reference.
4) Read Key Fact Statement (KFS) Carefully
Customers are advised to carefully read and understand the Key Fact Statement (KFS) before accepting or signing any loan agreement. The KFS contains important details such as loan amount, rate of interest, EMI amount, loan tenure, processing fees, charges, penalties, and total repayment obligations. Customers should review all terms and conditions carefully and seek clarification in case of any doubt before proceeding with the loan. As per Reserve Bank of India (RBI) guidelines, lenders are required to provide a Key Fact Statement to ensure transparency and help borrowers make informed decisions.
5) Official Communication & 140 / 1600 & 1601 Number Awareness
Customers are advised to identify official communication channels carefully. As per regulatory guidelines, promotional or marketing calls are generally made through the 140 series, while service and transactional calls from regulated financial institutions may be made through the 1600 series. Customers should stay alert and avoid responding to suspicious calls received from unknown or personal mobile numbers claiming to represent the company. In case of any doubt, please contact the company’s official customer support team for verification. This initiative is aimed at enhancing customer safety and reducing financial fraud risks.
6) Unauthorized or Personal account Payments
Customers are strictly advised not to make any payment to an employee’s personal bank account, personal UPI ID, or any individual account. All payments should be made only through authorized company payment channels, such as the Company’s Official Bank Account, Authorized QR Code, BBPS, or other approved payment methods. The company shall not be responsible for any loss arising from payments made to unauthorized or personal accounts.
7) Company Collection Agent Timing
As per RBI guidelines, recovery-related calls, visits, and customer interactions should be conducted only during prescribed hours. Recovery representatives are generally permitted to contact customers between 8:00 AM and 7:00 PM and are expected to maintain respectful and professional behaviour. Customers should immediately report any misconduct through the company’s official Customer support Number and e-mail.
8) Loan Closure & Document Release Guidelines
As per RBI guidelines, upon full repayment or settlement of a secured loan, the lender is required to release original movable/immovable property documents and remove any registered charge within 30 days from the date of complete loan closure or settlement or customer request. Customers are advised to collect and verify all applicable documents such as NOC/No Due Certificate and original papers within the prescribed timeline and contact customer support in case of any delay.
9) Credit Bureau Reporting
Customers, Co-applicants, and Guarantors are advised to make EMI payments on time, as repayment behavior may be reported to CIBIL and other authorized Credit Information Companies (CICs). Timely payments help maintain a healthy credit history and improve creditworthiness, while delayed, overdue, or missed payments may negatively impact the credit score and future loan eligibility of the Customer, Co-applicant, and Guarantor.
10 ) Communication channel update
Customers, Co-applicants, and Guarantors are advised to promptly update any changes in their address, mobile number, email ID, employment details, or other contact information with the company. Updated information helps ensure timely communication regarding EMI reminders, account updates, important notices, and other loan-related communications, and helps avoid inconvenience or missed notifications.
11) Loan Delay and Penalty Charges
| Event | Charges |
| Late EMI | 3% monthly on outstanding |
| Recovery visit | ₹100 per visit |
| EMI Bounce | ₹600 |
| Rehit Failure | ₹50 |
| Foreclosure | 5% of principal |
| Repo Charges | ₹1,062 |
| Legal/Third-party Recovery Expenses | As incurred |