Interest Policy


Reserve Bank of India vide its notification No. DNBS. 204 / CGM (ASR)-2009 dated January 2, 2009 and vide its Guidelines on FPC for NBFCs DNBS.CC.PD.No.320/03.10.01/2012-13 dated February 18, 2013 have directed all NBFCs to make available the rates of interest and the approach for gradation of risks on the website of the NBFCs. 



Accordingly, Finvesco Capital India Limited is publishing this Policy for Determining Interest Rates, Processing and Other Charges in order to ensure transparency to conform to the stipulations of RBI’s directives, and shall be applicable till further notice.


This policy details the principles for determining interest for loans provided by Finvesco:

Lending rates are calculated taking into consideration Finvesco’s weighted average cost of funds, credit costs, overheads and other administrative costs.

The interest rate for loans for different business segments and products within that business segment differ due to the nature of the segment or product.

The interest rate for any business segment or product would incorporate Finvesco’s cost of funds, cost on account of risk and tenor for the concerned business segment / product, business / product specific operating cost and margin.