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(A Subsidiary of Manappuram Finance Limited)
(Effective From: 1st August 2020)
|Role||Prepared By:||Reviewed By:||Approved By:|
|Name||Kavitha Kannan||Bikram Mishra||Board Members|
|Designation||Manager – GRM||EVP – HR||–|
The purpose of this document is to outline the process and procedure followed by grievance redressal department.
This document provides the procedures in detail of the Grievance Redressal team to be followed to resolve the customers issue when received.
ASIRVAD had provided various mode for the customer/member to contact the Grievance desk in order to resolve their issues.
a) Call Center / Toll Free Numbers:
b) GRM Help Desk:
c) E- Mail / Written Complaints:
d) Touch Points (Branches / Divisional Office/ FDO / Field):
e) Whistle Blower:
a) Microfinance Institutions Network (MFIN) / Sa-dhan
b) Self-Regulatory Organization (SRO)
c) Reserve Bank of India (RBI)
Complaints received from (on behalf of customer or on the basis of public interest) general public & other stake holders such as Govt agencies, RBI, police, lawyers, industry ombudsman (AKMI & MFIN etc) & social activists will also be recorded at either branch level or divisional helpdesk level and provided with appropriate solutions.
All the above mentioned sources will directly communicate with the Grievance Redressal officer to resolve the customer complaints. All complaints will be analyzed by the grievance officer and based on the severity the issue will be resolved as per the timeline.
Roles & Responsibilities of Asirvad Staff:
1.Call Center: Customer calls to Toll Free Number – who will record all the calls, does follow up and provides the resolution. Customer calls to Complaint Resolution Manager (at Customer care) dedicated for collating the customer grievances– Customers can call or write to GRM – HO to escalate their unresolved grievances
2.Branch Manager / FDO: The BM/ FDO present at the branch are available for the customers to place their complaints directly through walk-ins or phone calls. If there is no FDO/BM, the AM should record the complaint and forward the same to GRM – HO. A separate Help Desk is not assigned to handle customer complaints at branches/DO. Document all the queries (FTR & Complaints) raised by the customer and share it with the Grievance officer. It is the responsibility of the branch staffs to provide the customer with the contact information of the Customer Care Number, Grievance Redressal Manager Details, Nodal Officer details & Officer-in-Charge of the Divisional Office of DNBS of RBI – Chennai despite the fact that the same is being displayed in the office Notice Board at all DO’s/Branches.
3.Divisional Manager / Cluster Head: To coordinate with the customer and branch and provide the resolution within the timeline to the customer and to the Grievance Officer.
4.Insurance Team: To provide the status of the claims reported to them by the Grievance officer.
5.Operation Team: All queries which require coordination with the branch will be routed through Operation team. The team will coordinate with Divisional Manager or Branch Manager (if required) to resolve the customer query and communicate the resolution to the customer and provide the resolution report to the GRM-HO.
6.Disciplinary committee and Internal audit Department: If the grievance raised is related to a fraud accusation against a customer or an employee of ASIRVAD, this is escalated to the Field Internal auditor for their respective procedure.
7.Human Resource Team: To provide confirmation on the action taken against any ASIRVAD employee based on the proven documents provided by the Grievance team within the stipulated timeline. HR should take the action based on the report submitted by Internal Audit Team and investigation done by HR Team (if requires). The following are the actions can be taken by HR Team against the employee who falls under L3 & L4 category.
8.Audit Department: Audit Managers, during their customer meets, shall check customer awareness level on grievance redressal process (whether customers are aware of toll-free number and GRC concept) and advice branch accordingly. If there is any service defects or customer complaints found in the field should be updated in center meeting visit checklist. Audit shall also check whether the branch displayed latest FPC posters properly or not? Are there any pending customer complaints for more than prescribed TAT? Crosschecking with few customers on satisfactory and timely resolution of complaints can also be done by Auditors.
9.Managing Director / Chief Operating Officer (for Final Escalation):Grievance officer shall escalate all complaints which are unresolved after standard TAT to COO/ MD. COO/MD shall take up the complaint with concerned supervisor for immediate resolution.
Process Procedure & Documentation:
CCRs and Divisional helpdesk will use the Helpdesk software solution for documenting and tracking customer grievances. In case branch does not have access to the software, branch should use a simple excel tracker to document and report customer complaints. The process to be followed by CCR and Divisional Helpdesk is given below.
|Fill Excel Complaint Tracker and send to GRO – HO|
GRO will tracker all the calls received into different category Query, Request, or Complaints with severity levels with a unique reference number
GRO will assign the complaints (as per the issue) to the respective owner or departments for investigation and resolution within the timeframe
The respective owners or departments (Operation, Insurance, Cross selling, BDT, and DM) will resolve the complaints and inform the customer with the resolution and the GRO
All queries are categorized as Enquiry, Request and Complaints. Based on the severity and criticality, the queries are further bifurcated into 4 Levels. Please find the below scenarios covered under different levels and the TAT.
All complaints will be resolved within 7 days unless and otherwise there is a reason for verification and enquiry. Complaints pertaining to frauds which require analysis/investigation, legal cases, cases which require retrieval of documents and records will be closed within 10 working days. If any case needs additional time, the customer will be informed of the reasons for and provide expected timelines for resolution.
NOTE: This list will be amended as per need
|Levels||Category||Category in Details||TAT|
|Level 1 (L1)||All Enquiry & Request||1.Branch Details|
2.Payment Receipt Confirmation
3.Customer KYC information
5.Difference in the disbursed amount
6.SMS not received
7.FDO requirement for collection
9.Insurance claim procedure
11.Reason for loan rejection
12.Pending loan tenure
13.Details to take additional / Top up loan, etc.
On the call (FTR)
Forwarded to GRM-HO for resolution
|Level 2 (L2)||Service Delays or Defects||1. Insurance claim delay|
2. Late arrival of officers/ GL for center meetings
3. Loan documents not provided
4. Forceful cross selling of product
5. Advance Collection of EMI
(Max 10 days)
|Level 3 (L3)||Staff Misbehaviour||1. Complaint on Group leader|
3. Misbehaviour concerns
4. Harassment etc.
|Level 4 (L4)||Fraud Cases||1. FDO seeking commission|
2. FDO collecting excess amount
3. Loan not taken but due SMS is received
4. Integrity Issues
5. Revenue loss, etc.
(Max 10 days)
All levels of grievances will be treated equally with the same sense of urgency and speed. However, the resolution given, and the action taken might vary depending on the severity.
All customers (including Physically Challenged and Disabled) of Asirvad will be treated equally & on par and will not be discriminated on the ground of their Religion, Race, Caste, Sex or Place of Birth.
If the complaint / dispute is not redressed by ASIRVAD within a period of one month, the customer may appeal to the Officer-in-Charge of the Divisional Office of DNBS of RBI – Chennai. Branch display on grievance redressal mechanism should also contain contact details of both ASIRVAD Complaint Resolution Officer and the Officer-in-Charge of Divisional Office of the RBI.s
All levels of grievance which are forwarded to GRM-HO for resolution will be resolved within 7 days. In case, if there is any delay on the closure of the issues within the stipulated timeline, it will be escalated to the higher levels in the management for speedy resolution.
Escalation matrix is followed as per below table:
|Escalation – 1||Escalation – 2||Escalation – 3|
|No. of Days||7 days||2 days||2 days|
|Responsibilities||HO Departments – Ops /Audit / Insurance /Cross selling teams/DM||AVP / SVP||COO / MD|
Resolution Procedure :
Process Flow chart:
Assessing Completeness of Resolution:
Repeated Complaints: Each time a customer calls, there must be a check to determine whether the call is regarding a new issue or a “follow up” call. Each personnel who receive the complaint must ensure that a follow up call can be traced back to the original call using the call reference number or the customer details. There must be immediate action and resolution sought in case of repeated complaints
Cross Check: CRM Team & GRM – HO are responsible to call complainants on random sample basis to assess satisfactory and timely resolution of complaints.
Dissemination of FPC & GRM Guidelines:
VERSION CHANGE REFERENCE:
|Prepared Date||Prepared by:||Reason for Preparation /Modification||Version Control|
|23/10/2019||Venkat Subba Rao||Preparation of SOP||1.0|
|10/07/2020||Kavitha Kannan||Revision of TAT and inclusion of Escalation Matrix||1.1|