Code of Conduct -Summary
Use RE’s approved method to assess household incomeIncome Check –
EMIs ≤ 50% of monthly household incomeRepayment Cap –
Share accurate loan data; check borrower’s debt levelCIC Reporting –
Follow RE’s board-approved pricing policyLoan Pricing –
Provide simplified fact sheet with loan detailsBorrower Disclosure –
Treat borrowers respectfully; no coercionFair Practices –
Follow RE’s policy for behavior and trainingConduct & Training –
RE remains responsible for compliance even if outsourcedOutsourcing –
Identify borrowers in repayment trouble; guide them on available help Recovery Location – Prefer 
designated place; home/work recovery allowed only after 2 missed visits1.Borrower Support –
Ensure proper vetting of all recovery personnel
1.Recovery Agent Due Diligence 
–