How to raise a complaint

1. Tell us

Use whichever is easiest:

• WhatsApp or call: +91 62398 08350
• Email: contact@sainifinance.com (subject: “Complaint”)
• In person: near BDO Office, Phoolpiara Road, Thandikhui, Sujanpur — Mon–Sat, 9:30 AM – 8:00 PM

Please include your name, your phone number, the loan it relates to (if any), what happened, and what you would like us to do. Please don’t send full Aadhaar or bank account numbers by email or chat — we will ask for anything we need.

2. What happens next

• We acknowledge your complaint within 2 working days and tell you who is handling it.
• The proprietor reviews it personally, including any records of your loan.
• We aim to give you our full response, and what we will do about it, within 7 working days. If we need more time or information, we tell you why and when to expect an answer.

Complaints about recovery conduct are taken especially seriously. We do not use harassment-style recovery practices, and you can report any such behaviour directly to the proprietor.

3. If you are not satisfied

Ask for your complaint to be reviewed again in person with the proprietor. For complaints about how we handle your personal data, you may also approach the Data Protection Board of India under the Digital Personal Data Protection Act, 2023. You also keep any other remedy available to you under Indian law.

Grievance contact

The Proprietor, Saini Finance Co.
Near BDO Office, Phoolpiara Road, Thandikhui, Sujanpur, Dist. Pathankot, Punjab 145023
contact@sainifinance.com · +91 62398 08350