Privacy Policy
What personal information we collect, why we need it, who we share it with, and the control you retain over it.
Last reviewed and approved by the Board of Directors on 1 August 2026. This document applies to all customers of Nawkar Finance Limited and is available in Hindi, Marathi, Gujarati and Tamil at every branch on request.
Information we collect
- Identity and contact data — name, PAN, Aadhaar (masked), date of birth, address, mobile number and email.
- Financial data — income details, bank statements, GST returns, ITRs, and details of existing obligations.
- Credit data — credit information reports obtained from credit information companies with your consent.
- Transaction data — your loan account activity, repayments and communications with us.
- Technical data — IP address, device type and pages viewed, collected when you use this website.
Why we collect it
To assess your loan application, comply with KYC and anti-money-laundering obligations, service and collect your loan, meet regulatory reporting requirements, prevent fraud, and — only where you have opted in — to tell you about other products.
We do not collect information we do not need, and we do not retain it longer than the law requires.
Who we share it with
- Credit information companies, as required by the Credit Information Companies (Regulation) Act, 2005.
- Regulators, statutory authorities and courts, where required by law.
- Service providers bound by written confidentiality obligations — KYC verification agencies, payment processors, cloud hosting and communication providers.
- Auditors and legal advisers, under professional duties of confidentiality.
We do not sell customer data. We do not share your contact details with unaffiliated marketers. If you ever receive a marketing call that appears to originate from your relationship with us but is not from us, please report it to info@nawkar.in.
How we protect it
Data is encrypted in transit using TLS and at rest. Access is granted on a least-privilege basis, logged and reviewed. Our systems are subject to periodic vulnerability assessment and penetration testing, and staff undergo annual data-protection training.
Physical documents are stored in access-controlled premises and destroyed securely at the end of the retention period.
Your rights
- Access a copy of the personal data we hold about you.
- Have inaccurate data corrected, including data reported to credit information companies.
- Withdraw marketing consent at any time — this does not affect the servicing of an existing loan.
- Request erasure of data we are not legally obliged to retain.
To exercise any of these, write to info@nawkar.in with proof of identity. We respond within 30 days.
Retention
Loan records are retained for 8 years from closure of the account, and KYC records for 5 years from the end of the relationship, as required under the Prevention of Money Laundering Act. Data no longer required is deleted or anonymised.
Cookies
This website uses only strictly necessary cookies for security and session management. We do not run advertising cookies or cross-site trackers, and no consent banner is therefore required.
Questions about this document? Write to info@nawkar.in or call +91 90000 00000.