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Know Your Customer (KYC) & Anti-Money Laundering (AML) Measures Policy. Setting the corporate standards for safe, clear, and fully compliant financial environments.

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Policy Overview

Objective of KYC & AML

R.B.Credits Pvt Ltd (R.B.CREDITS) being a responsible corporate is committed to ensure all the Statutory and Regulatory requirements with due focus on efficiency, customer-orientation and corporate governance principles.

The ‘Know Your Customer’ guidelines were issued in the context of the Recommendations made by the Financial Action Task Force (FATF) on Anti Money Laundering (AML) standards and on Combating Financing of Terrorism (CFT). Reserve Bank of India (RBI) updated on January 4, 2024 notified the Know your customer (KYC) Directions, 2016, directing that every Regulated Entity shall have a Board-approved policy framework.

The primary objective is to know and understand our customers and their operational financial transactions, helping the enterprise manage risks smartly while protecting R.B.CREDITS from unintentional use by criminal patterns for structural money laundering actions.

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Key Elements of KYC Policy

Customer Acceptance

Ensuring complete customer compliance via baseline collection of valid official documentation aligned carefully with mapped identity profiles.

Customer Identification

Verifying transactional profiles with independent structural tracking references to secure system authenticity and block identity gaps.

Monitoring Transactions

Routine screening setups applied to running transaction streams to quickly evaluate actions against normal operational ranges.

Risk Management

Implementing organizational systems that optimize deep framework due diligence parameters across distinct operational ranks.

Definition of a Customer

According to underlying RBI benchmarks, a "Customer" is structurally categorized as:

A person or enterprise holding a registry profile or regular transactional relationship with the Company.
An individual/entity operating transactions over a designated setup managed by the Company.
The true beneficial owner on whose secondary behalf a validated registry profile is held.
Intermediary beneficiaries mapped directly through authorized specialists (e.g., Stock Brokers, CAs, and Solicitors).
Any connected profile element causing dynamic reputational or operational exposure threats to the system.

Who is recognized as a 'Person'?

Encompasses Individuals, Hindu Undivided Families (HUF), Corporate Bodies, Standard Firms, Associations of Persons (AOP), Bodies of Individuals (BOI), along with all secondary structural agencies owned or managed by them.

Sourcing & Operational Matrix

Parameter	Features & Implementation Standards
Sourcing Of Customers	Standard customer acquisitions & online workflows. Verified Channel Partners. No external alternate apps or unmapped sourcing entry routes are entertained. Channels follow Fair Practices Code (FPC) rules.
Application Form	Complete application profile executed cleanly by all relevant parties. The individual photo validation marking must explicitly overlap with the paper signature profile.
KYC & PMLA Guidelines	Execution of clear photo identification records alongside required authentic Officially Valid Documents (OVDs) providing certified residential and profiling references.