Regulatory Approvals

Our Regulatory Approvals & Compliance Framework

At OCHFL, we operate with the highest standards of regulatory compliance, transparency, and governance. Our operations are strictly governed by India’s financial regulatory authorities, ensuring customer protection, ethical lending, and long-term stability.

Certificate of Incorporation

Certificate of Registration

RBI-Certificate of Registration

    • Registered under the Companies Act, 1956 (Certificate of Incorporation dated January 31, 2001).
    • Name Change Approval (2023): Officially renamed Orange City Housing Finance Private Limited as per ROC approval (April 13, 2023).

    • Certificate of Registration (CoR) obtained on January 28, 2003, authorizing OCHFL as a Housing Finance Company (HFC) under NHB regulations.
    • Reissued CoR by RBI (2024): Post-name change, RBI revalidated our registration on January 4, 2024, ensuring uninterrupted operations.
    • Primary Lending Institution (PLI) Status: Recognized by NHB to disburse loans under Pradhan Mantri Awas Yojana (PMAY).

    • Anti-Money Laundering (AML) & KYC Compliance – Rigorous customer verification to prevent fraud.
    • RBI’s Prudential Norms – Follows strict asset classification, provisioning, and capital adequacy requirements.
    • Adherence to Fair Practices Code (FPC) – Ensures transparent loan pricing, ethical recovery, and grievance redressal.

    • Annual Reports – Audited financials submitted to NHB, RBI, and ROC.
    • Public Disclosures – Key policies (Interest Rate, APR, Grievance Redressal) published on our website for transparency.

    • Board-Driven Compliance – Independent directors oversee risk & governance.
    • Whistleblower Policy – Employees & stakeholders can report misconduct anonymously.
    • Internal Audit & NHB Inspections – Regular audits ensure adherence to regulatory norms.

We believe regulatory adherence is key to protecting stakeholder interests, enhancing customer trust, and building a sustainable financial institution for the long term.

Credit Rating

Brickwork

Instrument / Facility Amount (Rs. crore) Current Ratings
Proposed Long Term Facilities Term Loans 20.00 BWR BB/Stable (BWR Double B with Stable Outlook)
Proposed Non-Convertible Debentures 10.00 BWR BB/Stable (BWR Double B with Stable Outlook)
Total 30.00 -

Informerics Ratings

Instrument / Facility Amount (Rs. crore) Current Ratings
Proposed Long Term Facilities Term Loans 20.00 IVR BB/Stable (IVR Double B with Stable Outlook)
Proposed Non-Convertible Debentures 10.00 IVR BB/Stable (IVR Double B with Stable Outlook)
Total 30.00 -

Our Commitment

Customer-Centric Service

Tailored solutions for each borrower

Financial Inclusion

Serving customers in urban, semi-urban, and rural areas

Government Partnership

Helping families benefit from PMAY subsidies

Long-Term Relationships

Guiding customers through the full loan lifecycle

We proudly serve:

  • Low-income salaried workers
  • Informal income earners
  • Self-employed individuals and micro-entrepreneurs
  • Families in Tier 2, Tier 3, semi-urban, and rural areas

At OCHFL,
we don’t just finance homes we build futures.

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