As per the RBI Master Direction (FIDD.MSME & NFS.12/06.02.31/2017-18 dated July 24, 2017), we are required to disclose the timelines for communicating credit decisions on our website.

In line with this, the time taken to process and decide on loan applications under our various product offerings is as follows:
Credit decisions will be communicated within 30 days for individual loan application.

The 30-day period begins after the customer submits a complete application along with all required documents, as per OCHFL guidelines. This timeline does not include any delay caused due to pending responses or clarifications from the customer.