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RISK MANAGEMENT POLICY

Managing Risk.
Building Confidence.

At Bubna Financial Services Private Limited, we recognize the importance of identifying, assessing, and managing potential risks responsibly. Our approach emphasizes informed decision-making, appropriate risk controls, and ongoing monitoring to support business resilience and protect stakeholder interests.

Prepared for Risks. Focused on Resilience. Responsible decisions at every step.

Bubna Financial Services Private Limited

A structured approach to risk governance, operational controls and responsible business growth.

01

Introduction

Bubna Financial Services Private Limited ("Company") is committed to maintaining a comprehensive Risk Management Framework to identify, assess, monitor and mitigate risks arising from its business operations. The Company recognizes that effective risk management is essential for sustainable growth, regulatory compliance, operational efficiency and protection of customer interests.

This Risk Management Policy establishes the principles and processes through which the Company manages various business risks while ensuring compliance with applicable laws, Reserve Bank of India (RBI) guidelines and other regulatory requirements, wherever applicable.

This Policy shall apply to all employees, management personnel, directors, business partners, outsourced service providers and all operational activities of the Company.

02

Objective

The objectives of this Policy are to establish a consistent approach to managing risks and supporting responsible business operations. The Company aims to:

  • Identify and evaluate business risks on a timely basis.
  • Protect the Company's financial assets, information and reputation.
  • Ensure compliance with applicable legal and regulatory requirements.
  • Strengthen internal controls and operational efficiency.
  • Promote a culture of risk awareness across the organization.
  • Minimize financial and operational losses arising from unforeseen events.
  • Support informed business decisions through continuous risk assessment.
03

Risk Management Framework

The Company follows a structured Risk Management Framework to identify, assess, monitor and mitigate risks across all areas of its business operations. The framework focuses on proactive risk identification, implementation of appropriate control measures and continuous monitoring to minimize potential financial, operational and regulatory impacts.

Risk Identification

Risks shall be identified from lending activities, operational processes, financial transactions, technology systems, regulatory changes, customer interactions and outsourced services.

Risk Assessment

Every identified risk shall be evaluated based on its likelihood of occurrence, business impact and potential financial, operational, legal and reputational consequences.

Risk Mitigation

Appropriate preventive controls, approval mechanisms, internal procedures, employee awareness and technology-driven safeguards shall be implemented to minimize identified risks.

Risk Monitoring

The Company shall regularly monitor identified risks through periodic reviews, internal controls, compliance checks and management reporting to ensure timely corrective actions wherever required.

04

Major Risk Categories

The Company continuously monitors and manages the following key categories of risks:

Credit Risk
Operational Risk
Financial Risk
Liquidity Risk
Compliance & Regulatory Risk
Cyber Security & IT Risk
Fraud Risk
Reputational Risk
Business Continuity Risk
05

Roles & Responsibilities

Effective risk management requires clear responsibilities, accountability and cooperation across the organization.

Board of Directors

The Board of Directors shall oversee the implementation of this Policy and periodically review the Company's overall risk profile.

Senior Management

Senior Management shall be responsible for implementing the Risk Management Framework, monitoring key risks and ensuring effective internal controls across all business operations.

All Employees

All employees shall comply with this Policy, promptly report any identified risks or control weaknesses and actively support risk mitigation initiatives.

06

Review of Policy

This Risk Management Policy shall be reviewed periodically or whenever required due to changes in applicable laws, regulatory requirements, business operations or internal processes.

Any amendments to this Policy shall be approved by the Board of Directors of the Company.

07

Conclusion

Bubna Financial Services Private Limited is committed to maintaining a strong risk management culture through effective governance, internal controls and continuous monitoring. The Company shall continue to strengthen its risk management practices to safeguard the interests of customers, stakeholders and the organization while ensuring sustainable and responsible business growth.

Responsible Practices. Stronger Risk Management.

Bubna Financial Services Private Limited recognizes the importance of identifying and addressing risks through appropriate governance, internal controls and periodic reviews. This Policy provides the framework for a consistent and responsible approach to risk management.

Policy note: This page describes the Risk Management Policy framework. Its applicability and implementation should be reviewed against the Company's actual business activities, internal approvals and applicable regulatory requirements.