At Homex Estates, we are commited to maintaining the highest standards of financial integrity and transparency. We operate a strict Ant-Money Laundering (AML) and Know Your Customer (KYC) framework in accordance with the Prevention of Money Laundering Act (PMLA), 2002, and guidelines issued by the Financial Intelligence Unit – India (FIU-IND).

1. Training & Compliance Awareness
   We invest in regular training for all partners and employees on Indian AML legislation and KYC norms. This training is delivered at induction and refreshed annually to ensure our team remains compliant with new or updated regulations from the Reserve Bank of India (RBI) and the Real Estate (Regulation and Development) Act (RERA).
2. Internal Controls & Reporting
   In compliance with statutory requirements, we have appointed a Designated Director and a Principal Officer responsible for monitoring transactions and ensuring the firm is not used for money laundering or the financing of terrorism.
   Where we identify transactions that have no apparent economic rationale or raise suspicion of criminal activity, our Principal Officer is mandated to submit a Suspicious Transaction Report (STR) to the Financial Intelligence Unit – India (FIU-IND).
3. Our Compliance Officers
   • Designated Director (Partner): Rajesh Joseph
   • Principal Officer (Partner): Biju Joseph
4. Customer Due Diligence (KYC)
   Before entering into any business relationship or property transaction, Homex Estates performs mandatory Customer Due Diligence (CDD). This includes:
   • Individual Clients: Verification of Aadhaar (via masked copy or secure verification), PAN Card, and current permanent address proof.
   • NRI/Overseas Clients: Verification of Passport/OCI card and ensuring compliance with the Foreign Exchange Management Act (FEMA) for inward remittances and property acquisitions.
   • Entities: For partnership firms or companies, we verify registration documents and identify the Ultimate Beneficial Owners (UBO).
5. Record Keeping
   In line with Indian statutory requirements, Homex Estates maintains comprehensive records of all
   transactions and customer identification data for a minimum period of five (5) years after the business relationship has concluded.
6. Contact for Compliance
   If you have any questions regarding our risk management procedures or KYC requirements, please contact our compliance team at sales@homexestates.com.