Term and Condition
Terms of Use
Governing Your Use of www.capfinindia.in
Capfin India Limited
CIN: L74999PN1992PLC243323| BSE: 539198
RBI Registered NBFC (Non-Systemically Important, Non-Deposit Taking, Base Layer)
IMPORTANT: Capfin India Limited is a Reserve Bank of India registered Non-Banking Financial Company (NBFC). This website is a regulated corporate and investor-relations platform. Nothing on this website constitutes financial advice, a loan offer, or an invitation to apply for credit. Users are urged to read these Terms carefully before proceeding.
1. Introduction and Acceptance of Terms
Welcome to the official website of Capfin India Limited (“Capfin India”, “the Company”, “we”, “our”, or “us”). Capfin India Limited is a non-deposit taking, non-systemically important, base-layer Non-Banking Financial Company (NBFC-BL) duly registered with the Reserve Bank of India (“RBI”) under Section 45-IA of the Reserve Bank of India Act, 1934. The Company is incorporated under the Companies Act, 1956, with CIN L74999PN1992PLC243323, and is listed on BSE Limited (Scrip Code: 539198; Symbol: CAPFIN). The registered office of the Company is at 6th Floor, VB Capitol Building, Range Hills Road, Opp. Hotel Symphony, Bhoslenagar, Shivajinagar, Pune, Maharashtra – 411007, India.
These Terms of Use (“Terms”) govern your access to and use of our website at www.capfinindia.in, including all sub-pages, content, features, investor relations materials, and services offered therein (collectively, the “Website”). By accessing or using the Website in any manner, you unconditionally agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations, including those issued by the RBI, Securities and Exchange Board of India (SEBI), and the Ministry of Corporate Affairs (MCA). If you do not agree to these Terms, please discontinue use of the Website immediately.
These Terms constitute a legally binding agreement between you (“User”, “you”, or “your”) and Capfin India Limited. Your continued use of the Website following notification of any amendment to these Terms constitutes acceptance of those amendments.
2. About Capfin India Limited
Capfin India Limited is engaged in the business of providing loans to corporate and non-corporate entities and in making investments, including underwriting, acquiring, holding, and selling shares, debentures, bonds, mortgages, and securities of any kind. The Company operates as a Base Layer NBFC (NBFC-BL) as classified under the RBI’s Scale Based Regulation framework set out in the Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023.
The Company’s operations and conduct are regulated by:
• The Reserve Bank of India Act, 1934 (Sections 45-I to 45-MB);
• The Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023, as amended;
• The RBI Master Direction – Non-Banking Financial Companies – Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016 (as applicable);
• The RBI’s Fair Practice Code for Non-Banking Financial Companies, as applicable;
• The Prevention of Money Laundering Act, 2002 (PMLA) and the Know Your Customer (KYC) Master Directions issued by the RBI, 2016 (updated from time to time);
• The Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI LODR);
• The Companies Act, 2013 and the rules made thereunder;
• All other applicable laws, rules, regulations, circulars, and directions of India.
This Website serves as a corporate information and investor relations platform. It does not constitute a digital lending platform, a loan application portal, or a payment interface.
3. Eligibility and Capacity
Use of the Website is available only to:
- Individuals who are eighteen (18) years of age or older and are legally competent to enter into contracts under the Indian Contract Act, 1872, or applicable law in their jurisdiction of residence;
- Corporate entities and institutional users duly incorporated and/or registered under applicable laws who access the Website through authorised representatives.
By accessing the Website, you represent and warrant that you satisfy the above eligibility criteria. You further represent that your access to the Website is not prohibited under any applicable law. Capfin India Limited reserves the right to verify eligibility and to restrict or terminate access at any time, without notice, if it reasonably believes that the eligibility conditions are not met.
4. Permitted and Prohibited Use
- Viewing publicly available corporate information, regulatory filings, and investor relations disclosures;
- Submitting contact or investor relations queries through authorised forms on the Website;
- Downloading or printing publicly available regulatory documents or annual reports for personal reference, with all proprietary notices preserved;
- Accessing disclosures required to be published under SEBI LODR, the Companies Act, 2013, and applicable RBI regulations;
- Participating in e-voting and general meeting facilities made available through the Website, subject to relevant procedural requirements.
- Any purpose that is unlawful, fraudulent, or in violation of any applicable Indian or international law, regulation, or RBI/SEBI direction;
- Gaining or attempting to gain unauthorised access to any part of the Website, its servers, databases, or any other system connected to the Website;
- Transmitting or uploading any virus, malware, spyware, ransomware, or other harmful code;
- Using automated tools such as bots, crawlers, or scrapers to extract data from the Website without our prior written consent;
- Impersonating any person or entity, or misrepresenting your identity, capacity, or affiliation with any organisation;
- Using the Website to conduct or facilitate any financial transaction, money laundering, or activity that violates the Prevention of Money Laundering Act, 2002;
- Copying, reproducing, republishing, distributing, modifying, or creating derivative works from any content on the Website without prior written authorisation;
- Using the Website in a manner that places an excessive or unreasonable load on our infrastructure;
- Engaging in any conduct that could damage the reputation or business interests of Capfin India Limited or any of its directors, officers, or employees.
REGULATORY DISCLAIMER: The content on this Website is published for general informational and regulatory disclosure purposes only. It does not constitute financial, investment, legal, tax, or credit advice. Capfin India Limited is regulated by the RBI as an NBFC and does not solicit deposits from the public.
All content on this Website, including information about the Company’s lending activities, financial results, regulatory filings, and investor relations materials, is provided on an “as is” basis for informational purposes only. Nothing on the Website constitutes:
- An offer to extend credit, a loan, or any form of financial accommodation;
- Investment advice or a recommendation to buy, sell, or hold the Company’s listed securities;
- Legal, tax, accounting, or financial planning advice of any kind;
- A guarantee of future financial performance.
Users who seek financial products, including loans offered by the Company, should contact the Company directly through the contact details provided on the Website and through authorised channels only. Any loan application or credit decision process is separate from and not conducted through this Website. Capfin India Limited’s lending operations are governed by its Fair Practice Code and KYC Policy, copies of which are available in the Investor Relations section of the Website.
6. Investor Relations Content and SEBI LODR Disclosures
The Investor Relations section of the Website contains disclosures mandated by and published in compliance with:
- SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 – including financial results,
- corporate governance reports, board meeting notices, voting results, shareholding patterns, and annual reports;
- The Companies Act, 2013 – including notices of general meetings, statutory reports, and AGM materials;
- RBI regulations applicable to NBFCs – including the Fair Practice Code, KYC Policy, Investment Policy, Risk
- Management Policy, and other board-approved policies accessible in the Policies section.
These disclosures are made pursuant to statutory and regulatory obligations and are not representations or warranties of future performance. Investors are advised to rely solely on information disclosed through the official filings made with BSE Limited and the relevant regulatory authorities. In the event of any discrepancy between the content on the Website and the official exchange filings, the official filings shall prevail.
The Company’s Registrar and Share Transfer Agent (RTA) is Indus Shareshree Private Limited (formerly Indus Portfolio Private Limited). Shareholders requiring transfer, dematerialisation, or other share-related services should contact the RTA directly.
7. Intellectual Property Rights
The Website and all content thereon — including but not limited to text, graphics, logos, trademarks, data compilations, financial models, presentations, documents, and software — are the proprietary intellectual property of Capfin India Limited or its licensors, protected under the Copyright Act, 1957, the Trade Marks Act, 1999, the Patents Act, 1970, and all other applicable Indian and international intellectual property laws.
You are not permitted to copy, reproduce, distribute, publicly display, modify, create derivative works from, sell, or otherwise exploit any content from the Website without the prior express written consent of Capfin India Limited. All rights not expressly granted are reserved.
8. Third-Party Links and External Resources
The Website may contain hyperlinks to third-party websites, including BSE Limited (www.bseindia.com), the Ministry of Corporate Affairs portal (www.mca.gov.in), the RBI website (www.rbi.org.in), SEBI (www.sebi.gov.in), and the Company’s RTA portal. These links are provided solely for user convenience and regulatory accessibility.
Capfin India Limited does not endorse, control, or accept responsibility for the content, privacy practices, security, or terms of any third-party website. Access to and use of any third-party website is entirely at your own risk and is governed by the terms and policies of that website. We encourage you to review the applicable terms and privacy policies before providing any information to a third-party website.
9. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL CONTENT, MATERIALS, AND INFORMATION THEREON ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. CAPFIN INDIA LIMITED EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING:
- Any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement;
- Any warranty that the Website will be available on an uninterrupted, error-free, or secure basis at all times;
- Any warranty regarding the accuracy, completeness, currency, or reliability of any content, financial data, or regulatory disclosure on the Website;
- Any warranty that the Website is free from viruses or other harmful components.
Certain statutory implied warranties and rights cannot be excluded under applicable Indian law. Nothing in these Terms shall be construed to exclude or limit those rights.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Capfin India Limited and its directors, officers, key managerial personnel, employees, agents, and service providers shall not be liable for any:
- Indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the Website;
- Loss of profits, data, business, or goodwill arising in connection with the Website;
- Financial loss arising from reliance on any information, financial data, or disclosure published on the Website;
- Unauthorised access to or corruption of your data or transmission;
- Damages arising from content or conduct of any third party on or accessible through the Website,
whether such liability is founded in contract, tort, statute, or otherwise. In any event, Capfin India Limited’s maximum aggregate liability to you in connection with these Terms shall not exceed INR 1,000 (Rupees One Thousand Only).
Nothing in this Section shall limit Capfin India Limited’s liability for fraud, wilful misconduct, or any liability that cannot be excluded under applicable law, including obligations arising under SEBI or RBI regulations.
11. Indemnification
You agree to indemnify, defend, and hold harmless Capfin India Limited and its directors, officers, key managerial personnel, employees, agents, and legal representatives from and against all claims, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:
- Your access to or use of the Website;
- Your violation of these Terms or any applicable law or regulation;
- Your infringement of any intellectual property or other right of any person;
- Any misrepresentation made by you in connection with your use of the Website;
- Any allegation that information submitted by you to the Company through the Website causes damage to any third party.
REGULATORY NOTICE: Capfin India Limited is obligated to comply with the Prevention of Money Laundering Act, 2002 (PMLA) and the RBI Master Direction on Know Your Customer (KYC) Directions, 2016, as updated from time to time. All prospective borrowers and investors are required to complete applicable KYC formalities prior to entering into any financial transaction with the Company.
Where you engage with the Company in any lending, investment, or financial services capacity (separately from
use of this Website), Capfin India Limited is required by law to:
- Collect, verify, and maintain Know Your Customer (KYC) documentation, including identity proof, address proof, and Permanent Account Number (PAN), as mandated by the RBI’s KYC Master Directions, 2016;
- Conduct Customer Due Diligence (CDD) and, where required, Enhanced Due Diligence (EDD) in accordance with PMLA and RBI guidelines;
- Report suspicious transactions to the Financial Intelligence Unit – India (FIU-IND) under the PMLA;
- Maintain and preserve all KYC and transaction records for the periods specified under the PMLA and applicable RBI directions.
By engaging in any financial transaction with the Company, you consent to these KYC and AML processes. Provision of false, misleading, or incomplete KYC information may result in refusal of services and/or reporting to relevant law enforcement authorities as required by law.
13. Fair Practice Code
Capfin India Limited’s lending operations are governed by the RBI’s Fair Practice Code for NBFCs. A copy of the Company’s Board-approved Fair Practice Code is published in the Policies section of the Website. In summary, the Company commits to:
- Providing clear, transparent, and adequate information on the terms and conditions of all loan products prior to sanction;
- Not engaging in any discriminatory or unfair treatment of borrowers;
- Ensuring that loan agreements are in a language understood by the borrower;
- Providing an adequate grievance redressal mechanism for borrowers and depositors.
This Website does not itself form part of the lending or loan application process and does not create any obligation on the Company to extend credit to any user.
14. Privacy
Your access to and use of the Website is also governed by the Privacy Policy of Capfin India Limited, published separately on the Website and incorporated herein by reference. The Privacy Policy describes how we collect, use, store, share, and protect your personal data in accordance with the Digital Personal Data Protection Act, 2023 (DPDPA), the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the RBI KYC Master Directions, 2016, the PMLA, and all other applicable data protection and privacy laws of India. Please review the Privacy Policy carefully before using the Website.
15. Modifications to Website and Terms
Capfin India Limited reserves the right to modify, update, suspend, or discontinue the Website or any feature thereof at any time without prior notice or liability. We may update or revise these Terms at any time. Revised Terms will be posted on the Website with an updated effective date. Your continued use of the Website after any modification constitutes your acceptance of the updated Terms. Where required by applicable law or regulation, prior notice of material changes will be provided.
16. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of India. All disputes, controversies, or claims arising out of or in connection with these Terms or the use of the Website shall be subject to the exclusive jurisdiction of the courts at Pune, Maharashtra, India.
Without prejudice to statutory rights, the parties shall first endeavour to resolve any dispute through good-faith negotiation for a period of thirty (30) days from the date of written notice of the dispute. If unresolved, the dispute shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator mutually agreed upon by the parties. The seat and venue of arbitration shall be Pune, Maharashtra, and proceedings shall be conducted in English. This arbitration clause does not affect your right to approach the appropriate regulatory authority, including the RBI or SEBI, for redressal of regulated grievances.
17. Force Majeure
Capfin India Limited shall not be held liable for any delay or failure in performance of its obligations under these Terms or in relation to the Website arising from causes beyond its reasonable control, including natural disasters, pandemic or epidemic, acts of God, fire, flood, war, terrorism, civil unrest, governmental action, regulatory action by RBI or SEBI, failure of third-party internet or telecommunications service providers, power outages, or any other cause beyond the Company’s reasonable control.
18. Severability, Waiver, and Entire Agreement
If any provision of these Terms is found to be invalid, void, or unenforceable by a court or tribunal of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. The failure of Capfin India Limited to enforce any provision of these Terms shall not constitute a waiver of its right to enforce that provision in the future. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Capfin India Limited with respect to use of the Website and supersede all prior communications, representations, and understandings.
19. Grievance Redressal
If you have any complaint or grievance regarding the Website or these Terms, you may contact: