Techfino Capital Private Limited is the lender
Every loan associated with this company, this website and our mobile applications is made by Techfino Capital Private Limited in its own name, on its own balance sheet, as the lender of record.
Techfino Capital Private Limited is authorised to carry on the business of a non-banking financial institution in India under Certificate of Registration No. N-02.00314, granted by the Reserve Bank of India on 26 March 2019 under Section 45-IA of the Reserve Bank of India Act, 1934. The certificate is reproduced in full on this page.
The lending licence
The Reserve Bank of India licenses every non-banking financial company in India. Our licence — formally, a Certificate of Registration — is set out below, exactly as issued.
| Licence type | Certificate of Registration to commence / carry on the business of a non-banking financial institution |
|---|---|
| Certificate number | N-02.00314 |
| Granted to | Techfino Capital Private Limited |
| Issuing authority | Reserve Bank of India, Department of Non-Banking Supervision, Bengaluru Regional Office |
| Statutory power | Section 45-IA of the Reserve Bank of India Act, 1934 |
| Date of issue | 26 March 2019 |
| Classification | NBFC-ND — Type II (non-deposit taking) |
| Deposit-taking | Not valid for accepting public deposits |
| Status | Valid and in force |
| Signed by | K. S. Jyotsna, General Manager, Reserve Bank of India |
Verify this licence independently
- Reserve Bank of India — list of registered NBFCs: rbi.org.in/Scripts/BS_NBFCList.aspx
- RBI Sachet portal (registered entity search): sachet.rbi.org.in
- Ministry of Corporate Affairs (company master data, CIN U65999KA2018PTC114532): mca.gov.in
Reserve Bank of India, Certificate of Registration No. N-02.00314.
What this licence permits
- To carry on the business of a non-banking financial institution in India.
- To lend in our own name and on our own books, as the lender of record.
- To offer secured and unsecured credit facilities, including MSME loans and education / consumer loans, on terms set out in a sanction letter and loan agreement signed with each borrower.
- To service, collect and recover those loans in accordance with the RBI Fair Practices Code.
What this licence does not permit
- We cannot accept public deposits. The certificate is expressly marked “Not valid for accepting Public Deposits”. Never give money to anyone claiming to accept a deposit on our behalf.
- We are not a bank and do not offer savings or current accounts.
- We do not lend outside India, and our apps are distributed on the India storefront only.
Loan terms, interest rates and charges
All loans are made by Techfino Capital Private Limited as lender. The rate of interest and every charge applicable to a loan are disclosed to the borrower in the sanction letter and the loan agreement before the loan is accepted, and are governed by our board-approved Interest Rate Policy and Fee and Charges Schedule.
| Rate of interest | 8% to 24% per annum, calculated on a reducing-balance basis. The rate applicable to a borrower is set using the cost of funds, operating cost, credit and default risk, tenure, security and the borrower’s credit profile, as described in the Interest Rate Policy. |
|---|---|
| Maximum Annual Percentage Rate (APR) | The APR, inclusive of interest and all fees payable to the lender, does not exceed 36% on any loan. |
| Minimum repayment tenure | 12 months. No loan offered by Techfino Capital Private Limited requires repayment in full within 60 days or less. |
| Repayment | Equated monthly instalments (EMI) on the due date set out in the sanction letter and repayment schedule. |
| Processing fee | Up to 3% of the loan amount. |
| Penal charges | 3% per month on the monthly instalment outstanding, from the date of default until the instalment is received. |
| Bounce charges | Rs. 1,500.00 (MSME loans). Mandate rejection charges: Nil. |
| Collection charges | Rs. 1,180.00 per home visit (MSME loans). |
| Foreclosure / full pre-payment | MSME loans: not allowed for the first 12 months from disbursement; thereafter 5.90% on the outstanding principal. Consumer loans: Nil. |
| Part pre-payment | MSME loans: allowed after 12 months from disbursement, subject to a minimum of 25% of principal. Consumer loans: Nil. |
| Documentation charges | Login charges Rs. 1,180; legal & technical charges Rs. 3,540; document storage Rs. 1,180; document copy Rs. 1,180; foreclosure / pre-payment statement Rs. 1,180; list of documents issuance Rs. 1,180 (MSME loans; Nil on consumer loans where indicated in the schedule). |
| Stamp duty | As per applicable state law, deducted from the loan amount. |
| GST | All fees and charges above are inclusive of GST as applicable. |
The complete, authoritative Fee and Charges Schedule and the Interest Rate Policy are published in our regulatory disclosures. Where a charge is not listed above, it is set out in the borrower’s sanction letter and loan agreement.
Mobile applications published by the lender
Both applications below are published by Techfino Capital Private Limited, the lender, under the RBI Certificate of Registration shown on this page. Each has its own support page and both are governed by the same loan services privacy policy.
TechFino CredCo
Credit score, credit bureau report and credit-health insights. India storefront.
TechFino Cred-Co
Credit score, credit bureau report and credit-health insights. India storefront.
Licence & registration documents
The documents below are published in full and can be opened directly — no login, registration or app download is required.
RBI Certificate of Registration
The lending licence. Certificate No. N-02.00314, granted to Techfino Capital Private Limited by the Reserve Bank of India on 26 March 2019 under Section 45-IA of the RBI Act, 1934.
Open the RBI Certificate of Registration (PDF)Certificate of Incorporation
Issued by the Registrar of Companies, Ministry of Corporate Affairs, on 5 July 2018. CIN U65999KA2018PTC114532.
Open the Certificate of Incorporation (PDF)GST Registration Certificate
Form GST REG-06 issued by the Government of India. GSTIN 29AAGCT8403P1ZN, effective 15 November 2018.
Open the GST Registration Certificate (PDF)Regulatory framework we operate under
- Reserve Bank of India Act, 1934 — Section 45-IA (registration of NBFCs).
- Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023.
- RBI Fair Practices Code for NBFCs — published as our Fair Practices Code (also available in Kannada and Gujarati).
- RBI Digital Lending Directions — including the requirement that the lender be clearly identified to the borrower, that all fees be disclosed up front, and that no access be taken to a borrower’s contacts, call logs or media files.
- RBI Master Direction — Know Your Customer (KYC) Directions, 2016.
- Credit Information Companies (Regulation) Act, 2005 — governing access to and use of credit bureau information.
- Digital Personal Data Protection Act, 2023 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
- Reserve Bank – Integrated Ombudsman Scheme, 2021.
- Prevention of Money Laundering Act, 2002 and rules made thereunder.
Our default loss guarantee (DLG) disclosures, liquidity risk disclosures, consumer education literature, financial statements and all other regulatory publications are available on the regulatory disclosures page.
Grievance redressal
Techfino Capital Private Limited follows the grievance redressal mechanism prescribed by the Reserve Bank of India for NBFCs. If you are not satisfied with the resolution provided at any level, you may escalate to the next level.
Response within 14 working days
Email customercare@techfino.in or call +91-8069474744.
Monday to Friday, 9:00 AM – 6:00 PM IST and Saturday, 10:00 AM – 3:00 PM IST, except public holidays.
Mr. Braja Kishore Sahu
Principal Nodal Officer & Grievance Officer,
Techfino Capital Private Limited
Email grievance@techfino.in
Phone +91-9090505696
Please quote your complaint reference number.
Reserve Bank – Integrated Ombudsman Scheme, 2021
If your complaint is not resolved within 30 days, lodge it on the RBI CMS portal at cms.rbi.org.in, call the toll-free number 14448, or write to:
Centralised Receipt and Processing Centre,
Reserve Bank of India, 4th Floor,
Sector 17, Chandigarh – 160017
Statutory identity of the lender
Every identifier below can be independently verified with the issuing authority.
| Legal name of the lender | Techfino Capital Private Limited |
|---|---|
| Constitution | Private Limited Company, incorporated in India on 5 July 2018 under the Companies Act, 2013 |
| Corporate Identity Number (CIN) | U65999KA2018PTC114532 — verifiable at mca.gov.in |
| Regulator | Reserve Bank of India (RBI), Department of Non-Banking Supervision, Bengaluru Regional Office |
| Lending licence — RBI Certificate of Registration | N-02.00314, issued 26 March 2019 under Section 45-IA of the Reserve Bank of India Act, 1934 |
| Classification | NBFC-ND — Type II (non-deposit taking). Not valid for accepting public deposits. |
| Permanent Account Number (PAN) | AAGCT8403P |
| Tax Deduction Account Number (TAN) | BLRT14716C |
| GST Identification Number (GSTIN) | 29AAGCT8403P1ZN (Karnataka, regular registration effective 15 November 2018) |
| Registered & corporate office | 1st Floor, Smartworks, DSR Technocube, Thubarahalli, Varthur Road, Bengaluru Urban, Karnataka – 560037, India |
| Customer support | customercare@techfino.in · +91-8069474744 Monday to Friday, 9:00 AM – 6:00 PM IST and Saturday, 10:00 AM – 3:00 PM IST, except public holidays |
| Principal Nodal Officer / Grievance Officer | Mr. Braja Kishore Sahu · grievance@techfino.in · +91-9090505696 |
| Countries / storefronts served | India only |
This page is published by Techfino Capital Private Limited, the lender, and is publicly accessible without login or registration. Last updated 17 August 2026.