Notice
Armour Capital is an RBI-Registered NBFC - Financial partner you can trust ◆ Get loans up to ₹5 Crore with fast digital approval ◆ Healthcare Funding available at 0% interest - nil collateral required ◆ New: Solar Equipment Financing - go green with flexible repayment terms ◆ Education Fee Discounting - fund your child's school fees, 3%–11% discount rate ◆ Call us at +91 9824703600 - Mon to Sat, 9 AM – 6 PM ◆ Armour Capital is an RBI-Registered NBFC - your financial partner you can trust ◆ Get loans up to ₹5 Crore with fast digital approval - apply today ◆ Healthcare Funding available at 0% interest - nil collateral required ◆ New: Solar Equipment Financing - go green with flexible repayment terms ◆ Education Fee Discounting - fund your child's school fees, 3%–11% discount rate ◆ Call us at +91 9824703600 - Mon to Sat, 9 AM – 6 PM ◆
+91 9824703600
info@armourcapital.in
About Team Products Process Contact

Finance your Dream
Smarter Solutions

Fast, Transparent, and Responsible Lending for Individuals and MSMEs
Built on Technology. Driven by Trust.

Apply Now Talk to an Expert
Scroll
RBI Registered NBFC
Fast Disbursement
100% Digital KYC
Transparent Terms
Armour Capital Logo
RBI Registered
Our Vision

To become India's one of the most Trusted NBFCs - enabling Financial Inclusion through Innovative, Responsible Solutions that empower every customer.

Our Mission

To deliver Fast, Transparent, and Responsible financial solutions to Individuals and MSMEs - bridging India's credit gap through Technology and Trust.

Who We Are

Bridging India's
Financial Gap

At Armour Capital, we are committed to make financial solutions Simple, Transparent, and Accessible for Individuals and Businesses across India. As an RBI-registered NBFC, we combine Technology, Trust, and Customer-centric services to empower customers with reliable financial support.

Founded to bridge the gap between traditional banking and evolving financial requirements, we provide Fast, Flexible, and Responsible Lending - helping people achieve their goals with Confidence and Integrity.

  • Transparent Lending with no hidden fees or surprises
  • Empowering Individuals and MSMEs with accessible credit
  • Technology-driven for seamless Customer experiences
  • Highest standards of RBI compliance and ethics
  • Operating across Gujarat and Madhya Pradesh
Our Principles

Core Values

Every decision at Armour Capital is guided by Five Foundational Principles that keep us Honest, Innovative, and Customer-focused.

Integrity

Honesty and transparency in every interaction - no hidden fees & no surprises, ever.

Trust

Lasting relationships built through reliability, accountability, and ethical conduct.

Innovation

Embracing technology to simplify access to finance and reduce friction for every customer.

Excellence

Continuously striving to deliver superior financial services that exceed expectations.

Customer First

Every decision starts and ends with the customer's best interest at the center.

Leadership

Our Founding Team

Three Chartered Accountants with 50+ combined years of expertise in
BFSI, Taxation, Treasury, and Digital Finance.

CA Harshit Maniyar
Co-Founder

CA Harshit Maniyar

Chartered Accountant

Chartered Accountant (ICAI) with 15 years of diverse experience in Finance, Taxation, Treasury Management, Auditing, Compliance, and Financial Strategy, delivering practical solutions and driving sustainable business growth.

15 Years Experience
CA Tejas Sanghvi
Co-Founder

CA Tejas Sanghvi

Chartered Accountant

Chartered Accountant (ICAI) with certification in General Management & Communication Skills and 20+ years of experience in Finance, Accounting, Taxation, Audit, Compliance, and Strategic Financial Management across diverse industries.

20+ Years Experience
CA Kunal Shah
Co-Founder

CA Kunal Shah

Chartered Accountant

Chartered Accountant (ICAI) with a Certification in High Impact Leadership from IIM Indore and 17 years of diverse experience across BFSI, Telecom, Healthcare, Construction, and Pharma sectors.

17 Years Experience
What We Offer

Our Loan Products

Tailored financial products covering Healthcare, Education, Property, Business, and more - all with fast, paperless processing.

Apply Today

Healthcare Funding

Zero-collateral medical finance for salaried and self-employed individuals - no delays when health is at stake.

Loan AmountUp to ₹5 Lacs
Tenure3 Months
CollateralNil
Interest-Free Option Available

Education Fee Discounting

Fund school fees for your children with attractive discount rates and flexible 12-month tenures.

Loan AmountUp to ₹5 Lacs
Tenure12 Months
CollateralNil
No Extra Collateral

Loan Against Property

Unlock value of your Residential, Commercial, Industrial property and Non-Agri Land/Plot up to 70% LTV

Loan Amount₹10L – ₹5 Cr
Tenure12 – 84 Months
LTVUp to 70%
Residential & Commercial

Purchase / Sale Bill Discounting

Convert outstanding invoices into immediate working capital - ideal for traders and manufacturers.

Loan AmountUp to ₹2 Cr
Tenure3 – 12 Months
CollateralNil
Fast Disbursement

Mobile Funding

Finance mobile device purchases with quick approvals and minimal documentation requirements.

Eligible CustomersIndividuals
Process100% Paperless
TurnaroundFast
Minimal Documentation

Solar Equipment Funding

Green finance to fund rooftop solar panel installations - invest in the future, save on energy costs today.

CategoryGreen Finance
CollateralEquipment Backed
TermsFlexible
Eco-Friendly Lending

Loan Against Security

Get liquidity from your listed equity holdings - without selling or without disrupting your portfolio.

Loan AmountUp to ₹5 Cr
Tenure12 – 36 Months
LTV25% of Portfolio
Security Based Approval

Personal & Business Loans

Zero-Collateral Finance for entrepreneurs, traders, manufacturers, and service providers to bridge working capital.

Loan AmountUp to ₹50 Lakhs
Tenure12 – 36 Months
CollateralNil
Minimal Documentation
Simple Process

How It Works

From mobile app to cashless disbursement - our tech-touch model makes borrowing Faster and Simpler than ever.

1

Lending Portal

Download Initiate your loan request digitally

2

KYC & Upload

Complete OTP verification and upload all KYC documents

3

Credit Check

Bureau check, bank statement and income verification

4

Verification

Tele-verification and field investigation by our team

5

eSign Agreement

Digitally sign your loan agreement at branch

6

Disbursement

Cashless loan credited directly to your account

Our Edge

Technology Differentiation

A digital-first NBFC powered by AI/ML and deep API integrations - enabling Faster credit decisions, Lower Risk and Better Customer Outcomes.

Digital-First Origination

100% eKYC, GST data, bank statements, and credit bureau pulls - all via API for instant, paperless onboarding with zero physical visits.

AI / ML Credit Scoring

Proprietary models trained on MSME cash flows enable smarter underwriting beyond traditional bureau scores - faster decisions, better accuracy.

Digital Collections (UPI / NACH)

Automated payment reminders integrated with UPI and NACH - reducing default risk while improving repayment efficiency across the portfolio.

Real-Time Portfolio Dashboards

Live monitoring of AUM, NPA, collection efficiency, and compliance metrics - enabling proactive, data-driven risk management.

Multi-Layer Underwriting

Bureau data + GST analysis + bank statement verification + tele-verification for airtight risk assessment on every loan application.

RBI-Aligned ALM Policy

Strict Asset-Liability Management with sector and geography caps, centralized collections, and governance aligned to RBI norms at all times.

Loan Approval Documentation

General Loan Norms

Simple, clear eligibility criteria - designed to make borrowing accessible

Eligibility

What We Need from You

Our documentation requirements are minimal and straightforward - keeping the process fast and transparent.

  • 01
    Age 18 to 58 years at the time of loan origination
  • 02
    Recent passport-size photograph
  • 03
    CIBIL report (bureau-based credit assessment)
  • 04
    KYC documents of borrower and co-borrower (if applicable)
Get In Touch

Ready to Finance Your Dream?

Our team responds within 2 business hours. Quick turnaround, transparent process, no pressure.

Corporate Office

616-617 Anam2, Ambli T Junction, Iscon ambli Road
Ahmedabad – 380058, Gujarat, India

Registered Office

G-6, Sunny Market, Dairy Road, Magpura
Mehsana – 384002, Gujarat, India

Phone

+91 9824703600

Email

info@armourcapital.in

Website

armourcapital.in

Business Hours

Monday – Saturday: 9:00 AM – 6:00 PM

Request a Callback

Fill in your details and our loan advisor will call you shortly.