Notice
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 ◆ 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

Empowering India with
Smarter Financial
Solutions

Fast, transparent, and responsible lending for individuals and MSMEs — from healthcare funding to business capital. Built on technology. Driven by trust.

Explore Products Talk to an Expert
₹5 Cr
Max Loan
7+
Products
100%
Digital Process
3 Mos
Fastest Tenure
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RBI Registered NBFC
Fast Disbursement
100% Digital KYC
Transparent Terms
AI-Powered Underwriting
Gujarat & MP Operations
Armour Capital — Professional Finance Team
RBI Registered
50+
Combined Years Exp.
3 CAs
ICAI Certified
₹5 Cr
Max Loan Size
Who We Are

Bridging India's
Financial Gap

At Armour Capital, we are committed to making 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 Vision

To become one of India's most trusted NBFCs — enabling financial inclusion through innovative, responsible solutions that empower every customer.

What We Offer

Our Loan Products

Seven 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
Interest Rate24% – 34% p.a.
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
Discount Rate3% – 11%
Tenure12 Months
CollateralNil
No Extra Collateral

Loan Against Property

Unlock value from your residential, commercial, or industrial property with up to 80% LTV.

Loan Amount₹10L – ₹5 Cr
Interest Rate13% – 17% p.a.
Tenure12 – 84 Months
LTVUp to 80%
Residential & Commercial

Purchase / Sale Bill Discounting

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

Loan AmountUp to ₹2 Cr
Interest Rate18% – 24% p.a.
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 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, without disrupting your portfolio.

Loan AmountUp to ₹5 Cr
Interest Rate18% – 24% p.a.
Tenure12 – 36 Months
LTV20% of Portfolio
CIBIL-Based Approval
Simple Process

How It Works

From mobile app to cashless disbursement — our tech-touch model makes borrowing faster and simpler than ever.

1

Mobile App

Download and 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 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 ICAI-certified Chartered Accountants with 50+ combined years of expertise in BFSI, taxation, treasury, and digital finance.

CA Kunal Shah
Co-Founder

CA Kunal Shah

Chartered Accountant · ICAI

17 years of diverse experience across BFSI, Telecom, Healthcare, Construction, and Pharma. Certified in High Impact Leadership from IIM Indore.

17 Years Experience
CA Tejas Sanghvi
Co-Founder

CA Tejas Sanghvi

Chartered Accountant · ICAI

20+ years of deep experience in Finance, Accounting, and Taxation functions. Certified in General Management & Communication Skills from ICAI.

20+ Years Experience
CA Harshit Maniyar
Co-Founder

CA Harshit Maniyar

Chartered Accountant · ICAI

15 years of expertise spanning Finance, Taxation, Treasury, and portfolio management across multiple sectors including BFSI and manufacturing.

15 Years Experience
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.

Why Armour Capital

A Massive Market Opportunity

India's MSME sector and digital infrastructure create a rare convergence of need and opportunity for tech-enabled NBFCs.

0%
MSME contribution to India's GDP — the largest single economic engine
11 Cr+
People employed in India's MSME sector — financial inclusion at massive scale
₹69L Cr
Total MSME credit demand — only ~40% met by formal financial institutions
0%
NBFCs' share of India's total credit and growing rapidly year on year

India's MSME sector — the backbone of the economy — faces a ₹69 lakh crore formal credit gap. With only 40% of demand met by banks and institutions, NBFCs like Armour Capital play a critical role in bridging this divide.

Digital infrastructure — UPI, GST networks, Aadhaar-based eKYC, and credit bureaus — has dramatically reduced underwriting costs, making scalable, tech-driven lending both viable and profitable for the first time.

Our focus on Gujarat and Madhya Pradesh, combined with our digital-first model, positions us to capture a significant share of the underserved market while maintaining strong risk discipline.

  Our Opportunity

NBFCs are increasingly vital contributors to India's credit ecosystem — contributing 18% of total national credit and growing. Digital-first NBFCs with robust risk frameworks are uniquely positioned to scale profitably.

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)
  • 05
    Latest bank statement (last 6 months)
  • 06
    Telephonic verification of customer and their references
  • 07
    Personal discussion and field investigation visit
  • 08
    Geographic location: Gujarat and Madhya Pradesh (excluding negative areas)
Get In Touch

Ready to Finance Your Dream?

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

Office Address

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

Service Area

Gujarat & Madhya Pradesh
(Excluding negative areas as per RBI norms)

Gujarat India Map
Mehsana, Gujarat

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