Sankalp Capital is an RBI-registered NBFC delivering fast, transparent, and
collateral-free personal finance solutions across India through our digital platform UpCash.
All Sankalp Capital loan disbursals are processed through our authorised, RBI-regulated
digital Lending Service Provider.
UpCash — Digital Lending
UpCash (upcash.in) is Sankalp Capital's authorised Lending Service Provider. UpCash handles digital
onboarding, credit assessment, and loan servicing on our behalf. All loans originated via UpCash are
funded and regulated under Sankalp Capital's RBI license B-10.00221.
"The process was incredibly smooth. Applied on UpCash, approved within minutes, money
in my account the same day. A true lifesaver in an emergency."
RK
Rajesh Kumar
Kota, Rajasthan
"Transparent about every charge. No surprises, no hidden fees. The entire process was
done on my phone in under 10 minutes. Highly recommended."
SP
Sunita Patel
Jaipur, Rajasthan
"Two personal loans through UpCash, both disbursed instantly with very flexible
repayment. Great service and a genuinely customer-first experience."
AM
Amit Meena
Jodhpur, Rajasthan
FAQ
Frequently Asked Questions
What is Sankalp Capital Private Limited?
Sankalp Capital Private Limited is an RBI-registered Non-Banking Financial Company
(NBFC) classified under the Base Layer. Headquartered in Kota, Rajasthan, we provide personal finance
solutions via our digital LSP UpCash. RBI License: B-10.00221 · CIN: U65993RJ2011PTC037081.
How do I apply for a personal loan?
Apply through our LSP UpCash at upcash.in. The process is fully digital — fill in
your details, complete KYC, and receive an instant credit decision without visiting any branch.
Is collateral required for a personal loan?
No. All personal and medical loans through UpCash are fully unsecured. You do not
need to pledge any asset, property, or collateral to borrow from us.
What documents are required?
You need your Aadhaar card, PAN card, and an Aadhaar-linked mobile number. Income
proof may be required depending on the loan amount. The process is entirely paperless.
How do I raise a complaint?
Contact GRO Nitin Chittora at nodal@sankalpcap.com or call 9910272387 (Mon–Sat, 9
AM–6 PM). If unresolved within 30 days, escalate to the RBI Sachet Portal at sachet.rbi.org.in.
Is Sankalp Capital regulated by the RBI?
Yes. Sankalp Capital Private Limited holds RBI Certificate of Registration
B-10.00221 and is classified as a Base Layer NBFC under RBI's Scale-Based Regulation framework.
An RBI-registered NBFC committed to responsible personal finance since 2011, headquartered in Kota, Rajasthan.
Company
Sankalp Capital Pvt. Ltd.
CIN Number
U65993RJ2011PTC037081
RBI License
B-10.00221 · Base Layer
Our Story
Building Trust in Personal Finance
Sankalp Capital
Private Limited was incorporated in 2011 and has grown into a trusted RBI-regulated NBFC based in Kota,
Rajasthan. Our mission is to provide accessible, fair, and transparent personal financial services to
individuals across India.
As a Base Layer
NBFC under RBI's scale-based regulation framework, we operate with the highest standards of corporate
governance, compliance, and customer-centricity.
Through our technology-enabled LSP
UpCash, we deliver seamless, paperless, and instant loan products — all backed by Sankalp Capital's
RBI-licensed balance sheet.
Sankalp — A Promise
"Sankalp" means a solemn resolve. Our name reflects our unwavering commitment to serving our customers
and society with integrity, transparency, and purpose.
Founded 2011Kota,
RajasthanRBI Compliant
Vision & Mission
What We Stand For
Our Vision
To be the most trusted and accessible NBFC in India — democratising personal credit for every working
Indian through responsible, technology-driven lending and the highest standards of regulatory
compliance.
Our Mission
To provide transparent, instant, and collateral-free financial solutions that empower individuals and
families — backed by fair practices, ethical governance, and genuine commitment to customer wellbeing.
Core Values
What Guides Us Every Day
Integrity
Complete transparency in pricing, terms, and conduct. No hidden charges, no misleading communications.
Responsibility
We lend responsibly — always assessing the customer's repayment capacity before extending credit.
Innovation
We leverage technology to make personal credit faster, more accessible, and more convenient.
Customer First
Every policy, process, and product is designed with the customer's best interest at its core.
Compliance
We follow the letter and spirit of all RBI guidelines and regulations governing NBFCs in India.
Sustainability
We build for the long term — growing sustainably while fulfilling obligations to all stakeholders.
All loans are subject to credit assessment, KYC verification, and applicable RBI guidelines. Interest
rates, processing fees, and charges are disclosed upfront in the Key Facts Statement (KFS)
as mandated by RBI. Sankalp Capital adheres to the RBI Fair Practices Code for NBFCs.
For the latest versions, write to nodal@sankalpcap.com. All policies comply with the RBI
Master Direction – NBFC Scale Based Regulation Directions and subsequent amendments.
We are committed to addressing every customer concern promptly, fairly, and transparently.
How to Complain
Grievance Redressal Process
Every grievance will be acknowledged within 24 hours and resolved within 30 days of
receipt.
1
Contact Us Directly
Write to our GRO at nodal@sankalpcap.com or call 9910272387 (Mon–Sat,
9 AM–6 PM). We acknowledge all complaints within 24 hours.
2
Await Resolution
Our team investigates and resolves your complaint within 30 days. You will receive regular status
updates throughout the process.
3
Escalate to RBI if Needed
If unresolved within 30 days or resolution is unsatisfactory, escalate to the RBI Sachet
Portal at sachet.rbi.org.in or the RBI Ombudsman for NBFCs.
NC
Nitin Chittora
Grievance Redressal Officer · Compliance Officer
Email
nodal@sankalpcap.com
Phone
9910272387
Address
112B, Shakti Nagar, Kota – 324009, Rajasthan
Working Hours
Monday to Saturday · 9:00 AM to 6:00 PM
RBI Sachet Portal
If your grievance is unresolved within 30 days, or you are unsatisfied with the resolution, lodge a
complaint with the RBI through the Sachet portal — the integrated platform for NBFC-related complaints.
