Download IndiaBonds App
Search
<
NJ Capital Private Limited
NJ Capital Private Limited (NJCPL), a Reserve Bank of India (RBI) registered NBFC, is a part of NJ Group. It is held by NJ Financial Services Private Limited (~98% stake), which is closely held by NJ Group’s promoters. NJ Capital actively commenced lending operations in 2019. It offers retail LAMF in the form of term loans with a monthly repayment structure.
Sector Focus
Finance (NBFC)
Highest Credit Rating
AA- Stable by ICRA
Listing (Debt)
BSE
Date of NBFC License by RBI
2019
Business & Products
Loans against securities – Term & Consumer
Promoter
Mr. Neeraj Choksi
Mr. Jignesh Desai
Key Management Personnel
Mr. Neeraj Choksi
Director, Co-founder & promoter
Mr. Jaideep Pantvaidya
Director & CEO
Mr. Chaitanya Chunduri
Director & CFO
Bonds issued by NJ Capital Private Limited
Financial Performance
| Particulars | H1 FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 272.24 | 230.95 | 158.65 |
| REVENUE | 57.4 | 81.1 | 38.4 |
| PAT | 15.03 | 21.3 | 8.2 |
| CRAR% | 24 | 23.5 | 31.2 |
| GEARING (times) | 2.3 | 2.3 | 1.5 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| ICRA | AA- | Stable | as on 27th November, 2025 |
Top Lenders to NJ Capital Private Limited
Kotak Mahindra Bank
Axis Bank
ICICI Bank
HDFC Bank
Bank of Baroda
State Bank of India
Aditya Birla Capital
Strength
Part of strong promoter group
Synergies with Group’s distribution franchise
Comfortable capitalisation with track record of profitable operations since inception
Weakness
Modest scale of operations with limited track record
Exposure to market and credit risks; high dependence on technology
Important Links
Source:
Investor Presentation, Information Memorandum & Rating Rationale of NJ Capital Private Limited
Follow Us
India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
© 2020-2022 India Bond Pvt Ltd.
Caution : Beware of fraudsters and impersonators misusing the name of IndiaBonds. Always verify communications and transactions through our official website www.indiabonds.com and mobile application only. Click here for Advisory and Safety Tips.