Digital lending based on data sciences, has caused a fundamental transformation in the experience of the retail borrower. NJ Capital Private Limited (NJC) marks the entry of NJ group into digital lending.

NJC. a registered Non Banking Finance Company (NBFC), operates the retail lending arm of the NJ Group. The company endeavours to fulfill the credit requirements of its clients by providing them innovative loan products at an affordable cost, thereby enabling the group to be a one stop shop providing for all their financial needs.

Relying on technology, NJC strives to turn lending into a quick, simple and hassle free process. The fully automated process leads to elimination of paperwork, physical movements (of either papers or clients), quick loan disbursals and smooth loan servicing .We endeavour to provide to the client a world class borrowing experience that is truly seamless, intuitive, convenient and user friendly.

The use of data analytics helps in profiling client risk and delivering the right loan product at an appropriate cost, thereby bringing substantial economic gains to them.


NJ Capital Private Limited has a strong lineage as a part of the NJ Group. NJ India Invest Private Limited (NJ), the flagship company of the group, was started in 1994 to cater to the growing needs in the financial services industry. NJ today is one of the leading distributors of investment products and providers of financial services in India.

The NJ group has a very strong understanding and domain expertise in financial investments space and portfolio management services accumulated over two decades of experience in the industry. NJ is amongst the largest distributors of mutual funds in India and has over Rs. 75,106 Crore + * of mutual fund assets under advice. NJ also has one of the largest network of financial products distributors in India, numbering over 37,074+ * engaged in distribution of financial products.

The NJ Group is also spreading its Real Estate business by undertaking projects in engagement with various stakeholders. NJ also provides training and development services under the brand of NJ Gurukul. NJ Gurukul is one of the largest trainers of AMFI - Mutual Funds certification and is also one of the selected Education Providers (EP) of the prestigious Certified Financial Planner (CFP) certification affiliated to FPSB India. NJ Insurance Brokers is a registered Insurance Broker with IRDA and offers insurance solutions to the clients. NJ Group recently also ventured into Information Technology business, offering clients with solutions that leverage upon the Group's strong IT expertise. The NJ group is currently present in over 95+ locations across 19 states in India and has over 1,475+ employees.

The NJ Group prides in being a professionally managed, quality focused and customer centric group. The NJ Group gives critical importance to internal processes and technology for providing convenience and value to clients. NJ places a lot of importance to research and has an in-house research team dedicated to mutual fund analysis and experience in portfolio management, something that we strongly leverage at NJAS. At the heart of the NJ Group is the vision for overall financial well-being of the customer. As part of the NJ Group, we share the same ethos, values and culture and all the initiatives undertaken and services being offered by us are in line with this vision, to which we are committed.

as on 06/03/2020*

Management Team

The Board of Directors provides the overall direction to manage the operations of the company. All the regulatory and operational policies, duly approved by the Board, serve as the guidelines to action for the operational team. A highly skilled, customer centric team with extensive experience in financial services duly supported by a strong technological backbone montinor the implementation of these policies and control the operations of the company.

Mr. Niraj Choksi

NJ Capital Private Limited
Educational Qualification : BBA, CFPCM
Work Experience : 25 years

Mr. Niraj Choksi is the co-founder & promoter of the NJ Group, a diversified business Group, head-quartered in Surat. NJ Group is primarily engaged in financial services industry having created the largest networks of financial products distributors in India. The group also has presence in businesses like Asset Management, Technology, Training, Real Estate and Interiors. As the visionary founder and MD of NJ Advisory Service Pvt Ltd., Mr. Niraj Choksi has been involved in providing guidance to and shaping the future of the NBFC business.

Mr. Chaitanya S. Chunduri
Nodal Officer

NJ Capital Private Limited
Educational Qualification : CA, Grad CWA, B.Com(Hons)
Work Experience : 20 years

Mr. Chaitanya S. Chunduri is a corporate finance professional with more than 20 years of experience in varied industries.He has worked in the areas of setting up investment pooling vehicles (Venture Capital Funds / Alternate Investment Funds),corporate acquisitions, liasioning with and reporting to regulatory authorities, project finance, financial modelling, tax planning, capital structuring and commercial evaluation of Investment opportunities.

Corporate Governance

The Company realises the importance of corporate governance and seeks to implement the best practices in each of its areas of operations. We strongly believe that we have an obligation or duty as a corporate entity to all our stakeholders; from customers, lenders, employees , business partners, government, regulatory authorities and the society at large. We aim to strike the right balance between minimising business risks while attempting to maximise business growth.

Corporate Governance at NJ is based on the following main principles:

  • Timely and strict compliance with all governing rules, regulations and guidelines.
  • Fair and equitable treatment of all its stakeholders including customers, lenders, employees, associates, & the wider community.
  • Building sound systems of risk management and internal controls.
  • Adopting a process driven, unbiased, risk managed, balanced loan sanctioning process.
  • Timely and balanced disclosure and communication of all material information to all stakeholders.
  • Transparency and accountability in all practices.
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