United Petro Finance (UPF) Limited is a Non-Deposit Taking Non Banking Financing Company (ND-NBFC) registered with the RBI. KapitalTech is the trade name of UPF Limited.UPF Limited is a leading start-up in the alternate lending space with current focus on the MSME sector in Secured and Unsecured Space.
It is a tech lender which underwrites loans using its statistical modeling and machine learning based analytics engine - Dexter which is powered by a proprietary algorithm encompassing 2,500 data points. This has enabled loan decisions within 3 minutes and Disbursal within 3 – 5 days.
The Company is now present in 24 cities and expanding to more than 200 locations in India. The Company is also looking to expand its Horizons Overseas. Four additional products were launched in 2017 with additional entry into the Secured Lending space
In the year 2016 Company was backed by Fortune Financial Services (India) Limited with a long term commitment of debt and equity. The Company scaled operations to 7 cities as well as introduced its proprietary underwriting algorithm DEXTER.
In January 2015, Company began operations by introducing a unique Direct and Daily Debit unsecured loan product for the MSME space. The company was present in just one city. Company has pioneered the Daily Debit product in India.
UPF’s core loan product is called Direct Debit – a short term unsecured business loan given to Small Medium Enterprises (MSMEs) to further their businesses.
Dexter, our proprietary statistical modeling and machine learning-based analytics engine, forms the core of the company’s credit underwriting model. The company has launched additional 4 products across Secured Lending and Unsecured Lending Segments
To build and scale up a risk-return balanced portfolio of high quality loan assets in the MSME segment.
To be among the top technology driven Financial Institutions in India that provide innovative first-mover financing solutions to the MSME segment.
Vivek has over 8 years of experience in the Financial Services sector and has previously worked with Deloitte Touche Tohmatsu and Edelweiss Capital in their Investment Banking divisions.
Shaily is an entrepreneur with a family business background in the Healthcare space and has previously conceptualized a Pay-day Loan model for an organized billion dollar industrial group.
Aseem has 20 years of experience in Retail Finance in various NBFCs, banks and has previously worked with Tata Capital as Head Credit for Personal Loan, Business Loan and Loan Against Property for 9 years.
Lalit has over 12 years of experience in the field of Statistics & Analytics and has previously worked with Samsung Electronics (Seoul Office), Unilever and ITC Limited in their analytics divisions.
Harshal has over 6 years of experience in the field of Data Science and has previously worked in North America with TeraCrunch, Abzooba and Knoesis.
Vinay has over 11 years of experience in strategic planning, productivity monitoring, performance management, applying lean six sigma concepts and has also worked Edelweiss Financial and Price Waterhouse Cooper for their Investment Banking division.
Usham has 19 years of work experience in diversified fields like finance, insurance & petroleum with majority in Retail Finance and has previously worked with Tata Capital for 10 years.
Nishant has 13 years of experience in consumer durable, equity, mutual funds, insurance, personal loans, business loans and has worked with Titan, Essilor, ICICI, Barclays, HDB and Neo Growth.
Kirti has over 14 years of experience in credit and risk in retail loans and has previously worked with Citicorp Finance, Citi Family Credit, ICICI Bank in their credit and risk divisions.
Mr. Gurudutt Rao
Grievance Redressal Officer
Customer Grievance Redressal Unit
United Petro Finance (UPF) Limited
20th - Floor, A Wing, Naman Midtown,
Elphinstone Road (W)
Mumbai - 400 013
+91 22 66214868
IInd Floor, N.P. Tower,
Guruvayoor Road, West Fort,
Thrissur 680 004
CIN : U65923KL1996PLC010426
RBI NBFC Regn.No. B-16.00109 dated 17th August,2000