RBI Registered NBFC · Base Layer · Est. 2011

Your Financial Goals, Funded Instantly

Sankalp Capital is an RBI-registered NBFC delivering fast, transparent, and collateral-free personal finance solutions across India through our digital platform UpCash.

Simple Process

Get Your Personal Loan in 3 Steps

A fully digital, paperless process through UpCash — from application to disbursal,
entirely on your phone.

Submit Your Application

Enter your mobile number and complete a quick KYC on UpCash. Takes under 5 minutes from your smartphone — no branch visit needed.

Instant Credit Decision

Automated credit assessment reviews your application in real time. Get an approval decision within minutes — fully paperless.

Money in Your Account

Approved funds are credited directly to your bank account. No delays, no extra steps — your money when you need it most.

Our Products

Personal Finance for Every Need

Whether it’s an emergency, a healthcare expense, or a planned
goal — we have the right product for you.
Most Popular

Personal Loan

Instant, collateral-free personal loans for salaried and self-employed individuals. Funds for any need – travel, education, home, or emergency.

  • 100% paperless digital process
  • Approval in minutes
  • Flexible repayment tenure
  • KFS provided upfront — no hidden charges
Apply Now

Medical Loan

Financial constraints should never delay healthcare. Our medical loans cover hospitalisation, surgery, diagnostics, and emergency care.

  • Emergency disbursal
  • Simple EMI repayment
  • Minimal documentation
Apply Now

Co-Lending

Under RBI’s Co-Lending Model, Sankalp Capital partners with banks to jointly originate and fund priority sector loans at competitive rates.

  • RBI Co-Lending Model 2020
  • Priority sector lending
  • Competitive interest rates
Partner With Us
Eligibility

Who Can Apply?

Our personal loans are designed for most working adults across India.
Check the quick criteria and get started today.

Age 21 years or above

Aadhaar-linked mobile

Indian resident citizen

Valid PAN & Aadhaar card

Regular source of income

Active bank account

Our LSP Partner

Lending Service Provider

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.

UpCash

Official Lending Service Provider

upcash.in
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.

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.

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.

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.

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.

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.