Last updated: 13 July 2026
Payledger is a technology platform and lending service provider ("LSP") operated by Opticap Holding India Private Limited. Credit facilities accessed through Payledger are sanctioned, disbursed, and owned by Nipun Projects and Finance Private Limited, a non-banking financial company regulated by the Reserve Bank of India ("RBI"). This page summarises the disclosures required of a digital lending platform under the RBI (Digital Lending) Directions, 2025. The Lender's complete, authoritative set of regulatory filings, policies, and disclosures is maintained at optimocapital.in/opticap-policy — this page should be read together with that source.
Full regulatory disclosures & filings
For the complete, current set of NBFC filings, board-approved policies, and public disclosures, visit optimocapital.in/opticap-policy →
| Entity | Opticap Holding India Private Limited |
|---|---|
| Role | Lending service provider (LSP); owns and operates the Payledger platform |
| CIN | U70200DL2023PTC418996 |
| Registered office | 223, F.I.E., Patparganj Industrial Area, New Delhi, Delhi – 110092 |
| Corporate office | #448, 3rd Floor, 17th Cross Road, Sector 4, HSR Layout, Bengaluru, Karnataka – 560102 |
| Entity | Nipun Projects and Finance Private Limited (brand: Optimo Capital) |
|---|---|
| Role | Regulated entity (RE) / Lender — sanctions, disburses, and owns all credit facilities |
| CIN | U74899DL1993PTC054883 |
| RBI Certificate of Registration | B-14.01-787 |
| Registered office | Office No 58, First Floor, Bhagat Singh Market, Connaught Place, Central Delhi, New Delhi – 110001 |
| Corporate office | #448, 3rd Floor, 17th Cross Road, Sector 4, HSR Layout, Bengaluru, Karnataka – 560102 |
| Website | optimocapital.in |
| info@optimoloan.com | |
| Phone | +91-7996 796 796 |
Pursuant to RBI guidelines, the Lender maintains a three-level Grievance Redressal Mechanism (GRM). Complaints relating to a credit facility should be routed as follows:
Approach the branch manager where you availed the service, or write to:
| Contact | Mr. Vishal Laxmeshwar, Customer Service Department |
| customercare@optimoloan.com | |
| Phone | 7996-796-796 |
| Address | Corporate Office, 3rd Floor, #448, 17th Cross Road, Sector 4, HSR Layout, Bengaluru, Karnataka – 560102 |
If you do not receive a response within 20 days, or are unsatisfied with the Level 1 response, escalate to:
| Contact | Mr. Shreenivas Hegde, Grievance Redressal Officer |
| grievance@optimoloan.com | |
| Phone | +91 99641 64700 |
If you do not receive a response within 20 days of escalation, or remain unsatisfied, you may approach the RBI Ombudsman:
| Centre | Address & contact |
|---|---|
| New Delhi | C/o Reserve Bank of India, 06, Sansad Marg, New Delhi. Tel: 011-23313359 |
| Bengaluru | C/o Reserve Bank of India, 10/3/8, Nrupathunga Road, Bengaluru – 560001. Tel: 080-22277660 / 22180221 |
| Chennai | C/o Reserve Bank of India, Fort Glacis, Chennai – 600001. Tel: 044-25395964, Fax: 044-25395488 |
Email: PrincipalNodalOfficer-IOS21@optimoloan.com
The Lender does not discriminate in extending products and facilities, including loan facilities, to physically or visually challenged applicants on grounds of disability, in compliance with the Master Direction – Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023.
The following board-approved policies and statutory filings are published by the Lender and kept current at optimocapital.in/nipun-policy and optimocapital.in/opticap-policy:
For the complete, always-current list of filings (including quarterly liquidity risk disclosures and prior-year annual returns), refer to optimocapital.in/opticap-policy directly, as this list may not reflect documents published after the "Last updated" date above.