Is Capnix legit?

Who runs Capnix

Capnix is a product owned and operated by Webority Technologies Private Limited (CIN: U72900HR2019PTC079747), a company incorporated in India. Our office is at 629, Vipul Trade Centre, Sector-48, Gurugram, Haryana 122018, India.

You can look the company up by its CIN on the Ministry of Corporate Affairs website, mca.gov.in (opens in a new tab).

What Capnix does, and what it does not do

Capnix runs your loan journey. We analyse your business, prepare your file, match you to suitable lenders on our lender panel, build and submit your lender application, and manage it through to disbursal, which is the day the lender pays the loan out.

Capnix is not a lender. We do not lend money. We do not set or control loan products, interest rates, eligibility or approvals. The lender decides all of those. We do not hold or disburse loan funds, and we do not collect repayments. We do not guarantee any loan, approval, amount, rate or disbursal.

Where a lender on our panel is a bank or NBFC (non-banking finance company) regulated by the Reserve Bank of India, Capnix acts as a Lending Service Provider engaged by that lender. We are paid by the lender and not by you. Our Terms of Service set this out in clause 04.

How Capnix is paid

Getting a loan through Capnix costs you nothing. We do not charge you a joining fee, a file charge, or any share of your loan for preparing, submitting or managing your application. Our lenders pay us when a loan is disbursed.

Separately, Capnix offers an optional paid subscription for improvement plans. It is never required in order to apply for or receive a loan through Capnix. The price, the billing period and whether it renews automatically are shown to you before you pay. Why Capnix is free explains the full picture.

How your data is handled

Nothing about your loan requirement is shared with a lender or a Lender Partner until you approve it, and you can withdraw that approval in your Capnix account. We do not sell, rent or lease your personal data to anyone. Our Privacy Policy lists the service providers that handle your data, including some that process it outside India. Our data storage policy restates those parts in one place.

How to check us yourself

1. Look up CIN U72900HR2019PTC079747 on mca.gov.in (opens in a new tab) and check that the company name matches Webority Technologies Private Limited.
2. Check that the address in your browser is capnix.ai.
3. Check a lender on RBI Sachet (opens in a new tab), the Reserve Bank's portal for checking an entity and reporting unauthorised activity.
4. Read how we are paid, in our Terms of Service (clause 08) and on Why Capnix is free.

Capnix is not CapnixAI

Capnix (capnix.ai) is not connected with "CapnixAI" or with any trading or investment platform. Capnix is a business loan service. It does not provide financial, investment, legal or tax advice. If a website or message uses a similar name and asks you to trade, invest or deposit money, it is not us.

Stay safe

Getting a loan through Capnix has no joining fee, no file charge and no share of your loan. If anyone asks you for one in the name of Capnix, do not pay it, and write to us at contact@capnix.ai.

Raise a complaint

If something has gone wrong, write to our Grievance Officer, Navneet Singh, at contact@capnix.ai, or call +91 95990 06518. Grievance redressal explains what happens next and how to take a complaint further.