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United petro finance limited

About the Business

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.

Our Timeline

Our Products & Services


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

Our Values & Philosophy

Our Mission

To build and scale up a risk-return balanced portfolio of high quality loan assets in the MSME segment.

Our Vision

To be among the top technology driven Financial Institutions in India that provide innovative first-mover financing solutions to the MSME segment.

Management Team

Vivek Raghavan

Position: Co-founder

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 Maheshwari

Position: Co-founder

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 Gautam

Position: Risk Head

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 Singh

Position: Chief Technology Officer, Analytics

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 Patni

Position: Technology Advisor, Engineering

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 Chintapalli

Position: Business Head Inventory and Receivable Financing

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 Kumar

Position: Technology Advisor, Engineering

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 Nishi

Position: National Sales Head (Small Business Loans)

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 Vyas

Position: National Process Head

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.

Contact the Business

Mr. Vikram Kadam

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



Registered Office Address

Naman Midtown, "A" Wing,
21st Floor, Unit No 2103,
Senapati Bapat Marg, Prabhadevi,
Mumbai - 400 013

CIN : U65923MH1996PLC310611

RBI NBFC Regn.No. B-16.00109 dated 17th August,2000