Nomura Capital (India) Private Limited ("NCIPL") was incorporated on 4 August 2009, to conduct the following business activities:

It received its registration as a Non-banking Finance Company from the Reserve Bank of India on 28 April 2010. This registration permits it to undertake fund based activities, primarily lending and borrowing. It assists corporate clients in raising funds through the issuance of debentures, bonds, and/or commercial paper and may also act as an arranger for some of such issuances. It also invests and trades in rated debt securities such as corporate bonds, debentures, Certificate of Deposits and Commercial Paper.

Ceejay House, 11th Level, Plot F, Shivsagar Estate, Dr. Annie Besant Road, Worli, Mumbai 400 018.

+91 22 4037 4037

+91 22 4037 4111

N-13.01968

(NCIPL has a valid certificate of registration dated 28th April, 2010 issued by Reserve Bank of India (RBI) under Section 45 IA of the Reserve Bank of India Act, 1934. However, RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of NCIPL or for the correctness of any of the statements or representations made or opinions expressed by NCIPL and for repayment of deposits/ discharge of liabilities by NCIPL.)

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Following are the details of our Grievance Redressal Officer who can be approached by the customers for resolution of complaints against the Company. The grievance redressal mechanism of NCIPL will also deal with the issue relating to services provided by the outsourced agency.

Mr. Ravi Sureka
Executive Director – Head of Compliance

Direct: +91 22 403 74030
Board: + 91 22 4037 4037
Fax: +91 22 4037 4111
Mobile: +9186570 06255
Email id: ravi.sureka@nomura.com

Please also note the contact details of the Officer-in-Charge of the Regional Office of Department of Non-Banking Supervision, Reserve Bank of India, who the customers may appeal to, if the complaint/ dispute is not redressed within a period of one (1) month.

Officer-in-Charge
Reserve Bank of India
Department of Non-Banking Supervision,
Mumbai Regional Office
3^rd Floor, Reserve Bank of India
Opp. Mumbai Central Railway Station
Byculla, Mumbai - 400 008

Tel: 022-2308 4121/2302 8436
Fax: 022-2302 2011

The Reserve Bank - Integrated Ombudsman Scheme, 2021 (the Scheme) was launched on Nov 12, 2021. The Scheme adopts ‘One Nation One Ombudsman’ approach by making the RBI Ombudsman mechanism jurisdiction neutral. The Executive Director-in charge of Consumer Education and Protection Department of RBI would be the Appellate Authority under the Scheme.

NCIPL has a minimum base rate below which it will not lend to it's borrower's and the minimum rate will be based on the company's expectations on return on capital, cost of funds etc. This will be periodically reviewed and communicated to the borrowers, here, in this website. Presently, the minimum base rate for the company shall be 9.50% p.a. (payable quarterly) However, the actual rates chargeable to the borrowers shall depend upon the borrower's internal credit ratings or gradations determined based on creditworthiness of the borrowers from financial statements, annual reports, external rating reports, research reports, industry reports, media reports and any other information. Further, credit ratings are determined by not only creditworthiness of the borrowers but also credit conditions such as collateral, guarantee, tenor, senior and subordinated structure or other contract terms.

In case of primary loans, the Loan agreement shall specify levy of penal charges of 2.00% per annum in case of non-compliance with its terms and conditions unless approved by Credit Committee or Risk Management and Investment Committee (RMIC) as per below.

NCIPL may charge a different penal charges rate depending upon the internal credit rating of the borrower, collateral, tenure, structure etc. Any deviation to the above rate of penal charges shall be approved by Credit Committee or Risk Management and Investment Committee (RMIC) as applicable.

The prospective clients & borrowers are requested to understand the terms and conditions fully and if necessary, seek further clarifications from the dealing officers.

In the current times when we are more digitally connected than ever before, it is imperative that we take cyber hygiene practices seriously. Below are some key areas of cyber-hygiene that one should be aware of.

Protect yourself against phishing/smshing:

Phishing is still the most preferred tool of cyber criminals to break into systems. They send emails containing malicious links or attachment hoping you click on them.

• Verify sender address - Don't just look at the display name, verify the email address and domain before clicking. Scammers are extremely crafty with look-alike emails and domains.
• Links or attachments - Be extremely cautious of emails containing links or attachments. Clicking on these can allow hackers access to your systems.

Smshing (SMS phishing) is a fraud tactic that uses text messages to lure unsuspecting victims into clicking fraudulent links and downloading malicious content on their mobile phones. This can also be used to perpetrate fraudulent activities (e.g. frauds to update KYC/Aadhar details)

Passwords:

Strong passwords are your first line of defence again scamsters. Ensure your passwords are long, complex and unique for each of your critical applications. Remember, being cyber aware helps you to be safe and secure online.

Watch your digital footprint:

Be mindful of what you share (social media, forums, etc.) and the information available about you online.

"The content available on this website is only for your information and does not purport to be comprehensive. We shall endeavor to keep the information on the website updated, however, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related material contained on the website for any purpose. Nothing on this website constitutes or forms part of any advice, recommendation, any offer to sell or the solicitation of any offer to buy any securities, or a commitment to enter into a transaction of any kind. Your reliance on this website shall be at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website."