How Western Capital Advisors Is Empowering Semi-Urban India With Secured Lending
Introduction to Western Capital Advisors Pvt. Ltd.
Western Capital Advisors Pvt. Ltd. (“Western Capital”) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). Headquartered in Maharashtra, the Company was established in 2018 with the vision of providing secured and structured credit solutions to individuals as well as businesses. In just a few years, it has built a strong reputation for its customer-first approach and disciplined lending practices.
The Company offers a diversified loan portfolio that includes Financial Institution loans, Loan Against Property (LAP), Business loans, and Education loans. Western Capital is promoted by the Kejriwal Group—one of India’s top three poly yarn manufacturers, with a turnover of more than INR 2,000 crore. Backed by the group’s financial strength and industry credibility, Western Capital has been able to scale its operations steadily while ensuring stability, reliability, and growth opportunities for its borrowers.
Board Of Directors Of Western Capital Advisors Pvt. Ltd.
Here’s a list of the Board of Directors of Western Capital Advisors Pvt. Ltd., along with their designations:
- Anil Kumar Kejriwal — Founder & Chief Executive Officer (CEO)
- Nilesh Baburao Ghuge — Directors / Key Managerial Personnel
- Praveen Kumar Anand — Independent Director
- Indra Lal Kejriwal — Director
- Vinod Kumar Kathuria — Independent Director
- Jaya Kejriwal — Director
- Prithpal Singh Bhatia — Non-Executive Director
Products Offered By Western Capital Advisors Pvt. Ltd.
Western Capital Advisors has built a well-diversified loan portfolio that meets the needs of individuals, small businesses, and institutions. All of its loans are secured, which means borrowers pledge collateral, helping the company maintain strong asset quality while offering competitive interest rates. Here’s a detailed look at the products:
1. Financial Institution Loans
Western Capital provides credit to other financial institutions such as NBFCs, microfinance companies, and housing finance companies. These loans help institutions strengthen their lending capacity and expand credit to underserved markets. By funding other lenders, Western Capital indirectly supports thousands of end-borrowers, creating a multiplier effect in financial inclusion.
2. Loan Against Property (LAP)
Loan Against Property is one of the most popular products offered by Western Capital. It allows borrowers to unlock the value of their residential or commercial property by pledging it as collateral. These loans are flexible and can be used for business expansion, working capital, debt consolidation, or personal requirements. With structured repayment terms and secured lending, LAP ensures lower risk for the company while giving borrowers access to large-ticket financing.
3. Business Loans
Western Capital offers secured business loans to small and medium enterprises (SMEs). These loans are designed to meet a variety of needs such as purchasing machinery, funding operations, or supporting expansion plans. By giving timely access to credit, Western Capital enables entrepreneurs to grow their businesses, generate employment, and contribute to regional economic growth.
4. Education Loans
Education loans form another important part of Western Capital’s portfolio. These loans help students pursue higher education by covering tuition fees, living expenses, and other costs. With education financing, the company supports families in investing in their children’s future, ensuring that financial barriers do not come in the way of academic opportunities.
Source: Western Capital Advisors Pvt. Ltd.1
Western Capital Advisors Pvt. Ltd. Customer Care
For any queries or support, Western Capital Advisors’ customer care team is here to help. You can reach them at +91 1800 26 81111 or email : contact@westerncap.in.
Empowering Semi-Urban India with Reliable Finance
Western Capital Advisors, a fast-growing NBFC in India, has established a strong presence in Maharashtra while expanding across semi-urban and urban borrower segments. By focusing on semi-urban lending solutions, the company bridges the gap left by traditional banks, offering transparent and accessible credit to individuals and businesses. Its simplified process and borrower-first approach make finance more inclusive for emerging towns.
With strong lender partnerships, a 33% YoY growth in AUM, and significant improvement in asset quality, Western Capital Advisors ensures both stability and scalability. By empowering semi-urban India with reliable finance, the company is enabling entrepreneurship, supporting local businesses, and contributing to long-term economic development.
Key Strengths Of Western Capital Advisors Pvt. Ltd.
1. Strong Geographical Presence
Western Capital has built a solid base in Maharashtra and is steadily reaching more borrowers in both semi-urban and urban areas. This gives the company access to a wide mix of customers and helps it expand its loan portfolio in a balanced way.
2. Consistent Business Growth
The company has been growing year after year. Its Assets Under Management (AUM) increased by 33%, rising from INR 536 crore in March 2024 to INR 709 crore in March 2025. This shows that Western Capital is attracting more customers and steadily increasing its lending book.
3. Better Asset Quality
Western Capital has made big improvements in reducing risky loans. Its Gross Non-Performing Assets (GNPA) fell sharply from 2.3% in March 2024 to just 0.3% in March 2025. This improvement was supported by the sale of stressed assets worth INR 16 crore to an Asset Reconstruction Company (ARC) in FY25.
4. Strong Capital Position
The company is financially well-prepared for future growth. Its Capital Adequacy Ratio (CAR) stood at 39.7% in March 2025—much higher than the RBI’s minimum requirement. It has also kept its debt-to-equity ratio below 1.9x for the last four years. Meanwhile, its net worth rose from INR 272 crore in March 2024 to INR 289 crore in March 2025, reflecting a stronger balance sheet.
5. Trusted Funding Partnerships
Western Capital has long-standing relationships with respected financial institutions such as InCred, Northern Arc, Kotak, MAS, IDFC, and Vivriti. These partnerships help the company secure funding at stable and competitive costs, ensuring smoother operations and growth during FY24 and FY25.
Financial Snapshot Western Capital Advisors Pvt. Ltd.
Source: Source: audited financials, credit rating reports
To arrange the capital, Western Capital Advisors Pvt. Ltd. also offers corporate bonds. These opportunities from the company are secured and are rated by credit rating agencies. On Grip Invest, investors invested in CREDIT ‘A-’ rated bonds of the company that offered fixed returns of up to 12.0%. To invest in similar, rated, regulated and secured fixed-income opportunities sign-up for Grip Invest today and start earning fixed returns:
References:
1. Western Capital Advisors Pvt. Ltd., accessed from: https://westerncap.in/#services
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