Effective Date: 16 February 2026
Ujjwal Capital (CIN: U65920PB1981PTC004719) (“Company”, “we”, “our”, or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit https://ujjwalcapital.co/
or apply for our loan and financial services.
1. Information We Collect
We may collect the following personal information:
• Full name
• Phone number
• Email address
• Residential address
• Date of birth
• PAN/Aadhaar (as applicable)
• Employment and income details
• Bank account details (if required for loan processing)
• Any documents submitted for loan assessment
2. How We Use Your Information
Your information is used for:
• Processing and evaluating loan applications
• Identity verification and eligibility checks
• Credit assessment and risk evaluation
• Communicating updates regarding your application
• Complying with legal and regulatory requirements
• Customer support and grievance handling
We do not sell or trade personal information to third parties.
3. Sharing of Information
We may share your information with:
• Banks, NBFCs, or lending partners for loan processing
• Credit bureaus and verification agencies
• Regulatory or government authorities when required by law
• Service providers supporting operational processes
All shared information is handled with appropriate confidentiality and data protection measures.
4. Data Security
Ujjwal Capital implements reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, misuse, or disclosure. While we take appropriate security measures, no method of transmission over the internet is completely secure.
5. Data Retention
We retain personal information only for as long as necessary to:
• Fulfill the purposes outlined in this policy
• Meet legal and regulatory obligations
• Resolve disputes or enforce agreements
6. Your Rights
Subject to applicable Indian laws, you may:
• Request access to your personal information
• Request correction of inaccurate information
• Withdraw consent where applicable
• Request clarification on data usage
To exercise your rights, contact us at help@ujjwalcapital.co
7. Regulatory Compliance
Ujjwal Capital operates in accordance with applicable Indian laws and financial regulations. Loan approvals are subject to eligibility criteria, credit evaluation, and applicable terms and conditions.
8. Contact Information
For any questions regarding this Privacy Policy or your personal data, you may contact:
Ujjwal Capital
Address: The Axis, First Floor, Plot No. 1, R.B. Badri Dass Colony, G.T. Road, Jalandhar – 144001, Punjab, India
Phone: 18001212726
Email: help@ujjwalcapital.co
CIN: U65920PB1981PTC004719
You may also reach us through our Contact Us page:
https://ujjwalcapital.co/contact-us
9. Updates to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.