What does Aurum Capital Projects Limited do?

Aurum Capital Projects Limited is an RBI-registered Non-Banking Financial Company (NBFC) headquartered in Lucknow, Uttar Pradesh. It is engaged in lending and investment activities, catering to borrowers in the Uttar Pradesh region. The company was earlier known by a different name and was rechristened Aurum Capital Projects Limited on 11th March 2016.

Is Aurum Capital Projects Limited regulated by RBI?

Yes, Aurum Capital Projects Limited is a registered NBFC with the Reserve Bank of India, which authorises it to conduct lending and investment activities. However, it is not a deposit-taking NBFC, meaning it cannot accept public deposits.

When was Aurum Capital Projects Limited incorporated?

The company was incorporated in 1992 in Uttar Pradesh, as confirmed by its CIN L67120UP1992PLC014607.

What was the previous name of Aurum Capital Projects Limited?

The company changed its name to Aurum Capital Projects Limited on 11th March 2016. The previous name is not publicly disclosed in available records.

What is the unlisted share price of Aurum Capital Projects Limited?

The indicative unlisted market price is approximately ₹9.7 per share. This very low price may reflect the company's financial position or low trading activity in the unlisted market.

Is Aurum Capital Projects Limited planning an IPO?

There is no publicly known IPO plan for Aurum Capital Projects Limited as of 2025.

Where is Aurum Capital Projects Limited headquartered?

The company is headquartered in Lucknow, Uttar Pradesh, and operates primarily in the Uttar Pradesh market.

How do I buy Aurum Capital unlisted shares here?

Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.

Who am I actually transacting with?

You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.

How do I pay, and is there a payment gateway?

Payment is by direct bank transfer to Prospire Network Private Limited's published account (CIN U82300UP2025PTC233622), shown to you in-app at the payment step. There is no card gateway and no escrow. Never pay to a personal account or to any account shared over phone, WhatsApp or email — even if the person claims to be from our team.

How long does settlement take?

After you accept an allocation, you have a short window to pay (typically 2 days). Once payment is verified, shares are usually credited to your demat within 2–3 business days, subject to depository timelines and any company-level restrictions. Timeframes are typical, not guaranteed.

There are no separate platform fee lines and no GST on the transfer — the desk's margin is built into the buy/sell price you're quoted. The only statutory add-on on a purchase is stamp duty on the consideration, shown transparently in your cost breakdown.

Is there a minimum ticket size for Aurum Capital?

Minimums vary by company and depend on the lot the desk can source. Raise an enquiry and the desk will confirm the available quantity and the minimum for that name.

What KYC do I need, and do I need a demat account?

You'll share your demat details when you enquire so we can settle directly. Full KYC — PAN and a client-master / demat statement — is required before the transfer step, when shares actually change hands. Yes, you need an active demat account to hold unlisted shares.

Are there lock-ins on unlisted or pre-IPO shares?

Some shares carry statutory or company-imposed lock-ins — for example, a post-listing lock-in on pre-IPO stock — and transfers can be subject to the company's articles or approvals. Where a lock-in applies, we'll flag it before you commit.

How do I sell Aurum Capital shares I already hold?

Raise a sell enquiry with the company, quantity and your target price. The desk confirms a buying price, you transfer your shares into the desk's demat, and once the credit is verified we pay you out by bank transfer to your registered account. The desk never pays out before your shares are received.

Unlisted shares are illiquid, may be hard or impossible to sell, and are not covered by exchange settlement guarantees or investor-protection funds. Pricing is indicative, not live. Read the full Risk Disclosure before you enquire, and invest only what you can afford to lock away.

Aurum Capital Unlisted Share Price | Buy Aurum Capital Pre-IPO Shares — wisefolio

Investment Thesis

Aurum Capital Projects Limited is a small RBI-registered NBFC with a long operating history in Uttar Pradesh. The very low unlisted share price and limited public information make this a high-risk investment. While the Uttar Pradesh lending market offers long-term potential, investors should seek updated financial disclosures before considering exposure.

Pros

ISIN INE050F01016 confirmed; RBI-registered Non-Banking Financial Company (NBFC) — regulatory legitimacy.
Listed on MSEI (L-prefix CIN: L67120UP1992PLC014607); active website at aurumcapitalprojects.com.
Diversified NBFC services: term loans, loan against property/shares, project appraisal, credit syndication.
Lucknow, UP location — access to UP's large MSME and real estate ecosystem for NBFC lending.

Cons

Revenue grew only 1.51% in FY23 — flat growth for a 30+ year old NBFC; scaling challenge.
Authorized capital Rs.10 Cr; paid-up Rs.3.21 Cr — small capital base limits loan book expansion.
NBFC sector faces RBI-mandated minimum capital requirements and increasing regulatory scrutiny.
Lucknow-based regional NBFC with limited national reach; competes with large-scale lenders.

Business Segments

NBFC Lending

Term loans, loan against property and shares; RBI-registered non-deposit taking NBFC.

Investment & Project Finance

Trading and investment in shares/securities; project appraisal and credit syndication services.

Revenue Model

Aurum Capital Projects Limited generates income primarily from interest on loans disbursed to borrowers in the Uttar Pradesh region and returns on its investment portfolio. As a non-deposit-taking NBFC, the company funds its loan book through equity and borrowed funds from banks or other financial institutions.

Detailed Analysis

Growth outlookExpansion plans, industry tailwinds & headwinds9

Growth Plans

Uttar Pradesh's large underbanked population offering significant lending opportunity

Government schemes for MSME and rural lending creating co-lending opportunities

Digital lending infrastructure improvements lowering customer acquisition costs

Industry Tailwinds

Uttar Pradesh's large underbanked population offering significant lending opportunity

Recent Developments

Company Renamed to Aurum Capital Projects Limited

The company changed its name to Aurum Capital Projects Limited on 11th March 2016 as part of a strategic rebranding and repositioning initiative.

2016-03

Continued NBFC Operations in Uttar Pradesh

The company continues to operate as an RBI-registered NBFC, providing lending and investment services in the Uttar Pradesh market.

Comparable Companies

CompanyTypeTickerMkt Cap

Muthoot Finance LimitedPE: ~18xxListedMUTHOOTFIN~₹85,000 Cr

Manappuram Finance LimitedPE: ~8xxListedMANAPPURAM~₹15,000 Cr

Arman Financial Services LimitedListedARMANFIN~₹1,200 Cr

Muthoot Finance LimitedListed

Frequently Asked Questions

About Aurum Capital

Aurum Capital Projects Limited is a Lucknow-based RBI-registered Non-Banking Financial Company (NBFC) offering a range of financial products and services to retail and corporate borrowers. Originally incorporated as Viraj Credit Capital Limited, the company was renamed Aurum Capital Projects Limited following a fresh Certificate of Incorporation issued by the Registrar of Companies, Uttar Pradesh, on 11 March 2016. The company's CIN is L67120UP1992PLC014607, and it is registered at the YMCA Complex, Rana Pratap Marg, Lucknow. Aurum Capital Projects serves both individual and corporate clients through a diversified lending and investment portfolio. The company offers personal and corporate term loans, loans against property and shares, and investment services in equity and debt markets. Additionally, it provides project appraisal services and credit syndication — helping businesses structure and raise debt capital through institutional channels. This breadth of offerings positions Aurum as a one-stop financial intermediary for businesses and individuals in Uttar Pradesh and nearby regions. The company was established with a focus on serving credit needs in Uttar Pradesh, one of India's most populous states and a large market for financial services. NBFCs like Aurum Capital play a critical role in extending credit to segments underserved by commercial banks — particularly for collateral-backed loans against property and shares, and for project finance in real estate and infrastructure sectors. The company's RBI registration as an NBFC provides regulatory oversight and lends credibility to its operations. Directors include Rajiv Agarwal, Bajrang Bahadur Pandey, Ravi Shankar Malviya, Ritika Gupta, and Sanjay Kumar Bhutani. The company's activity under NIC code classification for "security dealing activities" reflects its investment and lending orientation. Aurum Capital's geographic focus on Uttar Pradesh gives it a strategic presence in a state where NBFC penetration is actively promoted by RBI's financial inclusion priorities.

Key Milestones

Common questions about unlisted shares

How do I buy Aurum Capital unlisted shares here?
Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.
Who am I actually transacting with?
You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.
How do I pay, and is there a payment gateway?

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