Not your typical FD alternative. Fixed guaranteed returns up to 36% per annum — with a written agreement, direct from Ahmedabad’s most transparent portfolio managers.
Premium portfolio management — structured, transparent, written agreement guaranteed.
Fixed rates from 16.8% to 36% p.a. — agreed on day one, locked for your full tenure, unaffected by market volatility.
Every investment backed by a written agreement on company letterhead — signed by the owner personally, delivered in 24 hours.
Cumulative plans grow and pay out at maturity. Non-Cumulative plans pay interest monthly — pick what fits your life.
A mandatory 9-month lock-in that protects both parties. After lock-in, exit anytime — capital returned within agreed terms.
Low minimum. High ceiling. Plans from ₹25,000 to ₹2,50,000+ — all with the same written agreement guarantee.
Founded and operated from Ahmedabad, Gujarat. MSME registered. Serving investors across India since 2023.
Capital Investment was founded in Ahmedabad in 2023 — built on a simple conviction: everyday investors deserve returns that were once reserved for the privileged few.
Our model is straightforward. Your investment is treated as a personal loan from you to the company owner — formalized in writing on company letterhead. A personal commitment, not just a digital agreement.
While the market pushes you toward volatile instruments, we offer something more valuable: certainty. Fixed rates. Written proof. A clear maturity date.
Capital Investment was founded in 2023 with one mission — to offer individuals fixed, guaranteed returns that institutional funds reserve for themselves.
Banks offer 6–7% FD rates while investing your money at 12–18%. Capital Investment bypasses that gap — passing higher returns directly to you through a personal agreement. No market risk. No hidden fees. Your rate is locked from day one.
Capital Investment is registered as a Micro, Small & Medium Enterprise under the Government of India. All agreements are personal loan commitments governed under Gujarat Judiciary. We are transparent about what we are — and what we are not.
See exactly what you earn with Capital Investment vs banks, mutual funds, and gold — on the same ₹1,00,000 for 1 year.
| Option | Annual Return | Guaranteed? | Earn on ₹1L |
|---|---|---|---|
| ★ Capital Investment (1Y Cumulative) | 19.2%–27% | ✓ Locked | ₹19,200–₹27,000 |
| Bank FD (SBI/HDFC) | 6.5%–8% | ✓ Yes | ₹6,500–₹8,000 |
| Mutual Fund (Equity) | 10%–14% avg | ✗ Market | Variable |
| PPF | 7.1% | ✓ Yes | ₹7,100 (15yr lock) |
| Gold / Bonds | 2.5%–8% | ✗ Price | Variable |
⚠️ Capital Investment is MSME registered only — not SEBI licensed. Past consistency is not a guarantee of future performance. Invest responsibly.
Every stage is tracked, confirmed, and communicated — on WhatsApp and email.
Every plan detail — capital, rate, monthly earnings, and total payout — at a glance.
Registration to agreement — under 24 business hours.
Browse 4 categories with 5 tiers each. Pick amount and tenure that fits your goals — from ₹25K to ₹2.5L.
Sign in with Google or verify your email via OTP. Complete the registration form in under 3 minutes.
Transfer via UPI or bank account. Share your UTR/Transaction ID. Verified in 1–2 business hours.
Your signed written agreement arrives on company letterhead via Email & WhatsApp within 24 hours.
Fixed guaranteed returns vs. the market’s best alternatives.
| Feature | Capital Investment | Bank FD | Mutual Fund | Gold / SIP |
|---|---|---|---|---|
| Annual Return | 16.8%–36% | 6%–8% | 8%–15% (variable) | 6%–12% (variable) |
| Returns Guaranteed? | ✅ Yes — Fixed | ✅ Yes | ❌ Market risk | ❌ Market risk |
| Written Agreement | ✅ Personal | ✅ Formal | ⚡ Fund docs | ⚡ Partial |
| Monthly Payout | ✅ Available | ⚡ Varies | ❌ Rarely | ❌ No |
| Min. Investment | ₹25,000 | ₹1,000 | ₹500/mo | ₹500 |
| Regulatory Body | MSME Registered | RBI | SEBI | SEBI/MCX |
“Agreement came in 18 hours. Returns exactly as promised — 24.6% on my ₹1L investment. The written agreement gave me confidence from day one.”
“Monthly returns credited on time, every month. The team responds on WhatsApp within minutes. Nothing like the bureaucracy of a bank FD.”
“My bank FD was giving 7%. Here I get 33% on my 5-year plan. The difference is life-changing. I’ve already referred three family members.”
Yes. Once your written agreement is signed and payment confirmed, your rate is locked for the full tenure — regardless of what markets do.
9-month mandatory lock-in on all plans. Early exit after lock-in is allowed, but incurs a 20% deduction on total payout.
No. Capital Investment is MSME registered but does not hold any SEBI or government regulatory license for investment services.
Within 24 business hours of payment confirmation, your signed written agreement arrives on your Email and WhatsApp.
Cumulative: Interest reinvested, full payout at maturity. Non-Cumulative: Interest paid monthly, principal returned at maturity.
UPI (9898185199@jupiteraxis, 9898185199@upi, jangido@fifederal) and direct Federal Bank transfers.
Capital Investment is built on one founding principle: every investor deserves a written, personal commitment — not fine print buried in a prospectus.
Your investment is backed by a signed written agreement on Capital Investment company letterhead, delivered to your Email and WhatsApp within 24 business hours of payment confirmation.
Your rate is locked the moment your agreement is signed. Whether markets rise or fall, your 16.8%–36% p.a. return does not change. Not influenced by RBI, stock markets, or inflation.
Capital Investment is a registered MSME (Micro, Small & Medium Enterprise) based in Ahmedabad, Gujarat. Founded in 2023 and fully operational with a physical presence in the city.
Cumulative 1-Year, Non-Cumulative 1-Year, Cumulative 5-Year, Non-Cumulative 5-Year — five investment tiers within each category from ₹25,000 to ₹2,50,000.
Every stage of your investment — payment verification, agreement dispatch, monthly confirmations — is communicated via WhatsApp and Email. No waiting on hold, no IVR queues.
9-month mandatory lock-in period on all plans. After lock-in, you may exit at any time — capital returned as per agreement terms with a 20% early-exit deduction on total payout.
Real numbers. No fluff. Understand why investors are choosing Capital Investment over traditional options.
| Feature | Capital Investment ★ | Bank FD | Mutual Fund | Stock Market |
|---|---|---|---|---|
| Annual Return | 16.8% – 36% p.a. | 6 – 8% p.a. | 8 – 14% p.a. | Highly variable |
| Returns Guaranteed? | ✅ Yes — Written Agreement | ✅ Yes | ❌ No | ❌ No |
| Written Agreement | ✅ Personal, 24 hrs | ❌ Standard T&C | ❌ Offer Document | ❌ None |
| Market-Linked Risk | ✅ Zero — Fixed | ✅ Zero | 🔴 High | 🔴 Very High |
| Minimum Investment | ₹25,000 | ₹1,000 | ₹500 SIP | Any |
| Monthly Payout Option | ✅ Non-Cumulative Plans | ❌ Usually at maturity | 🟠 Dividend plans only | ❌ Dividends only |
| Agreement in 24 hrs | ✅ Yes | ❌ | ❌ | ❌ |
| Lock-in Period | 9 months | Varies (1–5 yrs) | ELSS: 3 yrs | None |
Capital Investment was founded in Ahmedabad, Gujarat in 2023 with a single purpose: to offer investors a transparent, written-agreement-backed alternative to traditional investment products.
We noticed that most high-return investment products either lacked written commitments, had extreme market risk, or were accessible only to high-net-worth individuals. We set out to change that.
Today, over 100 investors across Gujarat and India trust us with their capital — and every single one received their written agreement within 24 hours of payment.
📋 What's in Your Agreement
Transparency is our foundation. If your question isn't here, WhatsApp us directly.
Capital Investment operates a structured portfolio management model where capital is deployed into high-yield business channels. Returns are fixed and pre-agreed — the company owner personally guarantees them via written agreement, making this a personal loan-type commitment from the owner to you.
A formal letter on Capital Investment company letterhead signed personally by the company owner. It states your name, investment amount, annual return rate, payout schedule, tenure dates, and your Capital Reference ID. Delivered to your registered Email and WhatsApp within 24 business hours of payment confirmation.
A mandatory 9-month lock-in applies to all plans. No withdrawals are permitted during this period. After 9 months, you may exit with a 20% deduction on your total payout (principal + interest earned). This policy is clearly stated in your written agreement.
No. Capital Investment is MSME registered in India but does NOT hold any SEBI, RBI, IRDA, or other regulatory body license for investment or financial services. We strongly recommend seeking independent financial advice before investing. The written agreement is a personal loan commitment — not a regulated investment product.
Official UPI IDs: 9898185199@jupiteraxis (Federal Bank Jupiter), 9898185199@upi (Default UPI), jangido@fifederal (Federal Bank Fi/Epifi). Only pay to these accounts. Capital Investment is not responsible for losses from payments to any other account. Always confirm on the Payment Details page before transferring.
After payment, you receive a Capital Reference ID. Keep this safe — it's your identifier for all communications. Our team will WhatsApp and email you at each stage: payment verification (1–2 hrs), agreement preparation (2–4 hrs), and agreement delivery (within 24 hrs). Active investment updates are included in your written agreement schedule.
Yes. You can hold multiple active plans under different categories or the same category. Each investment generates a separate written agreement and unique Capital Reference ID. There is no maximum limit on the number of simultaneous plans you can hold.
Capital Investment services are intended for in-house persons only — individuals who understand the nature of a personal loan-based investment agreement and are investing voluntarily with full knowledge of all risks and disclosures. This is not a public product. No tax receipts are issued; only an official Unified Receipt is provided.
Real numbers, no estimates. Every figure below is guaranteed in your written agreement.
⚠️ All figures for ₹1,00,000 Prestige Income Plan. Exact returns locked in your written agreement on day one.
Every minute from your first message to your first return — planned, confirmed, and communicated.
4 categories. 5 tiers each. 20 combinations. Fixed guaranteed returns with written agreement.
Capital Investment is MSME registered but holds NO SEBI or government license for investment services. A 9-month lock-in period applies. Early exit incurs a 20% deduction. Agreement is a personal loan commitment, not valid for external legal action. For in-house persons only.
Interest reinvests monthly. Collect full capital + accumulated interest at maturity as a single lump sum.
Interest paid monthly throughout tenure. Principal returned in full at maturity.
💡 Best value: The 5-Year Cumulative plan at ₹2,50,000 earns 36% p.a. — total payout of ₹3,40,000 at maturity.
Understand which type of plan matches your financial goals — monthly income or lump sum growth.
Your interest is reinvested and compounded throughout the tenure. At maturity, you receive your full principal + all interest as a lump sum. Ideal for wealth accumulation and long-term goals.
Your interest is paid out every month directly to your account. At maturity, you receive your principal back. Perfect for generating a steady monthly income stream alongside your principal.
| Plan Name | Amount | 1Yr Cum Rate | 5Yr Cum Rate | Monthly (Non-Cum 1Yr) |
|---|---|---|---|---|
| Wealth Builder | ₹25,000 | 19.2% | 19.8% | ₹350/mo |
| Profit Maximizer | ₹50,000 | 21% | 22.2% | ₹775/mo |
| Elite Plus | ₹75,000 | 23.4% | 25.2% | ₹1,313/mo |
| Prestige Income | ₹1,00,000 | 27% | 29.4% | ₹2,050/mo |
| Supreme Growth | ₹2,50,000 | 33% | 36% | ₹6,375/mo |
Four categories. Five tiers. One written agreement guarantee. Here's how to decide.
Best for first-time investors or those who want to test the waters before committing to a longer tenure. Returns ranging from 16.8% to 33% p.a. with the full written agreement guarantee. Maturity at 12 months.
For investors focused on wealth building. 5-year plans carry higher rates — 17.4% to 36% p.a. — because of the extended commitment. Cumulative 5-year plans compound interest for significantly larger maturity payouts.
Interest is reinvested throughout the tenure and paid out as a single lump sum at maturity. Cumulative plans offer slightly higher rates. Best for those who don't need monthly income and want maximum total payout.
Interest is paid out monthly to your registered bank account. Principal is returned at maturity. Ideal for investors who want a regular, predictable income stream alongside their capital.
💬 Not sure which plan is right for you?
WhatsApp us or email — our team will prepare a personalised investment analysis based on your goals, tenure, and amount.
💬 WhatsApp Us for Advice →Actual figures from our most popular plans. Every number guaranteed in your written agreement.
| Plan | Investment | Rate | Monthly (NC) | Maturity Payout | Net Profit |
|---|---|---|---|---|---|
| Wealth Builder · 1Yr Cum | ₹25,000 | 19.2% | — | ₹29,800 | +₹4,800 |
| Profit Maximizer · 1Yr NC | ₹50,000 | 18.6% | ₹775/mo | ₹50,000 back | +₹9,300 |
| Prestige Income · 1Yr Cum ⭐ | ₹1,00,000 | 27% | — | ₹1,27,000 | +₹27,000 |
| Prestige Income · 1Yr NC | ₹1,00,000 | 24.6% | ₹2,050/mo | ₹1,00,000 back | +₹24,600 |
| Supreme Growth · 5Yr Cum 🏆 | ₹2,50,000 | 36% | — | ₹3,40,000 | +₹90,000 |
Specific questions about how our plans work, calculated and structured.
Yes. All 4 categories and 5 tiers are currently open for new investors. Register anytime — Mon–Fri 9 AM to 6 PM IST for fastest processing, though registrations are accepted 24/7.
Monthly payouts for Non-Cumulative plans are transferred to your registered bank account on the same date each month as specified in your written agreement, starting from the investment activation date.
No. Once the agreement is signed, the plan terms are locked for the full tenure. However, you can open additional new investments in any plan simultaneously — each generates a separate agreement and Capital Reference ID.
The maximum per plan is ₹2,50,000 (Supreme Growth). However, you can hold multiple plans simultaneously with no overall cap. Multiple investors from the same family can each invest separately.
Verify your email first. All * fields required.
By submitting you agree to Terms & Conditions. Email verification required. Agreement delivered within 24 hours.
Your registration triggers an end-to-end process designed for speed, transparency, and certainty.
The moment you submit your registration, our team receives a WhatsApp alert. You are connected to a dedicated team member within minutes — not hours.
Your agreement is not a template — it has your name, exact amount, your locked return rate, your payout schedule, and your Capital Reference ID. Signed by our owner personally.
From payment confirmation to signed agreement in your inbox — guaranteed within 24 business hours. No exceptions. Every investor in our history has received their agreement on time.
A unique identifier assigned to your investment. Use it in all future communications — it's your key to tracking, querying, and verifying your investment at any time.
The moment your agreement is signed, your return rate is locked for the entire tenure. No rate revisions, no inflation adjustments, no surprises — your agreed % stays exactly as written.
Our most accessible plan — Wealth Builder — starts at just ₹25,000 with a 19.2% annual return. Every plan, regardless of amount, comes with the same written agreement and 24-hour delivery guarantee.
✅ 100+ investors have already registered. Join them.
MSME Registered · Ahmedabad, Gujarat · Est. 2023 · Written Agreement in 24 Hours
Match your investment goal to the right category in 30 seconds.
Best for first-time investors or those who want their capital to grow and receive a single lump sum payout in 12 months. Rates from 19.2% to 33% p.a.
Best for investors who need a steady monthly income stream. Interest paid every month, principal returned at maturity. Rates from 16.8% to 30.6% p.a.
Best for retirement planning or long-term wealth building. Highest rates available — up to 36% p.a. on the Supreme Growth plan. Full lump sum at 5-year maturity.
Best for long-term passive income seekers. Earn every month for 5 full years, then receive your principal back. Rates from 17.4% to 33.6% p.a.
Pay ONLY to these verified accounts. Always confirm UPI ID before transferring.
Scan via any UPI app
9898185199@jupiteraxis
9898185199@upi
⚠️ Security Warning: Never pay to accounts not listed here. Always verify UPI ID before transferring. For verification: info@capitalinvestment.co.in | WhatsApp +91 80007 44756
Follow these exact steps after completing your registration form.
Complete the registration form on the Invest page. Submit your name, phone, email, and plan selection before making any payment.
Transfer the exact plan amount to one of our verified UPI IDs or bank account. Always verify UPI ID before confirming payment.
Note your UTR/Transaction Reference ID immediately after payment. You will need this in the registration form to confirm your transfer.
Screenshot your payment and share on WhatsApp +91 80007 44756. Our team verifies and confirms within 1–2 business hours.
Capital Investment will NEVER ask you to pay via cash, cheque, or unofficial channels. Our only official UPI IDs are: 9898185199@jupiteraxis, 9898185199@upi, jangido@fifederal. Any other payment request is fraudulent.
Every fraudulent payment to unofficial accounts is unrecoverable. Follow these exact steps every single time.
Before initiating any payment, double-check the exact UPI ID on this page. Official IDs: 9898185199@jupiteraxis, 9898185199@upi, jangido@fifederal. Do not pay to any other ID.
When your UPI app shows the receiver's name before confirming, ensure it matches the registered Capital Investment account holder. If you see any unfamiliar name, cancel immediately and contact us on WhatsApp.
After payment, your bank/UPI app generates a UTR (Unique Transaction Reference) number. Screenshot it and note it down. You must submit this UTR in the registration form — it is your proof of payment.
After submitting your registration form with UTR, also send a WhatsApp message to +91 80007 44756 confirming your payment. Include: your name, plan, amount paid, and UTR number. This speeds up verification.
Our team verifies payments within 1–2 business hours (Mon–Fri 9 AM–6 PM IST). You will receive an Email and WhatsApp confirmation with your Capital Reference ID. Do NOT make the payment again if you don't hear back immediately.
Capital Investment will NEVER ask you to pay to a personal bank account, ask for OTP, request a payment reversal, or contact you first asking for money. If anyone claims to be from Capital Investment and asks for such things, it is fraud. Report immediately.
Every step communicated. No guessing. No silence. Full transparency from payment to active returns.
Only pay to these exact IDs. Any other account is fraudulent. Verify before every payment.
Security Warning: Always Verify Before Paying
When your UPI app shows the receiver's name, it must match our registered Federal Bank account. If you see any unrecognized name — cancel immediately and WhatsApp us at +91 80007 44756. Capital Investment never contacts you first to request payment.
Prefer NEFT/RTGS/IMPS? Use our official bank account details below.
⚠️ After bank transfer, WhatsApp us your transaction reference number immediately for faster verification.
These documents govern all investments. Please read carefully and entirely before investing.
Answers to the most asked compliance and legal questions about Capital Investment.
No. Capital Investment is an MSME-registered private entity. It is not a bank, NBFC, or SEBI-licensed investment firm. Investments are structured as personal loan agreements between you and the company owner.
Your written agreement on company letterhead is a personal loan commitment from the owner. Disputes are governed under Gujarat Judiciary. The agreement is not valid for external regulatory legal action.
No. Capital Investment issues an official Unified Receipt only — not a tax receipt or Form 16A. You are advised to consult a chartered accountant for your personal tax obligations on returns received.
After the mandatory 9-month lock-in period, you may exit your investment. Early withdrawal incurs a 20% deduction on your total payout. Holding to maturity receives the full agreed amount.
Yes. Your personal information is used solely for investment processing and communication. We never sell or share your data with third parties. Data is retained for the investment period plus 2 years.
Services are intended for in-house persons only — individuals known to or referred by existing investors or the company directly. Capital Investment does not publicly solicit investments from the general public.
We believe you deserve to understand every line before you invest. Here's our full legal framework in plain English.
Your investment is treated as a personal loan from you to the Capital Investment company owner. The owner is personally and individually obligated to repay your principal plus the agreed returns at maturity. This is different from a corporate bond or SEBI-regulated product — it's a personal promise backed by a written agreement.
Capital Investment operates under MSME registration, not as a SEBI-regulated portfolio manager or investment advisor. This means the service is available to in-house persons only, and the agreement is not enforceable through external regulatory action — disputes are handled exclusively under Gujarat Judiciary jurisdiction.
The mandatory 9-month lock-in period creates mutual commitment between you and Capital Investment. It allows the company to deploy your capital into its business channels and generate returns. Early exit during the lock-in is not permitted under any circumstance. After 9 months, you may exit with the 20% deduction policy as stated in your agreement.
Your written agreement is on Capital Investment company letterhead, signed personally by the owner. It is NOT on government stamp paper. This is important: while the agreement is a formal, personal, and morally binding commitment, it is not a stamped instrument under the Indian Stamps Act and therefore has limited enforceability in external courts. Invest with full awareness of this distinction.
Investment Advisory Disclaimer: Capital Investment is not a financial advisor, portfolio manager, or SEBI-registered entity. Nothing on this website constitutes financial advice. All investment decisions are made at the sole discretion of the investor. We strongly recommend consulting an independent, SEBI-registered financial advisor before committing any capital.
By proceeding with any investment, you confirm you have read all disclosures, understand the risks, and are investing voluntarily as an in-house person.
All official registration and company information for Capital Investment.
🔒 Have Legal Questions?
Our team explains every clause of the agreement before you invest. No fine print surprises.
Questions about plans, returns, or process? Response within 1–2 business hours.
Ahmedabad, Gujarat — 380060
Serving investors across India
We respond within 1–2 hours via Email & WhatsApp. Your info is kept strictly confidential.
Most common questions — answered instantly so you don't have to wait.
Our smallest plan is the Wealth Builder at ₹25,000 with 19.2% annual return (Cumulative 1-year). Maximum plan is ₹2,50,000.
WhatsApp and Email responses within 1–2 business hours — Monday to Friday, 9 AM to 6 PM IST. Weekends may take longer.
Your signed written agreement on company letterhead arrives via Email & WhatsApp within 24 business hours of payment verification.
📍 Ahmedabad, Gujarat — 380060 · Mon–Fri 9 AM – 6 PM IST
📧 info@capitalinvestment.co.in · 📞 +91 80007 44756
Whether you have a question before investing, need help choosing a plan, or want to track your existing investment — we're accessible, responsive, and human.
📊 Business Hours
🤝 What We Help With
100+ investors across Gujarat and India have trusted Capital Investment with their capital.
“I was sceptical at first. But the agreement arrived in 20 hours, exactly as promised. Returns have been perfect for 8 months now. The WhatsApp response time is incredible — faster than my bank.”
“I moved ₹2.5L from a bank FD earning 7% to a 5-year plan here at 36%. The difference in my projected payout is extraordinary. Capital Reference ID system is professional and well-managed.”
“Monthly payouts land in my account without fail. The written agreement gave my family the confidence that this was legitimate. I've referred 4 people — all having the same great experience.”
Ready to experience Capital Investment for yourself?
Capital Investment was founded and operates from Ahmedabad, Gujarat — India's financial capital of the west. We serve investors across Gujarat, Maharashtra, Rajasthan, and the entire country via WhatsApp and Email.
Every investor interaction is personal. No automated bots, no outsourced call centres — just a dedicated team in Ahmedabad committed to your investment experience.
📞 All Contact Channels