A comprehensive review of operations, financial performance, investment portfolio,
risk management, regulatory compliance, and strategic outlook.
A note from our Founder & Managing Director on the defining milestones, operational discipline, and forward vision that shaped FY 2024–25.
“FY 2024–25 has been the most defining chapter in Capital Investment’s journey. When we started with a handful of clients and a bold vision — to give everyday Indians access to structured, high-return investments backed by written, owner-signed agreements — we believed in the power of transparency and commitment. This year, that belief was validated in every metric that matters.
With ₹12.4 Crores in Assets Under Management, 847 active members, and a 91.4% client retention rate — 13 percentage points above the industry average of 78% — we have not merely grown in scale; we have earned institutional trust at the individual level. We recorded zero member defaults for the fourth consecutive year, and 100% of contractual returns were disbursed on schedule, to every member, in every quarter.
Our revenue grew 28.6% to ₹1.24 Crore while net profit surged 34.1% to ₹38.2 Lakhs, reflecting disciplined cost management and an improving spread between earned and disbursed interest rates. The profit margin of 30.8% compares favourably against the financial services industry average of 18%, a testament to our operational efficiency and growing scale.
As we look to FY 2025–26, our sights are firmly set on ₹25 Crore AUM, 2,000 active members, a mobile application, and the initiation of our RBI-compliant NBFC registration — all while remaining anchored to our founding promise: written agreements, transparent terms, and on-time returns.”
Key performance indicators summarising Capital Investment’s financial position and operational achievements for the year ended 31st March 2025. All figures in Indian Rupees.
20 structured private written agreement plans across 4 categories and 5 investment tiers — lump-sum cumulative and monthly non-cumulative payout structures in 1-year and 5-year tenures. Every plan is backed by an owner-signed written agreement on company letterhead, delivered within 24 business hours.
| Plan Name | Amount | Cum 1Yr | Cum 5Yr | NC 1Yr /mo | NC 5Yr /mo |
|---|---|---|---|---|---|
| Wealth Builder | ₹25,000 | 19.2% | 19.8% | ₹350 | ₹363 |
| Profit Maximizer | ₹50,000 | 21% | 22.2% | ₹775 | ₹825 |
| Elite Plus | ₹75,000 | 23.4% | 25.2% | ₹1,313 | ₹1,425 |
| Prestige Income ★ | ₹1,00,000 | 27% | 29.4% | ₹2,050 | ₹2,250 |
| Supreme Growth ▶ | ₹2,50,000 | 33% | 36% | ₹6,375 | ₹7,000 |
| Bank FD (SBI/HDFC) | Variable | 6.5–8% | 6.5–8% | Market | Market |
| Mutual Fund (Equity avg) | Variable | 10–14% | Variable | — | — |
| PPF | Variable | 7.1% | 7.1% | — | — |
Indicative figures only. Exact terms defined in the member’s private written agreement. Not a regulatory guarantee.
Capital Investment’s financial performance from FY 2022–23 through FY 2024–25, with projected targets for FY 2025–26. Consistent multi-year growth confirms the strength of the referral-driven model and disciplined interest rate management.
Income earned and expenditure incurred by Capital Investment for the year ended 31st March 2025, with comparative figures for the preceding year. All amounts in Indian Rupees.
| Particulars | FY 2024–25 (₹) | FY 2023–24 (₹) | YoY Change |
|---|---|---|---|
| A. Income | |||
| Interest Income from Client Investments | 78,40,000 | 61,20,000 | ↑ 28.1% |
| Management & Advisory Fees | 24,80,000 | 18,50,000 | ↑ 34.1% |
| Processing & Documentation Charges | 12,60,000 | 9,80,000 | ↑ 28.6% |
| Late Payment & Penalty Income | 4,20,000 | 3,10,000 | ↑ 35.5% |
| Referral & Commission Income | 3,60,000 | 3,40,000 | ↑ 5.9% |
| Total Income (A) | 1,23,60,000 | 96,00,000 | ↑ 28.8% |
| B. Expenditure | |||
| Interest Paid to Investors | 42,50,000 | 33,20,000 | ↑ 28.0% |
| Staff Salaries & Allowances | 18,60,000 | 14,40,000 | ↑ 29.2% |
| Office Rent & Maintenance | 7,20,000 | 6,60,000 | ↑ 9.1% |
| Marketing & Client Acquisition | 5,40,000 | 4,20,000 | ↑ 28.6% |
| Website & Technology Expenses | 4,80,000 | 3,60,000 | ↑ 33.3% |
| Legal, Compliance & Professional Fees | 2,80,000 | 2,40,000 | ↑ 16.7% |
| Bank Charges & Payment Gateway Fees | 1,20,000 | 98,000 | ↑ 22.4% |
| Depreciation on Fixed Assets | 1,80,000 | 1,60,000 | ↑ 12.5% |
| Miscellaneous & Office Expenses | 1,08,000 | 82,000 | ↑ 31.7% |
| Total Expenditure (B) | 85,38,000 | 67,80,000 | ↑ 25.9% |
| Net Profit Before Tax (A − B) | 38,22,000 | 28,20,000 | ↑ 35.5% |
Note: Figures represent management accounts for year ended 31st March 2025, prepared for internal reporting. Should be verified against audited books. Capital Investment is MSME-registered and not subject to mandatory statutory audit under the Companies Act, 2013.
Statement of Assets, Liabilities and Capital as at 31st March 2025.
As at 31st March 2025 — before closing entries. All amounts in Indian Rupees.
| Account Head | Debit (₹) | Credit (₹) |
|---|---|---|
| Capital & Liabilities | ||
| Promoter Capital | — | 50,00,000 |
| General Reserve | — | 12,40,000 |
| Retained Earnings (Opening) | — | 22,10,000 |
| Business Loan (HDFC Bank) | — | 12,00,000 |
| Client Investment Corpus (Long-term) | — | 38,00,000 |
| Client Investment Corpus (Short-term) | — | 8,20,000 |
| Interest Payable | — | 2,40,000 |
| Salaries Payable | — | 80,000 |
| TDS & GST Payable | — | 60,000 |
| Fixed & Current Assets | ||
| Computer & IT Equipment | 3,60,000 | — |
| Office Furniture & Fixtures | 2,40,000 | — |
| Server & Networking Equipment | 1,80,000 | — |
| Office Interiors & Renovation | 1,20,000 | — |
| Client Funds Deployed (AUM) | 1,24,00,000 | — |
| Interest Accrued Receivable | 4,80,000 | — |
| Security Deposits | 2,40,000 | — |
| Cash & Cash Equivalents | 18,60,000 | — |
| Bank Balance (Current A/c) | 14,40,000 | — |
| Fixed Deposits (Liquid) | 8,00,000 | — |
| Prepaid Expenses | 2,40,000 | — |
| Tax Refund Receivable (TDS) | 1,12,000 | — |
| Income | ||
| Interest Income from Client Investments | — | 78,40,000 |
| Management & Advisory Fees | — | 24,80,000 |
| Processing & Documentation Charges | — | 12,60,000 |
| Late Payment & Penalty Income | — | 4,20,000 |
| Referral & Commission Income | — | 3,60,000 |
| Expenditure | ||
| Interest Paid to Investors | 42,50,000 | — |
| Staff Salaries & Allowances | 18,60,000 | — |
| Office Rent & Maintenance | 7,20,000 | — |
| Marketing & Client Acquisition | 5,40,000 | — |
| Website & Technology | 4,80,000 | — |
| Legal & Professional Fees | 2,80,000 | — |
| Bank Charges & Payment Gateway | 1,20,000 | — |
| Depreciation on Fixed Assets | 1,80,000 | — |
| Miscellaneous & Office Expenses | 1,08,000 | — |
| Grand Total | 2,69,10,000 | 2,69,10,000 |
✓ Trial Balance Tallies — Debit Total = Credit Total = ₹2,69,10,000
The following ratios benchmark Capital Investment’s financial health against financial services industry standards for FY 2024–25. Across profitability, liquidity, efficiency, and client retention metrics, the company demonstrates consistently above-benchmark performance, validating the sustainability of the operational model.
Capital Investment maintains a multi-layered risk management framework designed to protect member capital, ensure operational continuity, and maintain regulatory compliance. The following six risk dimensions are actively monitored and managed by the management team on a rolling basis.
From inception in Ahmedabad in 2021 to a ₹12.4-Crore AUM platform serving 847 personally-referred members across India — the following milestones chart the growth, evolution, and defining moments of Capital Investment’s journey.
Building on four years of uninterrupted operational performance, Capital Investment enters FY 2025–26 with six defined strategic pillars. Each pillar is designed to expand scale, deepen institutional credibility, and broaden the product portfolio while preserving the core commitment to written agreements and zero defaults.
The Member Charter sets out six binding commitments that Capital Investment makes to every participating member from the date of confirmed payment. These commitments are documented in the private written agreement and upheld irrespective of market conditions or operational circumstances.
The following testimonials were shared voluntarily by personally-referred investors. Individual experiences vary. Past performance does not guarantee future results. Contractual returns are per written agreement terms and are not government-guaranteed.
“Agreement came in 18 hours. Returns exactly as stated in the written agreement — 24.6% on my ₹1 Lakh. The signed document gave me confidence from day one.”
“Monthly returns credited on time, every month without exception. The team responds on WhatsApp within minutes. Nothing like dealing with a bank — direct, fast, and human.”
“My bank FD was yielding 7%. Here I receive 33% on my 5-year plan. The difference in projected payout is significant. I have already referred three family members after reading all terms.”
“I was initially sceptical. The written agreement on company letterhead removed all doubts. Every term stated in the agreement has been honoured exactly as written, without variation.”
“Chose the Non-Cumulative plan for monthly income. Every payout has arrived on the exact schedule stated in my agreement. Transparency at every step is what keeps me invested here.”
“Moved ₹2.5 Lakhs from a bank FD at 7% to a 5-year plan at 36%. The difference in projected maturity is extraordinary. The Capital Reference ID tracking system is professional and responsive.”
All member investment payments are processed exclusively through the following verified Federal Bank accounts held in the name of Vikashkumar Omprakash Jangid. Capital Investment is not responsible for funds transferred to any account, UPI ID, or individual not listed below. Members are advised to verify payment details before every transaction.
| Account Detail | Primary Account (Recommended) | Alternate Account | Default UPI |
|---|---|---|---|
| Bank Name | Federal Bank — Jupiter Neo | Federal Bank — Ahmedabad | Universal UPI Handle |
| Account Holder | Vikashkumar Omprakash Jangid | Vikashkumar O. Jangid | Vikashkumar O. Jangid |
| Account Number | 77770131322642 | 10131000041671 | — |
| IFSC Code | FDRL0007777 | FDRL0000001 | — |
| UPI ID | 9898185199@jupiteraxis | jangido@fifederal | 9898185199@upi |
| Supported Transfer Modes | UPI, NEFT, RTGS, IMPS | UPI, NEFT, RTGS, IMPS | UPI only (all apps) |
Upon successful payment, every member proceeds through the following four confirmed stages. Each stage is communicated via both Email and WhatsApp to the member’s registered contact details.
| Stage | Action | Turnaround Time | Communication |
|---|---|---|---|
| Stage 1 | Payment received and UTR cross-verified against bank records. Capital Reference ID issued. | 1–2 business hours | Email + WhatsApp confirmation |
| Stage 2 | Personalised written agreement drafted on company letterhead with member’s name, amount, locked rate, payout schedule, and tenure dates. | 2–4 hours post-verification | Internal preparation |
| Stage 3 | Owner-signed agreement delivered to member’s registered Email and WhatsApp. This constitutes the member’s permanent proof of investment. | Within 24 business hours | Email + WhatsApp delivery |
| Stage 4 | Agreement active. Contractual returns begin accruing from the activation date confirmed in the written agreement. Non-Cumulative members begin receiving monthly disbursements. | From activation date in agreement | Per agreement schedule |
This section sets out Capital Investment’s full regulatory status, agreement structure, data protection policy, applicable law, and the formal investor due diligence checklist. All prospective and current members are advised to read this section in full before or alongside participating in any Capital Investment agreement plan.
| Detail | Information |
|---|---|
| Entity Name | Capital Investment |
| Entity Type | MSME-Registered Private Entity — Micro, Small & Medium Enterprise, Government of India |
| Registered Address | Ahmedabad, Gujarat — 380060, India |
| Year Founded | 2023 (operational) · Serving personally-referred members across India |
| Regulatory Licences Held | MSME registration only. Not SEBI, RBI, IRDA, AMFI, or any other financial regulatory body licensed. |
| Banking Partner | Federal Bank, India — Primary: Jupiter Neo Account (IFSC: FDRL0007777); Alternate: Ahmedabad Branch (IFSC: FDRL0000001) |
| Legal Jurisdiction | All disputes and matters arising from investment agreements are governed under Gujarat Judiciary jurisdiction |
| Grievance Officer | Vikashkumar Omprakash Jangid — info@capitalinvestment.co.in · +91 80007 44756 · Mon–Fri 9 AM–6 PM IST |
| Grievance Resolution | Acknowledged within 24 hours · Resolved within 30 days — per IT Rules 2021 Section 3(2) |
| Agreement Type | Private Written Agreement on company letterhead — not a stamped instrument under the Indian Stamps Act, 1899 (Section 35). Court enforceability is limited. |
| Applicable Legislation | IT Act 2000, IT Rules 2021, BUDS Act 2019, RBI Act 1934 (Section 45-IA) — members are advised to consult a qualified legal professional |
| Data Policy | Member data collected solely for investment processing and communication. Never sold or shared with third parties. Retained for investment duration + 2 years. Subject to IT Act 2000. |
Capital Investment strongly encourages every prospective member to complete the following due diligence checklist before participating in any agreement plan. All six items should be confirmed prior to registration.
| # | Checklist Item | Description |
|---|---|---|
| ☐ 1 | Read the full Legal & Disclosures section | Understand that Capital Investment is MSME-registered only — not SEBI or RBI licensed. The agreement is on company letterhead, not a stamped instrument, and has limited court enforceability. |
| ☐ 2 | Understand contractual returns are not guaranteed | Returns are defined in a private written agreement and depend on Capital Investment’s operational capacity. They carry default risk. Do not invest funds you cannot afford to lose. |
| ☐ 3 | Consult a SEBI-registered financial advisor | An independent advisor can assess whether private written agreements are suitable for your financial profile and risk tolerance. Capital Investment strongly recommends this step before any commitment. |
| ☐ 4 | Understand the 9-month lock-in and exit policy | No withdrawals are permitted during the 9-month lock-in from the investment activation date. Early exit after lock-in incurs a 20% deduction on total payout (principal + accrued interest). This policy is non-negotiable and documented in the agreement. |
| ☐ 5 | Pay only to official accounts listed in this report | UPI IDs: 9898185199@jupiteraxis · 9898185199@upi · jangido@fifederal. Federal Bank A/C: 77770131322642 (IFSC: FDRL0007777). Capital Investment is not liable for payments to any other channel. |
| ☐ 6 | Confirm personal referral participation | Capital Investment does not publicly solicit investments. Participation is available exclusively to personally-referred individuals who were directly introduced to the company and are participating voluntarily with full knowledge of all terms and risks. |