A file built to be sanctioned, not just submitted.
Most proposals reach a bank as statements and hope. Ours arrive appraised,
spread and stress-tested to the standard a credit committee works to.
01
Prepared, not forwarded
Project reports and CMA packages are built to institutional committee standard, with the movements in the numbers explained rather than left to be discovered.
02
Placed with intent
Appetite shifts by sector, ticket and season. A proposal goes to the institutions likely to fund it, not to the whole market at once.
03
Structured early
Pricing, tenor, security and covenants are negotiated while there is still room to move, well before a sanction letter is drawn.
On the work
The distance between a good business and a sanction is the quality of the file.
Every mandate is built on that premise, and nothing leaves the desk until it holds.
03 Process
Four steps, in order.
01
Assess
Financials, the working capital cycle and serviceability, read the way an analyst reads them before anyone else forms a view.
02
Structure
The right instrument, tenor and security, modelled and stress-tested, then assembled into a committee-standard package.
03
Place
The file goes to institutions with genuine appetite for the sector, ticket and profile, with the reasoning behind each approach.
04
Close
Terms are negotiated while there is still room to move, and the sanction is held to what was agreed through to disbursement.
04 The desk
The judgement behind the file.
One builds the case to institutional standard. The other has spent a career
reading cases like it from the other side of the table.
Co-Founder
Bharat Dahiya
Head of Credit Structuring
CPA Australia · Ex-Public Finance Lead
Bharat leads credit assessment, debt architecture and financial modelling at Aarvex.
Having managed financial analysis, statutory audit and month-end closes for
multi-million and billion-dollar institutional budgets across Australia and India,
he approaches loan files from the perspective of an auditor and credit analyst.
Co-Founder
Sumit Gawri
Head of Lender Syndication
Ex-Vice President · Leading private sector bank
Sumit brings over a decade of direct credit sanctioning and debt placement
experience from inside India's premier private banking sector. Having evaluated,
approved and declined thousands of corporate credit proposals, he holds an
insider's command of shifting bank appetites, sector tolerances and credit
committee dynamics. He ensures structured files are placed exclusively before
institutions with active lending appetite.
05 Enquiries
Tell us what you need funded.
A short note is enough to begin. We will tell you where the proposal stands,
what it needs, and whether we are the right people for it.
Aarvex Capital Advisory Private Limited · Effective 1 September 2026
These Terms govern your use of aarvexcapital.com and any enquiry you
submit through it. By using this website you accept them. If you do not accept them, please
do not use the site.
1. Who we are
This website is operated by Aarvex Capital Advisory Private Limited, a
company incorporated in India with its registered office at BU-8, SFS Flats, Pitampura, New
Delhi 110034 ("Aarvex", "we", "us"). References to "you" mean the person or entity using this
website or making an enquiry.
2. Scope of our services
Aarvex is a credit and capital advisory and debt syndication firm. Our
work consists of appraising a proposal, preparing the credit file to institutional standard,
identifying lenders or investors whose appetite fits that proposal, and assisting with
negotiation and closing.
We wish to be unambiguous about what we are not:
We are not a bank and not a non-banking financial company. We are not
licensed under the Banking Regulation Act, 1949, and we hold no certificate of registration
from the Reserve Bank of India as an NBFC.
We do not lend, and we do not accept deposits or funds of any kind from
the public.
We do not provide investment advice within the meaning of the SEBI (Investment Advisers)
Regulations, 2013, and nothing on this website is a recommendation, solicitation or offer to
buy or sell any security.
We are not your legal, tax, accounting or valuation adviser. You should take your own
professional advice on those matters.
3. No guarantee of sanction
This is the most important clause on this page. Every lending and investment
decision rests solely with the bank, financial institution or investor concerned.
Aarvex has no authority to sanction, approve, price, or disburse any facility, and does not
represent that any lender will do so.
Nothing on this website, and nothing said by us during discussions, constitutes an offer of
finance, a commitment to arrange finance, or an assurance that a facility will be sanctioned,
sanctioned on particular terms, or disbursed within any timeframe. Any indication we give about
likely lender appetite, structure, pricing or timelines is a professional opinion based on
experience and the information available to us at that time. It is not a promise, and it may
change as a proposal is examined.
4. Engagement and fees
Information on this website is general and does not create an advisory relationship. We act
only under a written mandate signed by both parties, which sets out the scope,
the fee basis and the payment terms before work begins.
Please note, for your own protection: we do not ask prospective clients to
pay processing fees, deposits or commissions into personal accounts, and we do not guarantee
sanction in exchange for an advance payment. If you receive any such demand claiming to come
from Aarvex, treat it as fraudulent and contact us at
info@aarvexcapital.com before parting with money.
5. Your responsibilities
Credit work depends entirely on the accuracy of what is provided. You agree that information,
financial statements and documents you give us will be true, complete and not misleading, that
you are authorised to share them, and that you will tell us promptly if anything material
changes. We are entitled to rely on what you provide without independent verification, and we
are not responsible for consequences arising from information that was inaccurate, incomplete
or withheld.
6. Intellectual property
All content on this website, including its design, layout, structure, source code, graphics,
the Aarvex name and mark, and all text, is the property of Aarvex or its licensors and is
protected under the Copyright Act, 1957 and the Trade Marks Act, 1999.
The photography on this website is the copyright of Bharat Dahiya and is
used here under licence to Aarvex. No photograph may be copied, reproduced, downloaded,
scraped, republished or used in any medium, in whole or in part, without prior written
permission from the copyright owner. Nothing on this site grants any licence to reuse our
content, and use of automated means to copy the site is not permitted.
7. Third party links and services
This website loads typefaces and script libraries from third party providers, and enquiry
submissions are relayed by a third party form service. Where we link to other websites, we do
not control them and are not responsible for their content or their privacy practices. Our
Privacy Policy explains which third parties are involved.
8. Limitation of liability
This website is provided on an "as is" and "as available" basis, without warranty of any
kind, express or implied, including as to accuracy, completeness, uninterrupted availability
or fitness for a particular purpose.
To the maximum extent permitted by applicable law, Aarvex, its directors, officers and
employees shall not be liable for any indirect, incidental, special, consequential or punitive
loss, or for any loss of profit, revenue, business opportunity, goodwill or anticipated
savings, arising out of or in connection with your use of this website or reliance on any
general information published on it, whether in contract, tort or otherwise.
Where we act under a written mandate, our liability is governed by that mandate. Nothing in
these Terms excludes or limits liability for fraud, fraudulent misrepresentation, or any
liability which cannot lawfully be excluded.
9. Indemnity
You agree to indemnify and hold harmless Aarvex, its directors, officers and employees
against any claim, demand, loss, liability, cost or expense, including reasonable legal fees,
arising from your breach of these Terms, your misuse of this website, your infringement of any
third party right, or the inaccuracy of information you have supplied to us.
10. Confidentiality
Information you share with us in the course of an enquiry or an engagement is treated as
confidential and is handled in accordance with our Privacy Policy. In particular, a credit file
is not circulated to lenders without your express written instruction.
11. Compliance
We may be required to carry out identity and background checks and to comply with obligations
under the Prevention of Money Laundering Act, 2002 and other applicable law. We may decline or
discontinue an engagement where those requirements are not met, or where we consider that
proceeding would be improper.
12. Changes to these Terms
We may update these Terms from time to time. The version published on this page at the time
you use the website is the version that applies, and the effective date above will be revised.
13. Governing law and jurisdiction
These Terms and any dispute or claim arising out of them, including non-contractual disputes,
are governed by and construed in accordance with the laws of India. Subject to any arbitration
clause in a signed mandate, the courts at New Delhi shall have exclusive
jurisdiction.
14. Contact
Aarvex Capital Advisory Private Limited, BU-8, SFS Flats, Pitampura, New Delhi 110034.
Email info@aarvexcapital.com.
Privacy Policy
Aarvex Capital Advisory Private Limited · Effective 1 September 2026
This policy explains what personal data we collect, why we collect it,
who we share it with and what rights you have. It is issued under the Digital Personal Data
Protection Act, 2023 and the Information Technology Act, 2000 together with the rules made
under them.
1. Who is responsible for your data
Aarvex Capital Advisory Private Limited, BU-8, SFS Flats, Pitampura, New Delhi 110034, is
the Data Fiduciary in respect of the personal data described here. Where you
are an individual whose data we process, the Act refers to you as a Data
Principal.
2. What we collect
Identity and contact data: your name, the business or entity you
represent, email address and telephone number.
Enquiry data: the type of facility you are seeking and whatever you
choose to tell us about the purpose of the funding.
Business and financial data, where you engage us: financial statements,
audited accounts, GST and tax records, bank statements, order books, projections, details of
existing borrowings and security, constitutional documents, and identity and address
documents of promoters, directors or partners required for lender and statutory checks.
Technical data: your browser makes ordinary network requests when
loading this site. We do not operate advertising or behavioural tracking on it.
Please share only what is needed. Do not send us documents belonging to third parties unless
you are entitled to do so.
3. Why we use it, and on what basis
We process your data for the purposes for which you give it to us, namely: to respond to
your enquiry; to appraise a proposal and prepare the credit file, including spreads,
projections, CMA data and project reports; to identify and approach suitable lenders or
investors on your instruction; to negotiate and assist through to sanction and disbursement;
and to meet our legal, regulatory and record keeping obligations.
We rely on your consent, given when you submit an enquiry or provide
documents for an engagement, and on the legitimate uses permitted by law. You may withdraw
consent at any time, as described in clause 7. Withdrawal does not affect processing already
carried out, and it may mean we can no longer act for you.
4. Who we share it with
This clause matters more than any other in our business, so we state it plainly.
We do not circulate your file to the market. A credit file prepared by
Aarvex is never broadcast to lenders generally, never sent to a distribution list, and never
shared with any bank, financial institution or investor without your express written
instruction naming the institutions to be approached. Placing a proposal selectively,
and only where there is genuine appetite, is the substance of what we do.
Beyond that, we share personal data only:
with professional advisers, such as lawyers, valuers or chartered accountants, where
necessary for the engagement and with your knowledge;
with service providers who process data on our behalf under contractual obligations of
confidentiality and security, limited to what their function requires;
where disclosure is required by law, by a court, or by a regulatory or statutory
authority, or is necessary to establish or defend a legal claim.
We do not sell, rent or trade personal data, and we do not use it for
advertising.
5. Third parties involved in this website
So that you can make an informed choice before submitting the form:
Enquiries submitted through the form on this site are transmitted by
FormSubmit, a third party form relay, which delivers them to our inbox. Your
submission passes through that service and may be processed outside India. If you would
rather not use it, email us directly at
info@aarvexcapital.com or telephone us.
Typefaces are served by Google Fonts and script libraries by
cdnjs. Requests to these providers reveal your IP address to them in the
ordinary course of loading the page.
6. Security and retention
We maintain reasonable security practices and procedures appropriate to the sensitivity of
the information, as contemplated by section 43A of the Information Technology Act, 2000 and the
rules made under it. These include restricting access to those who need it, transmitting the
site over encrypted connections, and requiring confidentiality from those who work with us.
No method of transmission or storage is completely secure, and we cannot guarantee absolute
security.
We retain personal data only for as long as the purpose requires, and thereafter for the
period we are required or permitted to keep records by law, or for as long as it may be needed
to establish or defend a legal claim. When data is no longer required for any of these
purposes, it is erased or anonymised.
If a personal data breach occurs, we will act to contain it and will notify the Data
Protection Board and affected Data Principals as required by law.
7. Your rights
Subject to the conditions in the Digital Personal Data Protection Act, 2023, you may:
ask what personal data we hold about you and how it is being processed;
ask us to correct or complete data that is inaccurate or out of date;
ask us to erase data that is no longer needed for the purpose it was given;
withdraw your consent to further processing;
nominate another individual to exercise your rights in the event of your death or
incapacity;
raise a grievance with us, and thereafter with the Data Protection Board of India.
To exercise any of these, write to the address in clause 9. We may need to verify your
identity before acting on a request.
8. Children
Our services are directed at businesses and adult individuals. We do not knowingly collect
personal data of children. If you believe a child's data has been provided to us, please tell
us and we will delete it.
9. Grievances and contact
For any question, request or complaint about how we handle personal data, contact:
Grievance Officer, Aarvex Capital Advisory Private Limited
BU-8, SFS Flats, Pitampura, New Delhi 110034 info@aarvexcapital.com
We will acknowledge and respond to grievances within the timelines required by applicable
law. If you are not satisfied with our response, you may escalate the matter to the Data
Protection Board of India.
10. Changes to this policy
We may revise this policy as our practices or the law change. The version published here at
the time you use the website is the version that applies, and the effective date above will be
revised accordingly.
