Grievance Redressal

PayLedger is a brand operating under Nipun Projects and Finance Private Limited. If you are unhappy with any part of our service, here is how to raise it and how it escalates.

Three levels of escalation

  1. Level 1

    Raise it with us

    Write to us with your name, contact details and what went wrong. Include any reference number you have. We will acknowledge your complaint and work to resolve it.

    hello@payledger.in
  2. Level 2

    Principal Nodal Officer

    If your complaint is not resolved, or you are not satisfied with the outcome, you can escalate it to the Principal Nodal Officer appointed by Nipun Projects and Finance Private Limited under the Reserve Bank Integrated Ombudsman Scheme, 2021.

    Principal Nodal Officer details(opens in a new tab)
  3. Level 3

    RBI Ombudsman

    If your complaint is not resolved within 30 days, or you remain dissatisfied, you may approach the Reserve Bank of India under the Reserve Bank Integrated Ombudsman Scheme, 2021. Complaints can be filed on the RBI complaint management portal.

    cms.rbi.org.in(opens in a new tab)

This mechanism applies to services provided under the PayLedger brand, operated by Nipun Projects and Finance Private Limited.

All regulatory disclosures

Policies, liquidity risk disclosures and annual returns.

View disclosures(opens in a new tab)
PayLedger

Supply chain finance for Indian B2B trade.

Discuss a programme

Solutions

Reserve Bank of IndiaRBI Registered NBFCCoR B-14.01-787

PayLedger is a supply chain finance platform operated by Opticap Holding India Pvt. Ltd. as a Lending Service Provider. Loans are extended by Nipun Projects and Finance Pvt. Ltd., an RBI-registered NBFC.

Submission of any information does not constitute an offer of finance or an approval of credit. All facilities are subject to credit assessment, and to the applicable terms, conditions and documentation.

Nipun Projects and Finance Private Limited

Head office: #448, 3rd Floor, 17th Cross Road, Sector 4, HSR Layout, Bengaluru, Karnataka 560102

Registered office: Office No 58, First Floor, Bhagat Singh Market, Connaught Place, Central Delhi, New Delhi 110001

CIN: U74899DL1993PTC054883

RBI NBFC Reg. No.: B-14.01-787

© 2026 Nipun Projects and Finance Private Limited. All rights reserved.