About Basel
A balance sheet older than the industry it now serves.
Basel Investments Limited has been a registered non-banking financial company since 1998, and a company since 1989. What has changed is how borrowers reach us, not who carries the risk.
Who we are
Basel Investments Limited is a public limited company incorporated at Chandigarh on 10 April 1989, originally as Chandigarh Deposits Limited. It holds Certificate of Registration No. B-06.00059, granted under Section 45-IA of the Reserve Bank of India Act, 1934 by the Reserve Bank of India, Department of Non-Banking Supervision, Chandigarh Regional Office.
The certificate is marked, on its face, not valid for accepting public deposits. Basel is a non-deposit-taking NBFC. It does not solicit, accept or hold money from the public as a deposit, in any form, and no person is authorised to do so on its behalf.
What we finance
Small-ticket, short-tenure unsecured personal credit for individuals, advanced for personal and household requirements, and loans secured on gold, on a new, used or already-owned vehicle, or on property. The purpose is declared as a term of the offer and printed unchanged into the loan documents.
The personal loans are high-cost products relative to longer-tenure secured borrowing, and we do not present them otherwise. What we undertake is that the cost is disclosed completely and in advance: the annual percentage rate is computed against the amount a borrower actually receives, carries the processing fee and the tax on it, and appears in the Key Facts Statement before anything is signed.
Who we serve
Individual borrowers in India, reached through Digital Lending Applications operated by Lending Service Providers that Basel appoints, publishes and remains answerable for. Basel also works with technology platforms that want a lender to take credit onto its own books rather than route it elsewhere.
How we approach credit
A partner may source a borrower, support verification and service the account. A partner does not lend, does not hold the loan and does not receive the money on its way to the borrower. Disbursal is made from Basel’s own accounts directly to the borrower’s verified account.
Every figure that decides what a loan costs is computed on our servers. The application performs no arithmetic on money and treats no locally held figure as authoritative. The state a borrower is in, and the actions available to them, are decided by the backend rather than by the screen in front of them.
Vision & mission
What we are working towards.
Vision
To be the lender that small-ticket digital credit in India can be measured against: not for the volume we write, but for how completely a borrower understands what they have agreed to.
Mission
- Hold the credit we originate on our own balance sheet, and be named as the lender wherever it is offered.
- State the full cost of a loan, in rupees, before a borrower accepts it, never after.
- Appoint partners we would be willing to be judged by, publish who they are, and monitor how they behave.
- Keep a complaint reachable from every screen, and answerable by a person with a name.
Our journey
Thirty-seven years, and the parts that are documented.
1989
Incorporated in Chandigarh
The company is registered with the Registrar of Companies, Chandigarh on 10 April 1989 under the name Chandigarh Deposits Limited.
1998
Registered with the Reserve Bank of India
Certificate of Registration No. 06.00059 is granted on 18 March 1998, authorising the company to carry on business as a non-banking financial institution.
2011
Renamed Basel Investments Limited
A fresh Certificate of Registration, No. B-06.00059, is issued on 30 March 2011 by the Reserve Bank's Chandigarh Regional Office in lieu of the original, in the company's present name and marked not valid for accepting public deposits.
2026
Corporate office at Gurugram
The company registers for Goods and Services Tax in Haryana, establishing a corporate presence at Gurugram alongside the registered office in Chandigarh.
The people responsible for the company.
Board composition, as recorded with the Ministry of Corporate Affairs.
Looking for statutory particulars, policies or filings? Every document we publish is in the regulatory hub.