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This Disclosure outlines important information about the services, operations, and legal obligations of Everlight Holdings Pvt Ltd. As a trusted financial partner, we aim to provide transparency to our users and clients regarding our business practices, regulatory compliance, and the nature of our financial products. By accessing our website, engaging with our services, or interacting with us, you acknowledge that you have read, understood, and agree to the terms and information presented in this Disclosure. We encourage you to review this document carefully to make informed decisions about using our services.
Everlight Holdings Pvt Ltd is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) under the ICC classification (Base Layer). Established in 1989, we have been serving clients for over 35 years with a commitment to trust, innovation, and customer-centric financial solutions. Our registered office is located at 6 Brabourne Road, 4th Floor, Kolkata, West Bengal 700001. We hold the Corporate Identification Number (CIN) U65993WB1989PTC046526, reflecting our legal status as a private limited company incorporated in India. Our services include business loans, credit lines, financial analysis, taxation planning, investment trading, and financial partnership solutions, catering to both B2B and B2C clients. We operate Monday to Saturday, 9:45 AM to 6:30 PM, and can be reached at everlightnbfc@gmail.com or +91 78388 01660.
The purpose of this Disclosure is to provide clear and transparent information about our operations, regulatory status, financial services, and the risks associated with our products. This document is intended to help you understand our role as an NBFC, the nature of our services, and the legal and financial considerations you should be aware of before engaging with us. It also ensures that we meet our obligations under Indian laws, including RBI regulations, and maintain transparency as required for running Google Ads on our website. This Disclosure applies to all users of our website, clients availing our services, and individuals who interact with us through email, phone, or in-person visits.
Everlight Holdings Pvt Ltd is an RBI-registered NBFC (ICC classification, Base Layer), operating in full compliance with the Reserve Bank of India Act, 1934, and the Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC) guidelines. We are classified as a Base Layer NBFC, meaning we adhere to specific regulatory requirements designed to ensure financial stability and consumer protection. Importantly, we do not hold a Certificate of Registration (CoR) for accepting public deposits, and therefore, we do not accept or hold public deposits. All our financial activities, including offering business loans, credit lines, and investment trading services, are conducted in accordance with RBI regulations and other applicable laws, such as the Companies Act, 2013, and the Information Technology Act, 2000, for data protection. We are committed to maintaining high ethical standards and transparency in all our operations, ensuring that our clients can trust us as a reliable financial partner.
Everlight Holdings Pvt Ltd provides a range of financial services designed to support both businesses and individuals. Our offerings include:
These services are provided with a focus on innovation, trust, and a customer-centric approach. However, all financial products involve risks, and outcomes are not guaranteed. For example, a business loan may come with interest rate fluctuations, and investment trading services are subject to market volatility. We encourage clients to carefully assess their financial needs and risks before engaging with our services.
Engaging with financial products such as business loans, credit lines, and investment trading involves inherent risks that you should understand before proceeding. These risks include, but are not limited to:
Everlight Holdings Pvt Ltd does not guarantee specific outcomes from using our services. We strongly recommend consulting with a financial advisor or professional to evaluate these risks and determine if our services align with your financial goals and risk tolerance.
The information provided on our website, including details about our services, interest rates, eligibility criteria, or financial strategies, is for general informational purposes only. It does not constitute personalized financial, investment, tax, or legal advice. For instance, a blog post about the benefits of a credit line is meant to educate, not to recommend a specific financial decision for your business. We do not take into account your individual financial situation, goals, or risk tolerance when providing this information. If you require advice tailored to your circumstances, you should seek guidance from a licensed financial advisor, accountant, or legal professional. Any decisions you make based on the information on our website are at your own risk, and Everlight Holdings Pvt Ltd shall not be held liable for any outcomes resulting from such decisions.
To the fullest extent permitted by law, Everlight Holdings Pvt Ltd, its directors, employees, affiliates, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website, services, or reliance on the information provided. This includes damages for loss of profits, business opportunities, data, or any other financial loss. For example, if you apply for a business loan and your application is denied due to eligibility criteria, we are not responsible for any financial impact this may have on your business plans. Similarly, if there are errors, omissions, or outdated information on our website—such as an interest rate that has changed—we shall not be held accountable for any decisions you make based on such content. We do not warrant that our website or services will be error-free, uninterrupted, or free from viruses or other harmful components.
Everlight Holdings Pvt Ltd may collaborate with third-party service providers to facilitate our operations and services. These third parties may include credit bureaus for credit checks, payment processors for loan disbursals, or IT providers for website maintenance. We are not responsible for the actions, errors, or omissions of these third parties. For example, if a payment processor delays a loan disbursal, we shall not be held liable for the delay or its impact on your business. Additionally, our website may contain links to third-party websites, such as the RBI website or financial tools, for your convenience. We do not endorse or control these websites and are not responsible for their content, accuracy, or privacy practices. Accessing third-party websites is at your own risk, and we recommend reviewing their terms and policies before use.
We strive to ensure that the information on our website is accurate and up to date as of June 13, 2025. However, financial markets, regulations, and our services may change over time. For instance, loan interest rates or eligibility criteria mentioned on our site may be updated due to market conditions or RBI policy changes. We do not guarantee that all information will always reflect the most current conditions. It is your responsibility to verify the accuracy of information before making decisions. Everlight Holdings Pvt Ltd shall not be liable for any losses or damages arising from reliance on outdated or inaccurate information. If you need the most current details, please contact us directly at +91 78388 01660 or everlightnbfc@gmail.com during our business hours.
As an NBFC, Everlight Holdings Pvt Ltd is committed to acting in the best interests of our clients while maintaining transparency about potential conflicts of interest. In some cases, we may receive commissions, fees, or other benefits from third parties, such as financial partners, for referring clients or facilitating services. For example, we may receive a fee from a credit bureau for accessing your credit report during a loan application process. We will disclose any such arrangements to you where required by law or where they may materially impact your decision to engage with our services. Our primary goal is to ensure that our services align with your financial needs, and we take steps to mitigate any conflicts that may arise.
This Disclosure and your use of our website and services are governed by the laws of India. Any disputes arising from your interaction with Everlight Holdings Pvt Ltd shall be subject to the exclusive jurisdiction of the courts in Kolkata, West Bengal. By using our website or services, you agree to submit to the jurisdiction of these courts for the resolution of any legal disputes. For example, if a disagreement arises regarding the terms of a credit line, it will be resolved through the courts in Kolkata, in accordance with Indian laws. We encourage you to seek legal advice if you have questions about your rights or obligations under this Disclosure.
Everlight Holdings Pvt Ltd reserves the right to update or modify this Disclosure at any time to reflect changes in our services, legal requirements, or business practices. We encourage you to review this Disclosure periodically to stay informed about our practices. Your continued use of our website or services after any changes constitutes your acceptance of the updated Disclosure. For example, if we update our terms regarding third-party relationships, your continued engagement with our services will indicate your agreement to those changes.
If you have any questions, concerns, or need clarification about this Disclosure, please feel free to reach out to us:
We are committed to addressing your inquiries and ensuring transparency in our operations as your trusted financial partner.