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* Products Term Loan Upfront lending for funding short-term & long-term growth Working Capital Demand Loan Loans to fund day-to-day operations of business Supply Chain Finance Short-term credit for providing liquiding in the supply chain Co Lending Joint disbursal of loans to borrowers in the priority sector Securitization Transform the illiquid assets into tradable securities Non Convertible Debentures Tools to raise long term funds through a public issue Why Vivriti The edges that makes us stand out for every employee Annual Reports Glance our Annual Reports and Financial statements Endorsements Discover why clients see Vivriti Capital as a growth partner Grievances Our grievance redressal mechanism * the team Values The things that keep us rooted even as we branch out Vision & Mission What drives Vivriti Capital Vivriti Group A overview of india's pioneering mid-market lender Leadership The core team powering us Culture The traits that keep our workplace buzzing Board of Directors The governing body at Vivriti Capital Openings All the hot jobs that are open at Vivriti Capital FAQ's All that you wish to know about Vivirti and were afraid to ask * Investors Sustainability & Impact Our environmental, social & governance initiatives LODR Reg 62 Disclosures Disclosures Under Regulation 62 Of SEBI Digital Lending Driving financial success in the digital age Policies Regulatory Policies And Codes For Governance Vivriti Group Scheme of Restructuring CSR Project Discover our CSR Commitment Public Issue Unlock your financial potential with our public issue Annual Reports All our financial statements Notice & Disclosure Valuation compliance & SEBI disclosures * Media & Insights Press Kit Media Resources Employee Stories Meet the Faces Behind Our Success Webinars & Podcasts Tune in to Expert Talks and Engaging Conversations Bulletin Stay Updated with Latest News & Announcements Reports & Case Studies Our Research and Insights * Tech Technology Platform Cloud Native, Agile and Flexible Data Scalable, Intelligent and Comprehensive Digitalization Modernize, Adapt and Optimize Information Security Compliant, Secure and Robust Menu * Clients * TERM LOAN * WORKING CAPITAL DEMAND LOAN * SUPPLY CHAIN FINANCE * CO LENDING * SECURITIZATION * NON - CONVERTIBLE DEBENTURES * REPORTS * ENDORSEMENTS * GRIEVANCES * The Team * Vivriti Group * Vision & Mission * Values * Culture * Leadership * Board of Directors * Why Vivriti * Openings * FAQ's * Investors * Sustainability & Impact * LODR Reg 62 Disclosures * Digital Lending * Policies * Vivriti Group Scheme of Restructuring * CSR Project * Public Issue * Annual Reports * Notice & Dislosure * Media & Insights * Press Kit * Bulletin * Webinars & Podcasts * Reports & Case Studies * Employee Stories * Tech * Technology Platform * Data * Digitalization * Information Security FOR BUSINESS ENQUIRIES +91 44 4007 4801 vcpl.sales@vivriticapital.com FOR GRIEVANCES +91 44 4007 4801 grievanceredressal@vivriticapital.com Sign Up Log In Enquiry Menu We at Vivriti Capital Limited (“VCL”) caution the members of the public and our users not to fall prey to fake loan offers in the name of VCL and its Lending/NBFC Partners. Such fake advertisements/websites may claim your personal details/financial information, etc. Click here to read our detailed caution notice GROW SMARTER FINANCIAL SOLUTIONS FOR THE INNOVATIVE THINK BOLDER ENTERPRISE DEBT FOR THE RISK TAKERS DREAM BIGGER ACCESS TO CAPITAL FOR FUELING DREAMS SOAR HIGHER PERFORMANCE CREDIT FOR THE AMBITIOUS SCALE FASTER SPEEDY B2B LOANS FOR GAME CHANGERS * 1 * 2 * 3 * 4 * 5 UNLEASHING AMBITIONS PROPELLING ENTERPRISES Access to capital has been the one missing link for thousands of Mid-market enterprises that wish to move to the next level. This is precisely the need gap that Vivriti Capital can help bridge. We can provide high-quality credit and high-grade technology muscle to businesses that don’t have the benefit of a top-notch credit rating. LENDING SOLUTIONS FOR MID-MARKET LENDING MID CORPORATES LARGE CORPORATES SMALL MEDIUM ENTERPRISES RETAILNBFCS CUSTOMISED B2B LENDING TO TURBOCHARGE YOUR BUSINESS We have a vast product suite that can be customised according to business needs. Here's what we offer with great turnaround time and responsiveness Previous SUPPLYCHAIN FINANCE CO LENDING NEW PRODUCTS CAPITAL DEMAND LOAN NON-CONVERTIBLE DEBENTURES SECURITIZATION TERM LOAN WORKING CAPITAL DEMAND LOAN SUPPLYCHAIN FINANCE CO LENDING NEW PRODUCTS CAPITAL DEMAND LOAN NON-CONVERTIBLE DEBENTURES SECURITIZATION TERM LOAN WORKING CAPITAL DEMAND LOAN SUPPLYCHAIN FINANCE CO LENDING NEW PRODUCTS CAPITAL DEMAND LOAN NON-CONVERTIBLE DEBENTURES SECURITIZATION Next TERM LOAN WORKING CAPITAL DEMAND LOAN SUPPLYCHAIN FINANCE CO LENDING NEW PRODUCTS CAPITAL DEMAND LOAN NON-CONVERTIBLE DEBENTURES SECURITIZATION WE GO THE MAXIMUM TO MAXIMISE YOUR POTENTIAL OUTREACH A dedicated team backed by social media outreach makes it easier for you to find us. Our business teams empowered by sector assessment teams understand your needs better. PRODUCT DIVERSITY Empowered with the widest product suite that can be customised among lenders, our product and finance team work closely with you and arrive at the right solution. UNDERWRITING We ensure turnaround time in less than 10 days. By spending time at your workplace and using the power of technology, we understand your business and shorten the onboarding journey time. CONTINUOUS ENGAGEMENT We promise lifelong commitment. Our teams constantly engage with you and promise the highest level of responsiveness to your debt requirements. GET THE VIVRITI ADVANTAGE TO SURGE AHEAD OF THE PACK ACCESS TO CAPITAL CUSTOMER CENTRICITY RAPID TURNAROUND INNOVATIVE PRODUCTS FULL STACK DIGITAL TECH FUTURE READY EASY PROCESSES MID MARKET SPECIALIST +Yrs IN THE BUSINESS ₹+Cr TOTAL AUM ₹k+Cr FINANCE ENABLED + SECTORS + MID-MARKET ENTERPRISES POWERED BY VIVRITI, DRIVEN BY AMBITION Here’s a snapshot of our clients who are speeding ahead on the superhighway of growth. As a startup, MediBuddy has raised both debt and equity on a periodic basis in the past. When we say debt, it has been primarily through venture debt providers as it comes with more flexibility and is easy to access. However, when the time came to think of next steps and way-forward for MediBuddy, we made the call to move our focus from venture debt to traditional lenders or NBFCs who understand our vision. That’s when Vivriti Capital came in as our primary lender, and the speed with which they provide capital is the best we have seen so far! SIVA VENKATARAMAN HEAD OF FINANCE & LEGAL, MEDIBUDDY Vivriti Capital has been one of our early partners and lender. We have been fortunate to be associated with Vivriti for both, managing our working capital and accessing the network of bands. It’s been close to 3 years since our association and what a wonderful journey it has been, growing together! PAWAN GUPTA CO-FOUNDER & CEO, FASHINZA As an entrepreneur, I am happy with the support that Vivriti Capital has extended to Cilicant. Whenever there has been a requirement for funds, I have been more worried about the time with which I can have this arranged. Under normal circumstances, when we approach banks or go via private equity route, the process tends to be very long and tedious. On the other hand, Vivriti ensures that funds are transferred at the time of need and made available when the client requires for a certain business opportunity or transaction to go through. This is how Vivriti Capital makes it a seamless process and offers you a better experience. MANISH JAIN FOUNDER & MD, CILICANT The role of a financier in growing a business, is very important. It is also necessary that they understand the underlying business, because it’s the business that creates numbers. Every business is different and has it’s way of working. Private financiers understand the opportunities and potential that a business holds, which helps in laying down the path for their growth. Vivriti Capital has been a catalyst in SV Agri’s growth journey, and we are happy to be associated with them. HEMANT GAUR FOUNDER & MD, SV AGRI Vivriti Capital has been a great partner to us, and the best part is that the team is quick to understand the business and works to provide tailormade solutions, which prove to be a win-win situation for both the organizations. And we see a lot of synergies with Vivriti in the entire group and look forward to building up this relationship in the years to come. HAKIM UJJAINWALA HEAD OF CAPITAL & RESOURCING, RENTOMOJO Financing plays a very big role in the EV and battery swapping industry, and we are thankful to Vivriti Capital for coming along as one of our first partners. At the time when we came onboard, Vivriti was looking into the future, and it was prescient of them to do so. Since Vivriti, we have seen a lot of traction and a lot of banks have been more acceptive of the sector. There are a lot of banks, especially PSU banks that have shown interest in the sector. People are also getting educated about the EV space and they understand that this is the space to be in. More so, there's government support and they understand the potential this sector holds. ANANT BADJATYA CEO - INDIA, SUN MOBILITY We have been associated with Vivriti Capital for over 2 years now and being one of the largest lenders on our platform, the experience has been very seamless for Bizongo as a platform and the vendors. Vivriti has added a lot of value in terms of understanding their right requirement of onboarding with easy documentation, faster turnaround time, portfolio visibility to the platform payments and so forth. If I compare it to traditional onboarding, Vivriti has understood the nuances of the trade, nuances of the business, understood the kind of data that is imposed by the platform, consumes that data, and then comes out with the right set of limits for those lenders. That's one of the biggest, I would say upside, for being associated with Vivriti. ANKUR BHANDARI HEAD OF SUPPLY CHAIN FINANCE, BIZONGO As a startup, MediBuddy has raised both debt and equity on a periodic basis in the past. When we say debt, it has been primarily through venture debt providers as it comes with more flexibility and is easy to access. However, when the time came to think of next steps and way-forward for MediBuddy, we made the call to move our focus from venture debt to traditional lenders or NBFCs who understand our vision. That’s when Vivriti Capital came in as our primary lender, and the speed with which they provide capital is the best we have seen so far! SIVA VENKATARAMAN HEAD OF FINANCE & LEGAL, MEDIBUDDY Vivriti Capital has been one of our early partners and lender. We have been fortunate to be associated with Vivriti for both, managing our working capital and accessing the network of bands. It’s been close to 3 years since our association and what a wonderful journey it has been, growing together! PAWAN GUPTA CO-FOUNDER & CEO, FASHINZA As an entrepreneur, I am happy with the support that Vivriti Capital has extended to Cilicant. Whenever there has been a requirement for funds, I have been more worried about the time with which I can have this arranged. Under normal circumstances, when we approach banks or go via private equity route, the process tends to be very long and tedious. On the other hand, Vivriti ensures that funds are transferred at the time of need and made available when the client requires for a certain business opportunity or transaction to go through. This is how Vivriti Capital makes it a seamless process and offers you a better experience. MANISH JAIN FOUNDER & MD, CILICANT The role of a financier in growing a business, is very important. It is also necessary that they understand the underlying business, because it’s the business that creates numbers. Every business is different and has it’s way of working. Private financiers understand the opportunities and potential that a business holds, which helps in laying down the path for their growth. Vivriti Capital has been a catalyst in SV Agri’s growth journey, and we are happy to be associated with them. HEMANT GAUR FOUNDER & MD, SV AGRI Vivriti Capital has been a great partner to us, and the best part is that the team is quick to understand the business and works to provide tailormade solutions, which prove to be a win-win situation for both the organizations. And we see a lot of synergies with Vivriti in the entire group and look forward to building up this relationship in the years to come. HAKIM UJJAINWALA HEAD OF CAPITAL & RESOURCING, RENTOMOJO Financing plays a very big role in the EV and battery swapping industry, and we are thankful to Vivriti Capital for coming along as one of our first partners. At the time when we came onboard, Vivriti was looking into the future, and it was prescient of them to do so. Since Vivriti, we have seen a lot of traction and a lot of banks have been more acceptive of the sector. There are a lot of banks, especially PSU banks that have shown interest in the sector. People are also getting educated about the EV space and they understand that this is the space to be in. More so, there's government support and they understand the potential this sector holds. ANANT BADJATYA CEO - INDIA, SUN MOBILITY We have been associated with Vivriti Capital for over 2 years now and being one of the largest lenders on our platform, the experience has been very seamless for Bizongo as a platform and the vendors. Vivriti has added a lot of value in terms of understanding their right requirement of onboarding with easy documentation, faster turnaround time, portfolio visibility to the platform payments and so forth. If I compare it to traditional onboarding, Vivriti has understood the nuances of the trade, nuances of the business, understood the kind of data that is imposed by the platform, consumes that data, and then comes out with the right set of limits for those lenders. That's one of the biggest, I would say upside, for being associated with Vivriti. ANKUR BHANDARI HEAD OF SUPPLY CHAIN FINANCE, BIZONGO As a startup, MediBuddy has raised both debt and equity on a periodic basis in the past. When we say debt, it has been primarily through venture debt providers as it comes with more flexibility and is easy to access. However, when the time came to think of next steps and way-forward for MediBuddy, we made the call to move our focus from venture debt to traditional lenders or NBFCs who understand our vision. That’s when Vivriti Capital came in as our primary lender, and the speed with which they provide capital is the best we have seen so far! SIVA VENKATARAMAN HEAD OF FINANCE & LEGAL, MEDIBUDDY Vivriti Capital has been one of our early partners and lender. We have been fortunate to be associated with Vivriti for both, managing our working capital and accessing the network of bands. It’s been close to 3 years since our association and what a wonderful journey it has been, growing together! PAWAN GUPTA CO-FOUNDER & CEO, FASHINZA EMPOWERING GROWTH ENABLING TRANSFORMATION The Vivriti Group, founded in 2017, is changing the landscape of Mid-market lending lending by empowering unprecedented debt solutions, including easy business capital loans and other specialized mid-market lending products with the power of debt. With a combined AUM of ~ ₹ 6000 Cr, Vivriti manages a diverse portfolio of over 250+ mid-market enterprises across various sectors. Know More WHAT DRIVES US TO DRIVE YOU FORWARD VISION Become India’s largest and the most efficient Mid-market lender. MISSION Provide debt for growth of Mid-market and next gen enterprises at super speed, convenience and efficiency, with a cumulative credit flow of Rs.1 trillion by FY 26 to over 5000 enterprises. * * * * * THE SIX PACK VALUES THAT KEEP US IN SHAPE FOR BUSINESS Imagine being part of a buzzy group that’s democratizing the great Indian debt market and transforming the financial destiny of hundreds of companies. 01 PASSION We are passionate about all things finance, and ensure our customers get the best end of the deal. 02 CLIENT CENTRICITY Creating loyalty by making customers the focal point of all business decisions and deliverables. 03 TEAM-CENTRICITY Flexible work methods that allow our key stakeholders our employees to meet business goals. 04 WORK ETHIC We maintain a clean bill of work ethics that is mimicked from management to execution. 05 HONESTY & INTEGRITY Building sustainable business partnerships through honesty and integrity in every aspect. 06 TRANSPARENCY All our engagements and transactions are completely transparent, a value that is vital in Finance. AMBITION CAN TAKE YOU FAR WITH VIVRITI CAPITAL, YOU'LL GO Imagine being part of a buzzy group that’s democratizing the great Indian debt market and transforming the financial destiny of hundreds of companies. That’s Vivriti Capital for you. Full throttle passion, the brightest minds coming together, the culture of a tech start-up, powered by a vision to be a game-changer. If that peaked your interest, do check out our openings And get ready to bring your A-game to the ride of your life. VIEW OPENINGS OUR INVESTORS THE WIND BENEATH OUR WINGS MEET OUR BOARD OF DIRECTORS THE CATALYSTS BEHIND OUR GROWTH ANITA BELANI Independent Director NAMRATA KAUL Independent Director SANTANU PAUL Independent Director LAZAR ZDRAVKOVIC Nominee Director JOHN TYLER DAY Nominee Director KARTIK SRIVATSA Nominee Director GOPAL SRINIVASAN Nominee Director GAURAV KUMAR Non-Executive Director VINEET SUKUMAR Founder & MD ANITA BELANI Independent Director NAMRATA KAUL Independent Director SANTANU PAUL Independent Director LAZAR ZDRAVKOVIC Nominee Director JOHN TYLER DAY Nominee Director KARTIK SRIVATSA Nominee Director GOPAL SRINIVASAN Nominee Director GAURAV KUMAR Non-Executive Director VINEET SUKUMAR Founder & MD ANITA BELANI Independent Director NAMRATA KAUL Independent Director SANTANU PAUL Independent Director LAZAR ZDRAVKOVIC Nominee Director JOHN TYLER DAY Nominee Director KARTIK SRIVATSA Nominee Director GOPAL SRINIVASAN Nominee Director GAURAV KUMAR Non-Executive Director THE COMPANY WE KEEP Some of the biggest names in the business have been partners in our journey. HOT OFF THE PRESS Press and media coverage of Vivriti Capital from various publications and news outlets. February 26, 2023 WHY DEBT IS NOW THE NEW EQUITY February 22, 2023 COGOS RAISES $1.2 MN IN DEBT FUNDING FROM VIVRITI CAPITAL April 25, 2023 FOR VIVRITI CAPITAL, DEBT’S THE WAY TO GO June 14, 2023 INDIA’S GROWTH CHAMPIONS 2023: A LOOK AT TOP 125 COMPANIES IN INDIA December 04, 2022 DESPITE FUNDING WINTER, SOME ESOP BUYBACKS CONTINUE June 28, 2023 FINTECH NBFCS: FIXING THE CREDIT GAP IN MSMES VIA NEW-AGE SUPPLY CHAIN FINANCING August 10, 2023 VIVRITI TO RAISE UP TO RS 500 CRORE VIA NCD ISSUE August 09 2023 VIVRITI CAPITAL TO RAISE RS 500 CR VIA NON-CONVERTIBLE DEBENTURES ON AUG 18 September 23th, 2022 VIVRITI GROUP'S GAMECHANGERS SUMMIT 2022 CAPTURES THE ESSENCE OF DYNAMIC LEADERSHIP IN DISRUPTIVE TIMES August 10, 2022 VIVRITI COMMITS RS 6,000-CRORE DEBT FINANCING TO HIGH-IMPACT, LOW ESG RISK SECTORS May 12, 2022 VIVRITI CAPITAL RAISES ADDITIONAL $30 MN FROM TVS CAPITAL March 28, 2022 VIVRITI CAPITAL BAGS $55 MILLION IN FUNDING FROM EXISTING INVESTORS Vivriti Capital Limited (formerly known as Vivriti Capital Private Limited) is a fintech NBFC that aims to bring necessary debt finance to hundreds of mid-market enterprises across India. Pioneers in deepening the under-penetrated market and building appetite toward mid-market enterprises, Vivriti manages a portfolio of INR 8800+ Cr across 400+ enterprises and 50+ sectors. In the last six years, Vivriti has built significant expertise and a robust business model through specialized technology, curated products, multi-level underwriting, superior portfolio management and highly effective distribution. With a highly varied product suite, Vivriti enjoys 90%+ client retention and has delivered these unparalleled numbers in the most challenging macro environment that India has seen. COMPANY * ABOUT US * FOUNDERS LEADERSHIP * CORE TEAM * BOARD OF DIRECTORS CREDO * VISION / MISSION * VALUES * WHY VIVRITI? PRODUCTS * TERM LOAN * WORKING CAPITAL DEMAND LOAN * SUPPLY CHAIN FINANCE * CO LENDING * SECURITIZATION * NON - CONVERTIBLE DEBENTURES CAREERS * WORK WITH US * TESTIMONIALS CORPORATE GOVERNANCE * POLICIES * NOTICES & DISCLOSURES * INVESTOR CONTACTS * ANNUAL REPORTS * LODR REG 62 DISCLOSURES * DIGITAL LENDING * TAX DECLARATION * NACH CANCELLATION MENU * CONTACT US * TERMS & CONDITIONS * FRAUD DISCLAIMER * PRIVACY POLICY HEAD OFFICE Prestige Zackria Metropolitan, No.200/1-8, 2nd Floor, Block 1, Anna Salai, Chennai 600002 MUMBAI OFFICE Vibgyor Towers , Unit 502, 5th Floor, Plot No. C-62, BlockG, Bandra Kurla Complex, Mumbai – 400051 FOR BUSINESS ENQUIRIES +91 44 4007 4801 vcpl.sales@vivriticapital.com FOR GRIEVANCES +91 44 4007 4801 grievanceredressal@vivriticapital.com FIND US ONLINE HEAD OFFICE Prestige Zackria Metropolitan, No.200/1-8, 2nd Floor, Block 1, Anna Salai, Chennai 600002 MUMBAI OFFICE Vibgyor Towers , Unit 502, 5th Floor, Plot No. C-62, Block G, Bandra Kurla Complex, Mumbai – 400051 FOR BUSINESS ENQUIRIES +91 44 4007 4801 vcpl.sales@vivriticapital.com FOR GRIEVANCES +91 44 4007 4801 grievanceredressal@vivriticapital.com COMPANY * ABOUT US * FOUNDERS PRODUCTS * TERM LOAN * WORKING CAPITAL DEMAND LOAN * SUPPLY CHAIN FINANCE * CO LENDING * SECURITIZATION * NON - CONVERTIBLE DEBENTURES LEADERSHIP * CORE TEAM * BOARD OF DIRECTORS CREDO * VISION / MISSION * VALUES * WHY VIVRITI? CAREERS * WORK WITH US * TESTIMONIALS CORPORATE GOVERNANCE * POLICIES * NOTICES & DISCLOSURES * INVESTOR CONTACTS * ANNUAL REPORTS * LODR REG 62 DISCLOSURES * DIGITAL LENDING * TAX DECLARATION * NACH CANCELLATION MENU * CONTACT US * TERMS & CONDITIONS * PRIVACY POLICY FIND US ONLINE Copyright © 2023 Vivriti Capital. All Rights Reserved X COMING SOON! Under Construction NACH MANDATE CANCELLATION REQUEST! Please fill in the details to cancel the NACH mandate NACH MANDATE CANCELLATION REQUEST! Please fill in the details to cancel the NACH mandate BORROWER NAME* REQUEST REASON * PRODUCT * Select Product Institutional Co-Lending Supply Chain Finance LOAN ID/ TRANCHE ID/ CUSTOMER ID * NACH AMOUNT * APPLICANT NAME* APPLICANT MOBILE NUMBER * APPLICANT EMAIL * Send X NAMRATA KAUL Independent Board Director Ms Namrata Kaul brings on board over 30 years of global banking experience. She has served as the Managing Director, Corporate and Investment Banking at Deutsche Bank AG. Prior to that she was Head of Asia Business for Deutsche Bank based out of London, involved in multi country interface. Ms Kaul has been involved in developing the strategy roadmap for Deutsche Bank India as part of the India Board and was instrumental in defining and executing the Asia Focus strategy for the EMEA business. She was the founder of Deutsche Bank's Diversity initiative in India. Ms Kaul had earlier worked with ANZ Grindlays Bank in various leadership roles across Treasury, Corporate Banking, Debt Capital Market and Corporate Finance in India and the UK. Ms Kaul serves on the Board of CARE International. She is a Management Postgraduate from IIM Ahmedabad and has completed a Chevening scholarship on Leadership from London School of Economics. X DISCLAIMER / CAUTION NOTICE We at Vivriti Capital Limited (“VCL”) caution the members of the public and our users not to fall prey to fake loan offers in the name of VCL and its Lending/NBFC Partners. It has come to our notice that some unauthorised people have attempted to/may attempt to create fake websites or advertisements on social media platforms claiming association with VCL using VCL’s name and logo. We wish to emphasize that such deceptive practices are in no way endorsed or sanctioned by us. As a responsible and customer-centric organization, we prioritize transparency, integrity, and the protection of our customers' interests. Please be aware that such advertisements/websites may claim your personal details/financial information, etc. PLEASE BE ADVISED THAT: * Official Channels: Our official website (https://www.vivriticapital.com/) and authorized social media channels are the sole platforms endorsed by VCL. Any other websites or advertisements claiming affiliation with us should be approached with skepticism and caution. * Verify Authenticity: Before engaging with any website or advertisement purportedly representing VCL, we strongly encourage you to verify its authenticity. Scrutinize the URL, content, and branding for inconsistencies or discrepancies that may indicate fraudulent activity. * Exercise Caution with Personal Information: We will never solicit sensitive personal information, such as passwords, financial details, or confidential data, through unsolicited emails, advertisements, or websites. Exercise caution and refrain from sharing such information with unauthorized entities. * Report Suspicious Activity: If you encounter a fake website or advertisement falsely claiming association with our company, please report it to us immediately on grievanceredressal@vivriticapital.com. Your assistance in identifying and mitigating fraudulent activity is invaluable in safeguarding the interests of our customers and upholding the integrity of our brand. We remain committed to maintaining the trust and confidence of our customers by upholding the highest standards of ethics, professionalism, and security. Thank you for your continued support and cooperation in helping us combat fraudulent activities targeting our valued customers Please note that any person dealing with such fraudsters will be dealing at his/her own risk and responsibility. VCL will not be responsible for any loss suffered or otherwise in this respect. Close