Built for Performance. Designed for Resilience.
Certus Capital is a specialist asset management firm delivering secured private credit at scale. The firm combines global institutional standards with custom built tech to provide sophisticated credit solutions and predictable, secured returns. Founded to channel deep institutional expertise into secured real estate private credit — advisory first, proprietary investing to follow. In January 2022, the firm commenced secured debt investing and launched its proprietary digital stack Earnnest.me — making institutional-quality secured credit directly accessible to a broad investor base (individuals to institutions), without diluting its governance-first framework. The team brings 175+ years of combined experience across institutional real estate credit — with pedigrees from KKR, Morgan Stanley, GIC, Kotak, Deloitte, ICICI Bank, EY, etc.
Ashish Khandelia
Founder
Chartered Accountant, MBA (Indian School of Business)
Ashish has over 25 years of experience with expertise in Real Estate Investing and Lending. In his earlier roles, he led RE businesses at KKR and Morgan Stanley Real Estate (MSRE) in India. He has ~US$2Bn+ of transaction experience and has been instrumental in building three businesses around real estate banking, equity investing and lending. Ashish founded Certus Capital in July 2018, with a vision to build an integrated real estate investment management platform. He is a management graduate from Indian School of Business, Hyderabad and a Chartered Accountant.
Anisha Babur
Assistant Vice President - Compliance
Company Secretary, Law Graduate
Anisha joined Certus Capital in Jan 2024. She has over 6 years of experience & an in-depth exposure in corporate & core secretarial functions. Among others, her keys areas of expertise include SEBI compliances of debt listed companies, drafting resolutions, policies, form filing and liasioning with statutory authorities. She is a Company Secretary & a Law Graduate.
Sahil Shah
Managing Director
Chartered Accountant, Chartered Financial Analyst (CFA)
Sahil joined Certus in June 2019. An acquisition professional for ~14 years, he has deep underwriting skillset across asset classes including industrial, hotels, office and residential. He is a Chartered Accountant and Chartered Financial Analyst.
Siddharth Pal
Executive Director
MBA (IIM Rohtak), CFA charterholder
Siddharth joined Certus Capital in July 2022. He has over 9 years of advisory, fund raising and debt restructuring experience in Real Estate and BFSI sector. Nature of transactions he has worked on include M&A, private equity, senior debt, mezzanine debt and restructuring across various asset classes of real estate. He has also been involved in insolvency resolution cases. He brings along extensive relationships with real estate companies and institutional investors. Siddharth holds MBA from Indian Institute of Management, Rohtak and B.Tech in Computer Science and Engineering from VIT, Vellore. He is also a CFA Charter-holder from CFA Institute, USA.
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Arisha Mittal
Sr Vice President
MBA (Finance), Executive MBA (IIM Bangalore)
Arisha joined Certus in April 2022. A Fund Raising and Investor Relations professional, she has 15 years of experience with a demonstrated history of raising funds in the private equity space. She is an MBA in Finance and an Executive MBA in General Management from Indian Institute of Management, Bangalore.
Teena Gandhi
Executive Director
Chartered Accountant, Master's Certificate in Investment Management (Bayes Business School)
Teena joined Certus in May 2022. She has over 18 years of experience across real estate, online marketplace & wealth management. Her keys areas of expertise include business designing, operations strategy, project management, financial evaluation and funding. She is a Chartered Accountant and holds a Master's Certificate in Investment Management from Bayes Business School, London.
Rittesh Rathi
Vice President
Rittesh has over 17 years of experience in the financial services industry, with expertise in fundraising and financial product distribution. His expertise includes strategy development, market research, fundraising, team management, and client servicing. He has extensive relationships with national distributors and IFAs.
Siddhant Shah
Assistant Vice President
Chartered Accountant
Siddhant joined Certus Capital in November 2019. Siddhant has about 4 years of real estate investments and transaction advisory experience. He is also a Chartered Accountant.
Kushal Doshi
Assistant Vice President
Chartered Accountant
Kushal joined Certus Capital in September 2022. He has over 10 years of experience in real estate investments ranging from deal evaluation, structuring and asset monitoring. He is a Chartered Accountant and has been involved in debt syndication during his internship.
Gaurav Singhal
Chief Technology Officer
Gaurav is the Entrepreneur & CTO at Earnnest. He is an alumnus of Indian Institute of Technology Bombay'2010 with prior experience of working in consulting & private equity domain with companies such as ZS Associates, GIC & Tata Realty. In 2016, Gaurav founded and bootstrapped Amdigit, a proptech saas startup catering to commercial real estate. He comes with experience in underwriting real estate investments as well as building tech products.
Puja Khandelia
Partner
Ashima Garg
Assistant Vice President
Deeksha Gabra
Analyst
Deep Medatwal
Analyst
Nikita Stokes
PR and Admin Executive
Soham Deshmukh
Analyst
Raman Varma
Associate
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