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Arka Fincap Limited is a customer-focussed, digitally enabled, systemically important Non-Banking Finance Company (NBFC). We provide secured and unsecured financing solutions to MSMEs, SMEs, developers, and corporates. An RBI-licensed company, Arka was founded in 2018. We pride ourselves in offering innovative financing solutions that enable our customer’s businesses by providing them with growth capital.

Arka has a borrowing of Rs. 2265 Cr from public sector units (PSUs), large private banks, small finance banks, fund houses and others. The AUM stands at Rs. 3960 Cr with the retail AUM increasing to 29%. (All these statistics are as of March 2023)

Crisil has assigned Arka a rating of AA (-) for the long-term borrowings and A1 (+) for the short-term borrowings.

Arka is currently present in 17 cities across West, South and North regions in India and has 300+ employees across all branches.

Arka is a subsidiary of Kirloskar Oil Engines Limited (KOEL).


To enable growth and fulfil the aspirations of our customers through empathy and agility


Our Mission is to provide technology-enabled, innovative and customized financial solutions for an enhanced customer experience.

Fincap - About Us Values Content


The company's success is founded on its unflinching commitment to 6 core values. Each of these values describe what our company stands for, how passionate we are for our work. We are committed to our values, and it always reflects in everything we do.

Own it and be Responsible

Achieve Operational Excellence

Trust in Collaboration

Customer Centric, Every Time


Make Employees Successful

Fincap - About Us Key Focus Content

Key Focus

Strong focus on MSME/SME lending

We strive to build a strong SME financing platform based on sectoral understanding supplemented by a fully integrated technology and analytics platform. An untapped opportunity, we aim to finance businesses across various activities like manufacturing, trading, servicing etc.

Focus on Traditional & Alternate Data

We consider data analytics as a key enabler to drive business growth and simplify the lending process, focusing on serving our borrowers' unique needs. Our strategy is to rely on Traditional Data (Bureau, Banking and Financials) and Alternate Data (such as GST, Transaction data, Social Media etc.) to underwrite our customers.

Incorporating Technology

Digital credit assessment with zero physical human touch for smaller loans and for higher ticket loans, we are developing technology to embrace video-based customer interaction. We are currently incorporating and adopting the new technology for the customer onboarding journey, and it includes Video KYC, Video Personal Discussion, Data Analytics, Artificial Intelligence, Social Media Footprint etc.

Digital Onboarding

We have developed a concrete digital customer onboarding journey for a faster TAT (Turn Around Time) and have thus fast-tracked the disbursement process.