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PERSONAL LENDING

Personal loans, at Arka, are digital, seamless and paper free.  They have fixed interest rates & tenure, and you can avail it without providing any collateral.

We provide loans for margin funding for home buyers. Eligibility parameters are easier to meet and documentation requirement is minimal, just the right combination for a smooth loan experience.

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DIGITAL LENDING

We have strong digital capabilities to offer faster loan processing and meet the customer requirements in the best possible time. Our systems and products are designed to make the entire process smooth, paperless, and non-physical.
 

We provide end-to-end digital journey inclusive of online loan application, video KYC, algorithm driven credit assessment, eNACH based collections and digital signatures for disbursal of loans to salaried individuals. The entire process can be completed in less than a day.
 

We are constantly looking for partnerships and tie-ups. If you are a fintech or an NBFC doing something innovative, get in touch with us.

We have collaborated with a very well-known fintech partner – HomeCapital (click here to apply)
 
HomeCapital is an Indian Company that has pioneered India’s first Home Down Payment Assistance Program (DPA). This program is designed to address the critical problem of down payment savings for first time home buyers.

Through this partnership with HomeCapital, Arka Fincap aims to cater to a unique segment for margin funding for first time home buyers.


Features:

  • Efficient, Faster processing

  • Paperless onboarding

  • Real time decision/accurate decision-making

  • Instant in-principle approval

  • Improved compliance/security

  • Superior customer experience

  • Digital - Video KYC, eNACH and eSign

  • EMI repayment via eNACH

  • No physical meeting required
     

Other Information:

  • Particulars of Customer Care /Grievance redressal mechanism: Click here 

  • Link to sachet portal: Click here 

  • Privacy policy of the partner: Privacy Policy 

  • Nature of services availed: Customer Acquisition and Recovery

We have collaborated with an innovative fintech partner – GrayQuest (click here to apply)

GrayQuest is an innovative fintech lending company that is working to create customized credit products for the education industry in India. They enable parents and students to pay their education fees in super convenient monthly payments and provide them with privileges and benefits for doing so through various rewards programs.

Through this partnership with GrayQuest, Arka Fincap aims to cater to salaried borrowers for funding education fees.

Features:

  • Efficient, Faster processing

  • Paperless onboarding

  • Real time decision/accurate decision-making

  • Instant in-principle approva

  • Improved compliance/security

  • Superior customer experience

  • Digital - Digital KYC , eNACH and eSign

  • EMI repayment via eNACH

  • No physical meeting required
     

Other Information:

  • Particulars of Customer Care /Grievance redressal mechanism: Click here 

  • Link to sachet portal: Click here 

  • Privacy policy of the partner: Privacy Policy      

  • Nature of services availed: Customer Acquisition, Recovery and Customer Service.

We have collaborated with an innovative fintech partner – LendingKart (click here to apply)

LendingKart Technologies Private Limited is a fin-tech startup in the working capital space. The Company has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s credit worthiness and provides other related services.

The Company aims to transform small business lending by making it convenient for SMEs to access credit easily. The Company uses technology and analytics tools, analyzing thousands of data points from various data sources to assess the creditworthiness of small businesses rapidly and accurately.


Features:

  • Superfast processing

  • No collateral required

  • Real time decision/accurate decision-making

  • Instant in-principle approval

  • Improved compliance/security

  • Superior customer experience

  • Digital - Digital KYC , eNACH and eSign

  • EMI repayment via eNACH

  • No physical meeting required
     

Other Information:

  • Particulars of Customer Care /Grievance redressal mechanism: Click here 

  • Link to sachet portal: Click here 

  • Privacy policy of the partner: Privacy Policy 

  • Nature of services availed: Customer Acquisition and Recovery

We have got into a co-lending arrangement with AKARA Capital Advisors Private Limited using the platform service provided by EQX Analytics (Stashfin) (click here to apply).

Stashfin is a leading financial services platform with a mission to provide access to fair, fast, affordable and transparent financial products for millions of borrowers across India. By providing a simple, clean, efficient and easy to navigate digital platform, Stashfin empowers individuals in helping to take charge of their financial health.

Stashfin provides affordable financial products to borrowers in India to meet their credit needs and is among the top 5 financial services platforms. The firm also strives to create opportunities for borrowers with limited credit footprints to participate in the formal financial system, thereby enabling them to build their credit footprint and successfully embark on a journey of economic freedom.

Features:

  • Easy Online Application

  • Quick Processing Time

  • Immediate Transfer of Funds

  • Superior customer experience

  • eNACH and eSign

  • EMI repayment via eNACH


Other Information:

  • Particulars of Customer Care /Grievance redressal mechanism: Click here

  • Link to sachet portal: Click here

  • Privacy policy of the partner: Privacy Policy

  • Nature of services availed: Customer Acquisition

ARKA Fincap Limited has entered into a co-lending arrangement with AKARA Capital Advisors Private Limited using the platform service provided by EQX Analytics (Stashfin) (click here to apply).

AKARA Capital Advisors Private Limited is a non-Deposit taking Non-Banking Financial Corporation (NBFC) registered with the Reserve Bank of India. AKARA is primarily a digital lender operating 24x7 and has tied up with the financial technology platform “Stashfin” to cater to the various needs of borrowers. AKARA is a Lending Service Provider in this co-lending arrangement and is looking after collection and servicing activities.

Other Information:

  • Particulars of Customer Care /Grievance redressal mechanism: Click here

  • Link to sachet portal: Click here

  • Privacy policy of the partner: Privacy Policy

  • Nature of services availed: Recovery function

Fincap - Personal Lending Home Capital FAQs Content

FAQs

Q1: How much loan can I avail?

Loan amount will depend on the policy agreed with fintech partner.

Q2: How long does the application process take?

The complete process from initiation to completion is digital. If all the documents are available, the disbursement can be completed in 1 day.

Q3: Are your loans secured? What collateral do you require?

No security or collateral is required

Q4: What documentation is required for my application?

-KYC documents of the applicant

-2 years Income documents

-Bank statements

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