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Why choose Arka?
At Arka, our strength lies in numbers- but our true success lies in the trust of our customers.
At Arka, we believe that success should touch every corner of the nation. That’s why we offer products that propel our customers in their journey of growth. We are building a network of branches to ensure that we are where our customers thrive. For us, our numbers show more than our impact. They show our commitment in growing alongside our customers.
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We believe that behind every loan application, every request, every conversation lies your dream. Your dream to build, to grow, to secure a better future. Each step you take is a step toward progress, and we recognise our role in walking beside you on your growth journey. That’s why with every loan disbursed and every relationship strengthened, our focus remains on empowering you to achieve your potential. Because for us, what matters most is you. And that’s why, we proudly say, Arka hain, Aapka Apna
Testimonials
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Jatindra Dash
Keonjhar (Odisha)
For many years, I have been running my small fleet of trucks. I currently have 15 trucks, and during the rainy season, maintenance is always a big challenge. This year, I urgently needed money to repair my trucks so they could keep running. I also had some pending loan amounts, and when I reached out to different lenders for a top-up loan, most of them turned me away.
Then I connected with Arka. Their team listened to my problem and understood my business needs. They not only helped me close my old loan but also provided additional funds for truck maintenance. The entire process was smooth, and their guidance on documentation made things easy for me.
Because of Arka’s timely support, I was able to get all my trucks back on the road, even during the tough rainy season. My business could continue without any disruptions, and I now feel more confident about its future. Arka stood by me when others didn’t, and for that, I am truly grateful.
Barige Subbarao
Guntur
I run a small fleet of trucks, and there are always times when we need extra working capital to keep things running smoothly. Recently, I needed funds urgently, but I was also looking for a lender who would understand my situation and offer a solution that truly fits my needs.
That’s when I approached Arka. Their team was very supportive and trustworthy. The process was smooth, with minimum documentation, and the loan was disbursed quickly.
Because of Arka, I was able to meet my working capital requirements without stress. It has helped free up funds so I can focus on growing my business with confidence
Ramnik Vasoya
Gujarat
At Rudra Infrastructure, we were looking to meet our working capital needs through refinancing a few vehicles. Arka’s team impressed us with their professional approach, quick service, and transparent process. The entire experience was smooth, and the loan was disbursed without any delays. Their support has helped us efficiently manage our working capital requirements, and we look forward to working with them again in the future.
Maniyan Muthaliyar
Tiruppur
ARKA gave me the loan, right when I needed it the most. They processed my request in just two days, thereby allowing me to move my business forward seamlessly.
Vivek Tondre
Wardha
After completing my DMLT, I opened my own pathology lab in Yavatmal. Recently, my younger brother also completed his DMLT, and I wanted to help him start his own lab in Ner so that together we could serve more people and grow our network.
For this dream, I needed financial support, and that’s when I turned to Arka. With the trusted Kirloskar name, I felt confident. The entire process was very smooth, and my loan was disbursed quickly without any stress.
Today, my brother’s lab is up and running, and we are expanding our services to more areas. Arka didn’t just give me a loan — they helped me support my family and turn our vision into reality.
Suraj Telrandhe
Wardha
I started small, with just a few cows, supplying milk to one big dairy farm in our area. I always dreamed of growing my business and supplying to other dairies, but for that, I needed to buy more livestock. Money was the biggest hurdle.
When I heard about Arka, I decided to give it a try. I needed the funds quickly, and their team made everything so easy. With minimum paperwork and clear guidance, my loan was approved and disbursed very fast.
Today, because of Arka’s timely support, I am able to expand my farm and grow my business. This has given me hope that one day, I can build a well-known dairy business in my district. I am thankful to Arka for being transparent and standing by people like me when it truly matters.
Dr. Ranjana
Chennai
I was introduced to Arka Fincap through a reference and found them to be very efficient. My loan requirement was to reconstruct my hospital and add more amenities. The entire process was made extremely simple by the Arka Fincap team. They assigned a dedicated relationship manager who supported me throughout the process from documentation and application to even completing the mortgage deed.
The team was very helpful and the loan was processed smoothly, efficiently and quickly. I truly appreciate all their help and service.
Barathidassan
Pondicherry
I run Balaji Petrol Pump. I had been looking for a credit facility for several months and approached several companies, even sharing my documents with them. Then a representative from Arka Fincap contacted me, and compared to others, Arka was much faster.
I needed support with documentation, financials, and technicals, and Arka took care of all these aspects. The loan I received from Arka helped me greatly, and I did not face any problems.
Arka was friendly. Arka was fast. A big thank you to Arka.
Harpreet Singh
Mumbai
We at Marco Air Control Services provide compressor spare parts and servicing for the marine and industrial segments.
We were aptly supported by the Arka Fincap team for funding our growth during diversification into the marine equipment sector. With their support, we were able to make sound financial decisions and increase our inventory of the right products.
I am grateful to the Arka team and would definitely recommend their services to anyone seeking loan against property to upgrade their business including my business associates, friends, and relatives.
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Ahuja Towers, Office No.42/22, 4th Floor, T V Swamy Road (West), R S Puram, Coimbatore, Tamil Nadu - 641002
SriSai Plaza Complex, 2nd Floor, H.No.9-5-13 & 14/II/304, Shutter No.304, JPN Road, Opp. Bharat Petrol Bunk (Kotak Mahindra), Warangal, Telengana - 506002
Door No, 39-6-3, Thota Vivedha 1st Floor, Jaka Venkat Swami Street, Labbipet, Vijayawada, Andhra Pradesh - 520010
2nd Floor, Jaydeep Emphasis, Office No 211, Plot No A-9, Nr Datta Mandir Wagle Estate, Thane - 400604
Milestone Indigo, Office No. O-402, 5th Floor, Near Gujarat Samachar, Udhna Darwaja, Ring Road, Surat, Gujarat - 395002
502, 5th Floor, City Center, Raiya Road, Near Under Bridge, Rajkot, Gujarat - 360001
#9, 1st Floor, 100 feet road, Near Rajiv Gandhi Square, opp. Toyota Showroom, Peter Nagar Pondicherry - 605013
Unit No. 203, Zygon Square, Plot No.1, Block H-1A, 2nd Floor, Sector-63, Noida-201301
Office/Unit No. 401, Fourth Floor, The West High, 236, Whc Road, Nagpur, Maharashtra - 440010
C/o.Wekreate Space, 2nd Floor, No MIG-12, Block No.09, Vishwamanava Double Road, Sarawathipuram, Mysore, Karnataka - 570009
Ganesh Tower, B-30, B-31 , 2nd Floor, Akhaliya Vikas Yojana, Akhaliya circle, chopasni road, Jodhpur, Rajasthan -342008
Shop No. 4, First Floor, Lakshmi Complex, M. I. Road, Jaipur, Rajasthan – 302001
Office No.115, First Floor, Benchmark building, Block No. A3, Scheme No.54, PU4, Opposite Satya Sai School, Vijay Nagar, Indore- 452010
Shop No- 4A, 1st Floor, Sai Vasavi Enclave, Door No. 77/19-A3, situated at Bangalore Bye Pass Road., Opp to Bus Stand, Hosur Town, Hosur-Taluk, Krishnagiri- District, Tamilnadu - 635109
S.C.O. No. 1066-1067, 1st Floor, Sec 22-B, Chandigarh - 160022
Kandi tower, CTS No:- 12995, 1st floor, Near Kotak Mahindra Finance Jalna road, Aurangabad, Maharashtra - 431001
6th Floor, A-605, Sun West Bank, Opp City Gold Theater, Ashram Road, Ahmedabad, Gujarat - 380009
121,/1/1, 1st Floor, Office No.1, Babul Gaon, Santoshi Mata Colony, A/P:-Yeola, Tal:-Yeola,Dist:-Nashik 423401
1st floor, Brijlal Chhangomal building,beside Gulshan Hotel,opp.Punse Hospital,main market,Wardha-442001
1st Floor, SV Pride 1st Floor, East block , Mahanadu road, H.No. 48-16-31,Kamineni Nagar, Revenue Ward 2A, Vijayawada - 520 008.
1St Floor, 19A Officers Line, Vellore - 632001
Unit No.103, A Wing, 1st Floor, BSEL Tech Park Premises CHS Ltd, Plot No.39/5 & 39/5A, Sector 30A, Vashi, Navi Mumbai, Maharashtra - 400703
1st Floor, SS Arcade, 10A/St F,Convent Road Contonement, Trichy - 620001
1st Floor, 522, Tindivanam Main Road, Nochimalai, Tiruvannamalai - 606611
D.No:11(1)/1A, 2nd Floor, R.P.Complex, Pudhu Thottam Main Street, Tiruppur Village, Near State Bank, Tiruppur, Tamil Nadu -641604
1st Floor, Srinivasa Complex, 645-546, Near Aralikattai, Opp to Vijaya Nursing Home, BH Road, Tiptur -572201. Mobile - 8088803606/7892587227
1st Floor, Plot No.9, Shanmuga Padmawati Nagar,Venghathur, Manavala Nagar, Tiruvallur - 631 202.
No 163/4, Natarajapuram North, Medical College Road, Thanjavur – 613004.
Labh Complex 1, FF 1, Opp. MP Shah Arts College, Surendranagar, Gujarat - 363002.
1st Floor, Jalore chouraya above shubh Laxmi restaurant pali road sumerpur rajasthan -306902
No.4, First Floor, Sai Laxmi Nagar, Bangalore Main Road, Opp to Jeya Hospital, Sriperumbudur, Kanchipuram District 602 105.
1st Floor, 118 & 119 sukhadia shopping centre, Sriganganagar (Rajasthan) 335001
1st Floor, At.Post Shikrapur, Shantai Nagar, Shantai Nivas, Talegaon Dhamdhere Road, Shirur, Pune. 412208
1st Floor, Office No .11, Morya Gangai, Maldad Road Facing,Sangamner Pin No.422605
Ground Floor, Patta No 299, Yadav Complex, Remed Chowk, Gopalpali, Sadar, Sambalpur, Odisha 768006
1st Floor, NO: 19,Manivannan road, opp new bus stand,Kandaswarna Mega Mall, Saradha Collage Road, Fairlands, Salem, Tamil Nadu -636004
2nd Floor, Plot No.: 888, Khata No.: 64, Mouza : Rourkela Town Unit- 40, At/Po: Panposh Chowk, Rourkela-769004 (Naresh Enclave)
Door No. 20, Mandaiyan Santhu Road, Sikil Raja Street, Ramanathapuram – 623501. Opp to Seyed Ammal Hospital.
A – 314 & 315, 3rd Floor, RK Iconic, Opp. RK World Tower, Nr. Ayodhya Chowk, 150 Ft. Ring Road, Rajkot, Gujarat - 360006.
1st Floor,46-24-2/1 Konduri Towers 1St Floor Danvaipet Rajhmundry 533102
Amit Shreephal Apartment, Stilt-1st Floor, CTS No.1187/25, Final Plot No.547, Ghole Road, Near Fedral Bank,Above Hotel Naivedya Thali, Shivaji Nagar, Pune, Maharashtra - 411005
2nd Floor, 336, Mahalaxmi Tower, Main Nagaur Road Phalodi, Jodhpur, Rajasthan 342301
MKM, Building,Trichy Main Road, Madhanagopalapapuram, Perambalur, Tamil Nadu 621212.
6th Floor, No. 39/2, T. Dasarahalli, 8 Mile Road, Tumkur Road, Bangalore- 560057
1St Floor, 26/105 Armenian Street,Mannady,Chennai 600001
4th Floor, Office no 404, Neelkanth Landmark, PL-365/1&2A, Panvel 410206
Guptha's MidTown, Beside Chennai Shopping Mall, Guntur Road, Ongole – 523001. AP
1st Floor, Ojha Tower, Bikaner Road, Near Krishi Mandal, Nokha, Bikaner, Rajasthan-334803
1st Floor, Plot no - 826,At/ Po - Nayagarh,Near TVS Show Room,Durga Prasad Main Road,Odisha-752069
Shop No. 506 and 507, 5th Floor, Shree Tirumala Magnizent Apartment, 100 Ft. Ring Road Front, Govind Nagar, Nashik 422009.
First Floor,Shop No.3,Mahavir Complex, Near HP Petrol Pump, In Front of SBI Narayangaon Branch, A/P:-Narayangaon,Tal:-Junner,Dist:-Pune 410504
1st Floor, Opposite NTR Stadium, Barampet, Sattenapalli Road, Narasaraopet, Palnadu Dist, AP 522601
2nd Floor, Plot No.3, Shri Krishna Nagar, inner ring road,near DMART, Nagpur -440024
1st Floor, Khasra No 53 Bikaner Roade Nagaur 341001
3rd Floor, Rajni Plaza, Unit no 301, Shanala Road, Morbi, Rajkot, Gujarat – 363641.
2nd Floor, Rajendra Estate, Opp. Gayatri Temple, Ahmedabad - Mehsana Highway, Mehsana, Gujarat - 384002.
1st Floor,Municipal Khara No-D3/750/1896/F, Sri Complex, 1st Floor, 5th Cross Road, Opp Ddpi Office, RP Road, Subhash Magar, Mandya - 571401, KA
1st Floor, 5/7 Venkatraman Street. Chinna Chokkikulam . Madurai -625002
1st Floor, Yashas Complex, Old Kikkri Road, KR Pet, Karnataka - 511426.
Kuanr Complex, 2nd Floor, In Front Of Icici Bank, Mining Road Jagannathpur, Keonjhar,Odisha ,Pin-758001
Ramaswamy Complex, 100 Feet Road, Karaikudi - 630001
Ground floor, 81/1, TK Nambi Street, Kanchipuram - 631 501.
1st Floor, 2-1-48, Janmabhumi Park Road,Srinagar, Kakinada (Urban) PO Engg College, AP - 533003
202, Trident Plaza, Zanzarda Road, Junagadh, Gujarat – 362001.
1st Floor, Saraswati Nagar, Basni, Jodhpur, Rajasthan 342011
1st Floor, At-Biju Nagar,Infront Of Ujwal Bajaj Showroom,Jharsuguda,Pin-768203
CTS No.209/C1,Bank Street, Divyamarathi Building ,Near Panjab National Bank,Jalgaon 425001
Plot no 1000, 1st Floor, Chorda By pass road, Chorda, Jajpur Road, Jajpur 755019
1st Floor, 6-920 Venkatigiri Gutta, Revenue, 1st Floor,Ward No: 6, Jaggaiahpet, 521 175.
2nd floor, Srinivasa Chambers, Plot no. 28 & 15, Survey no. 66/5 & 66/6, mansoorabad Village, LB Nagar Hyderabad, Telangana - 500068
Vasavi MPM Grand, Unit No.12, Lever 6, 5th Floor, Yella Reddy Guda Road, Ameerpet, Hyderabad, Telangana - 500073
1st Floor, Asian Plaza, above Canara bank, near gada petro pump, Kalaburgi road, Humnabad - 585330
10/E7, 3rd Floor, Sri Krishan Tower, krishna Giri bye pass, hosur, Karnataka - 635109
Shivaganga Complex, 2nd floor, Basaveshwara Badavane College Road, Opp of Punith Rajkumar Ground, Hospet, Karnataka - 583201
1st Floor, Shop 154, one world, motipura, Himatnagar, Gujarat
2nd floor, Legha Tawer Bharat Mata Chok Hanumangarh junction main road Hanumangarh town 335513
126-186/2-Mg-Inner-Ringroad,Gorantla, Revenue Ward 57, Guntur -522034. Opp Chilli’S Dhaba
3rd Floor 2-907/23/2 Opp BTGH , Sedam Road , Kalburgi 585105
1st Floor, House No.1128/6, Amgoan Road,Fulchur Naka,near Hope Heart Hospital,Gondia-441601
Krishnaveni Building First Floor, 42/1, Sathya Road, Erode-638003
Ground Floor, H.No:3B-4-1, Janaki Street, Western Street, Eluru, West Godavari, Andhra Pradesh 534001.
1St Floor, Nsk Complex, 83-B, Thadikombu Road, Dindigul 624 001
2nd Floor, Esquina Plot No 17/2 Opp To Z B Patil College Near Wadibhokar Road Deopur Dhule-424002
14Q 1 Salem By Pass Road, GH Opp, Dharmapuri - 636701
F-26/2, 3rd Floor, Property No.2, Block-F, Pocket-26, Sector-7, Rohini, New Delhi - 110085
Property No. B-36, 3rd Floor (Front Side), Pusa Road, School Marg, Rajinder Nagar, New Delhi - 110005
2nd Floor, Ward No-30(45), Sagar Motors Building, Madhupatna, Cuttack-753010
1st Floor, RP Samy complex, State Bank, NSN Palayam, Coimbatore - 641031.
1st Floor, Maganur Commercial Complex, Bd Road, Chitradurga 577501
1st Floor, 14-1-146/1, Gouse Beig Road, Revenu Ward No.15, Boys High School Road, Opp To Vasavi Cloth Market, Chirala - 523155
2nd Floor, 94, SLN Complex, BB Road, Opp. Maruti Suzuki Bimla Showroom, Chikkaballapur, Karnataka -562101
3rd Floor, Premises No.29, 31/1(13/1), Dr. Nair Road, Above Federal Bank Of India, T. Nagar, Chennai, Tamil Nadu - 600017
Kattagulathur Ondirum, Vallum, GKM Road, Chengalpattu - 603002
1st floor back side, "Arnav Tower",near Cdcc Bank Head Office, Nagpur Road,Chandrapur -442401
1st Floor, Om Plaza, Kirti Stambh, Bikaner Rajasthan - 334001
1st Floor, 9-9-5,Nanda Deep Complex Akkamahadevi Colony Gumpa Road Bidar Karnataka 585 401
#370/1 Ashwini Umesh Arcade, BGS Road Bidadi - 562109
1st Floor, PadmaLila Complex, Saptasati Vihar, Palasuni, Bhubaneswar, Odisha – 751010
208, Second Floor, Maradian Square, Opp. Malabar Gold & Diamonds, Nr. Dakshinamurti School, Waghawadi Road, Bhavnagar.
1st Floor, Swajay Centre, First Floor, No3, HB Colony, Parvathi Nagar, Main Road, Near SP Bungalow, Bellari - 583103
2nd Floor, Plot No 28,sy No66 CMC No. 29-696/28 Tripurant Basavakalyan 585327
1st Floor, Near Truck Union, Krishi Mandi Road,Barmer, Rajasthan, 344001
1st floor, Unit no 12, city centre, plot no 902, kariburu road, near fire station, barbil,Keonjhar,odisha 758035
Kensington Terrace, 1st & 2nd Floor, Terrace No.22, (Old No 1/9, Earlier Plot No 1, Formed In Municipal No. 1) Kensington Road, Ward No 85, Near RMZ Millenia, Halasuru, Bangalore, Karnataka - 560008
2nd Floor, Gawari Tower M Amarnath Hotal And Restaurant -Milk Dairy Ke Pass. Jodhpur Road Balotra ,Barmer Rajsthan, 344022
2nd floor,Khata No. 476/2904, Plot no 860/1386, Mouza-Sahadevkhunta, Balasore Remuna Road, P O Balia, Balasore, Odisha 756056
2nd floor, The Saanjh Hotel, NH55, Hulursingha, Angul, 759122
1st Floor, National House, 140A (formerly 13,14,15), Sahar Road, Vile Parle East, Mumbai - 400057
Raashi Trinity,H-1, 3rd floor,Sainagar Chowk, Sainagar to akoli road, Amravati -444607
2nd Floor,74/15, Pudur Main Road, Ambattur, Chennai - 53.
2nd Floor, Ajay Heights Shriram Chowk Pipeline road Savedi Ahmednagar 414003
1st Floor, FF-2, Nilkanth Avenue – 1, Opp. D.R.T. Court, Mr. Navyug Colony, Nr. Gujarat Vidhyapith, Ashram Road, Ahmedabad, Gujarat – 380009.
(Coming Soon)
2504/05/06, 25th Floor, One Lodha Place, Lodha World Towers, Senapati Bapat Marg, Lower Parel, Mumbai-400013
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Arka Fincap Launches Aapka Apna Lending Model for Tier 2-4 Markets
Mumbai: Arka Fincap Ltd., a Kirloskar Group company, has launched its secured retail lending platform under the refreshed cus... Read More
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View AllKey Loan Terminologies Every Entrepreneur Should Know
Trying to expand your business, but worried about the financial constraints? Availability of a business loan may help you expand your business. The... Read More
Trying to expand your business, but worried about the financial constraints? Availability of a business loan may help you expand your business. The loan also helps you deliver premium quality products and services to your customers. However, it is essential to get a hold of certain business terminologies before beginning the journey.
The following glossary comprises key terminologies that are defined with a clear and concise approach:
1) Loan Tenure
It’s the interval of time during which a borrower reimburses the loan amount back to the financial institution. The duration of a loan cycle may range from a few months to several years, depending on the amount of money borrowed and the rate of interest charged.
2) Interest
It is the sum of money that a company has to pay in addition to the loan amount as a cost of borrowing the funds.
3) Interest Rate
It is the percentage of the business loan that a financial institution charges to the borrowers. It is calculated on the basis of the principal amount of the funds borrowed by a company.
4) Principal
It is the amount of money that one borrows. The amount serves as the foundation for evaluating the interest rate that a borrower has to repay over a fixed period of time. The amount is crucial to determine the period of a loan cycle. A lower principal amount may require borrowers to reimburse the funds at higher interest rates within a shorter timeframe. On the other hand, a higher principal amount may require borrowers to repay their debts at lower interest rates within a longer timeframe. A borrower is obligated to pay back the principal amount along with the interest rate set by the financial company.
5) EMI
Equated monthly instalment is the fixed amount of money that a borrower has to pay to the lending institution until the loan gets paid off. It helps borrowers to easily manage their finances without having to spend large sums of money to meet their business needs. Factors including the principal amount of the borrowed funds, the loan period, as well as the interest rate are considered before calculating the EMI.
Where,
P = principal amount
R = monthly interest rate
n = number of monthly instalments
6) Maturity Date
It is the date on which the principal amount of the borrowed funds becomes due. On this day, a borrower must reimburse the remaining funds in full amount. Ideally, it is the date of the final EMI payment by the borrower, assuming all the preceding payments were made regularly on time. Once the borrower repays the funds, the debt agreement between the borrower and the financial company ceases to exist. Once all the repayment terms have been met on the maturity date, the financial company returns the assets to the borrower in case of secured business loans.
7) Accounts Payable
It is the sum a business has to pay to its vendors and suppliers for providing essential materials, inventory, as well as equipment. Generally, payable items comprise legal fees, contractor payments, supplier invoices, and other charges. Payables are listed as liabilities on the balance sheet along with debts, salaries, and additional costs.
8) Accounts Receivable
It is the money that the customers owe to a company for the services and goods it offers. In other words, it’s the payment a business expects to receive after delivering its products and services.
9) Line of Credit
A line of credit allows a company to avail a specific amount of capital from a lending institution. It’s a financial agreement between the lending institution and the company, which enables the latter to pay back the loan in the form of EMI.
Grasping the business terminologies is necessary to make sensible decisions before availing a business financial solution.
At Arka, we offer tailored secured business loans that can help you boost the productivity of your business or even expand it.