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Arka Fincap Limited (Formerly known as Kirloskar Capital) is licensed by the RBI as a Systemically Important Lending NBFC (Non-Banking Finance Company). Arka Fincap is a wholly owned subsidiary of Kirloskar Oil Engines Limited (KOEL).

Established in 2018, as a professionally managed company, we focus on providing Structured-Term Financing Solutions to Corporates & Loans to Micro, Small & Medium Enterprises (MSMEs) borrowers in India.

At Arka, we bring forth innovative financial solutions that are customer-focused and driven by technology to help achieve the requirements of our customers in a seamless manner.


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.