At Arka Fincap, we know that running a business and dreaming big needs a partner that will walk with you. Whether it’s starting something new, reaching new markets, or growing beyond what you imagined, we believe every goal deserves strong support.
That’s why we offer our Loan Against Property, giving you the freedom to use the value of your residential, commercial, or industrial property to secure the funds you need. Whether you want to buy business stock, meet working capital needs, or renovate and expand your premises, we are here to help you grow. Because Arka hai, aapka apna.
Features & Benefits
Loan up to ₹5 crore
Address your financial needs with a substantial loan up to ₹5 crores. Your loan approval will be determined based on your business’s financial health and the market value of the property you mortgage.
Lower interest rates
The interest rates on our property-backed loans are reasonable, starting from 11% (a variable rate of interest) annually.
Tenure of up to 15 years
Repay your loan amount conveniently with a repayment tenure of up to 15 years.
Multiple end-use options
The facility can be used for productive purposes in the business such as business expansion, working capital, capital equipment purchase, property purchase and balance transfer of existing loans and top up.
Externally benchmarked interest rates
You can opt for an interest rate linked to the Arka Floating Reference Rate (AFRR). This offers a transparent interest rate process and allows you to benefit from favourable market conditions, as the AFRR is periodically reviewed.
WHY CHOOSE ARKA
Competitive interest rates
Get funding at attractive rates designed to support your business growth.
Quick loan disbursal
Faster processing so you can access funds right when you need them.
Loans for every business size
From micro to large enterprises, we serve businesses across industries, cash flow models, and property types.
Enhanced eligibility for disciplined customers
Maintain timely repayments and good banking practices to unlock the best loan eligibility.
Special benefits for manufacturers
Enjoy exclusive offers when pledging or mortgaging industrial properties.
Pre-qualified top-up loans for existing customers
Existing customers can access additional funding within just 1 year.
Easy digital support
Manage your loan seamlessly through our customer portal.
Zero-cost part payments
Make part payments every year after the first year of disbursement, at no extra charge.
Disclaimer
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Arka Fincap Limited ("AFL") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by AFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, AFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Arka Fincap Limited ("AFL") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by AFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, AFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Eligibility Criteria
Nationality
You must be an Indian citizen residing in India with property in a city we operate in.
Minimum age
25 years* (18 years for non-financial property owners).
Maximum age
70 years* (including non-financial property owners). *Age of the individual applicant /co-applicant at the time of loan maturity.
Credit Bureau Score
A Credit Bureau Score of 700 or higher is ideal to get a loan against property from Arka.
Occupation
Self-employed professionals like doctors, and self-employed non-professionals (traders, manufacturers, services) are eligible to apply.
EMI Calculator
Disclaimer
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Arka Fincap Limited ("AFL") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by AFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, AFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Arka Fincap Limited ("AFL") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by AFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, AFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Documentation
- Proof of identity/residence: Aadhaar, passport, voter's ID, driving license, letter from NPR, NREGA job card
- Proof of income
- Property-related documents
- Proof of business (for self-employed applicants) and Bank account statements for the last 12 months
Other Products
The mark ‘Kirloskar’ in the status line is owned by Kirloskar Proprietary Limited and Arka Fincap Limited is the permitted user