Mumbai: Arka Fincap Ltd., a Kirloskar Group company, has launched its secured retail lending platform under the refreshed customer-centric brand identity ‘Aapka Apna’.
With this strategic rollout, Arka Fincap aims to strengthen financial inclusion by offering tailored loan solutions to small business owners and self-employed individuals across India’s Tier 2, 3, and 4 cities.
The company’s new lending products include Secured Business Loans and Used Vehicle Loans, designed to cater to entrepreneurs who often remain underserved by traditional financial systems.
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These offerings are backed by features such as 24-hour disbursals, prepayment flexibility, and personalized relationship management, simplifying the credit journey for grassroots borrowers.
“We are not just offering business loans – we are offering belief,” said Samrat Gupta, Managing Director, Arka Fincap Ltd. “With ‘Aapka Apna’, our aim is to cultivate a culture of trust and empathy through responsible lending supported by technology and local insight.”
Arka Fincap: Customer-First Approach
Arka’s customer-first approach also includes performance-based rewards for timely repayments, reinforcing healthy credit behaviour.
The company’s lending policies are adapted to the geographic and economic realities of its target markets, ensuring context-aware decision-making.
As part of its retail strategy, Arka Fincap is actively expanding its physical footprint with plans to establish 100+ branches by FY25 across Maharashtra, Gujarat, Rajasthan, Tamil Nadu, Andhra Pradesh, Karnataka, and Odisha. This will double in FY26, further solidifying its commitment to underserved regions.
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“Our 3-3-3 strategy – 3x AUM, 3% ROA, and sub-3% GNPA by FY30 – reflects our vision for sustainable, tech-enabled lending that creates long-term impact,” said Anand Bang, CEO, Arka Fincap Ltd.
Parminder Multani, Chief Business Officer – Secured Retail Lending, added, “At Arka, we aim to solve real-world problems, not just disburse loans. Our solutions are designed for speed, personalization, and relevance – empowering entrepreneurs to succeed on their own terms.”
With this launch, Arka Fincap ushers in a new chapter as a next-generation retail lender, blending trust, technology, and local understanding to support India’s growing base of micro and small businesses.
