Details of Certificate of Registration:

Karina Fincap Limited is a registered Non Deposit Accepting Non Banking Financial Company registered under Section 45-IA of the RBI Act with Reserve Bank of India with Registration No.N-14.03250.

The Company is having valid Certification of Registration from Reserve Bank of India, However the RBI does not accept any responsibility or guarantee about the present financial soundness of the Company or for the correctness of any of the statements or representations made or opinions expressed by the Company and for the repayment of debts/discharge of liabilities by the company.

Personal Loan

A personal loan is an unsecured loan, meaning the borrower does not put up any collateral or security to guarantee the repayment of the loan.

  • Rate of interest starting from 60% p.a upto 120% p.a.
  • We also give short term loans.
  • Rate of interest / late payment charges/ processing fees may vary from customer to customer depending on our internal risk calculations, cost of funds, etc.
  • We do not take any collateral in personal loans unless its a loan against a collateral which shall be mentioned on the loan agreement.
  • Do not sign the agreement unless you have read and understood the same.
Features and Benefits
  • Avail loans from Rs. 50,000/- onwards
  • Flexible repayment options
  • Gain quick approval on loans
  • Minimal paperwork and hassle free processing
  • Attractive interest rates.
Checklist for Documentation
For Applicant
  • Completed loan Application
  • Photographs
  • ID Proof: Electoral ID Card/Passport/Driving License/PAN CARD*
  • Residence Proof: VoterID Card/Passport/Electricity Bill/Telephone Bill
  • Bank Statement: 3 Months
  • Bank verification Form
For Guarantor/Co-borrowers
  • Phtotographs
  • ID Proof
  • Residence Proof
  • Bank verification form
Additional Documents required for salaried persons
  • Original salary certificate for last 3 months
  • TDS Certificate-Form 16 or Copy of I.T Returns for the last two financial years,duly acknowledged by I.T Department
For Professional/Self-Employed/Businessmen
  • 3 years I.T Returns duly acknowledged by I.T Deptt/I.T Assessment Orders for computation of Income
  • Copies of challans in respect of advance payment of Income Tax

Salaried Individuals
Self Employed
Age Criteria
The applicant should be above 25 years at the time of application and upto 58 years of age at the time of maturity of loans.
Any proprietor, partner, professional or director above 28 years but below 65 years at the time of the loan maturity
Income Criteria
Gross annual income of at least Rs. 3.50 lakh
Gross annual income of at least Rs. 5.00 lakh
The total employment stability should be more than 2 years and current employment stability of minimum 1year
Current business stability should be 2 years or total more than 3 years

*Approval/ Disapproval of Loan is the sole discretion of Karina Fincap Management