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.

Travel Loan

Karina Fincap Limited provides international travel loan, which includes return air fare, hotel accommodation, local transportation.

We provide a comprehensive travel loan, which covers up to 80% of your total tour package cost, with a minimum travel loan amount to be INR.50,000/-.

  • 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 travel 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.
Loan Eligibility Criteria
  • Minimum age of Travel Loan Borrower: 24 years
  • Maximum age of Travel Loan Borrower at loan maturity: 60 years
  • Minimum employment: Minimum 2 years in employment and minimum 1 year in the current organization
  • Minimum Net Monthly Salary: Rs. 30,000/- per month
  • Minimum Travel Loan Amount Must be Rs.50,000/-
  • CIBIL Decent Score mandatory
Checklist of Documents for Travel Loans
For Applicant
  • Completed loan Application
  • Photographs
  • ID Proof: Electoral ID Card/Passport/Driving License/Pan Card*
  • Residence Proof: Voter ID Card/Passport/Electricity Bill/Telephone Bill
  • Bank Statement: 3 Months
  • Bank verification Form


For Guarantor/Co-borrowers
  • Photographs
  • 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

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