One Eligibility Check per mobile number is allowed.
You must be an MSME business owner for a minimum of 2 years to apply.
No Kinara Capital representative will ask for a commission or payment to process your loan application. Do not give money to anyone for loan approval or loan processing. For any concerns, email firstname.lastname@example.org.
RBI Registered Company
Get myKinara loan in 3 easy steps!
Instant Eligibility Check
Check if you’re eligible in just 1 minute. Zero document upload required
Secure KYC & income verification
Provide personal & business documents online or to a Kinara officer
Quick loan disbursement
Get money in your account within 24 hours! Completely safe and transparent
Give your business a boost with flexible working capital
“With a loan from Kinara, I set up a new bakery and even bought a signboard. Business has grown by 35% already.”
Sri Sumangali Sweets and Bakery
Buy new or second-hand machinery to grow your business
“We got a loan from Kinara to buy a new CNC machine. Now, our turnover has increased by 60% and we employ 10 people!”
Sri Engineering Company
Automatic discount to women owned-businesses. No separate documentation is required.
“Women can start their own business and become independent. I am a proud owner of 3 shops, thanks to HerVikas for supporting me.”
Al Shams Enterprises
What is myKinara App?
myKinara App is a secure, end-to-end digital loan process for MSMEs to apply for collateral-free business loans and receive a disbursement within 24-hours upon approval. You can access it by clicking on Apply Now on this website or by downloading the myKinara App from Google Play Store. No email is required, you can securely login with OTP.
Who can apply for myKinara collateral-free business loans?
Registered MSMEs in Manufacturing, Trading, Services sectors across these states can apply for myKinara collateral-free business loan: Karnataka, Andhra Pradesh, Telangana, Gujarat, Maharashtra, Tamil Nadu & UT Puducherry. We service over 3,000+ pincodes across 100+ cities in these states.
What is your eligibility criteria?
It is recommended that your business vintage be atleast of 2 years with business turnover minimum of Rs. 50,000/month. You require complete KYC documents of your Business, Applicant, Co-Applicant or Partner, Bank and Income Verification and Address Proof. These include documents such as Personal PAN, Aadhaar, Business PAN, Udyam registration, and 12 months of bank statements. Unless you file GST, this is not mandatory. ITR is not required.
What else should I know about before applying?
For certain sub-sectors (e.g. chemical manufacturing), you must provide Special KYC such as Pollution NOC, Forest Department Clearance. You will be guided during the process to provide this information. As a registered MSME, it is important that you are compliant with all local, state and national laws of India and you do not participate in any illegal or unethical behaviour, for example, you must not hire child labour.
What amount and type of loans can I get? How long does it take to receive a business loan?
You can get business loans in the amount of Rs. 1-30 lakhs within 24-hours from myKinara. MSMEs can get a Working Capital loan for typical business needs, such as business renovations, machine repair, stock purchase, etc. Or, Asset Purchase loan in order to purchase a new machine or second-hand machine for your business. With our HerVikas program, all women-owned MSMEs receive an automatic discount on any loan without a separate application required.
Can I get any help with the application process? I would like to speak to someone from Kinara.
Yes, you can reach us on our toll-free number at 1800 103 2683 from 9:30 am to 5:30 pm for any clarification or help you may require. We can provide support in multiple languages including: Hindi, Tamil, Telugu, Kannada, Gujarati, Marathi and English. You can also choose to give us a Missed Call at 080-68264454.
What is the interest rate for a business loan from Kinara Capital?
The interest on a business loan without property collateral from Kinara Capital ranges between 21% to 30% p.a on a reducing rate basis. Interest rate and loan tenor will be determined based on each.
Are you a registered lender?
Yes, we are a registered non-banking financial company (NBFC) with the Reserve Bank of India (RBI). We have been in operation for 11 years serving the MSME sector in India. The RBI has qualified us as a Systemically Important NBFC.