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Kiyansh Capital: Your Best Personal Loan and Financial Services Provider
Kiyansh Capital has emerged as one of the most reliable and customer-focused financial service providers in India, particularly for those seeking personal loans and comprehensive financial solutions in their city. As a Non-Banking Financial Company (NBFC) regulated by the Reserve Bank of India, Kiyansh Capital combines innovation, trust, and transparency to deliver exceptional lending solutions tailored to meet diverse financial needs. Whether you’re facing unexpected expenses, planning a wedding, renovating your home, or managing educational costs, Kiyansh Capital provides the quick, flexible, and hassle-free loan solutions that modern borrowers deserve.
Kiyansh Capital operates as a registered NBFC with CIN number U64990KA2023PTC173137 and NBFC Registration Number N-02.00374, issued by the RBI on October 4, 2024. Incorporated on May 2, 2023, the company is based in Bangalore North with an authorized capital of ₹10.20 crores. The leadership team includes experienced financial professionals – Rahul Jain, Sreepal Jain, and Somanath Nanda – who are committed to redefining access to finance through simplicity, innovation, and trust. This regulatory compliance and strong management foundation position Kiyansh Capital as a safe and dependable choice for borrowers seeking personal loans and other financial services.
What sets Kiyansh Capital apart in the competitive lending market is its unique approach to customer service. The company believes in empowering borrowers to achieve their financial dreams without unnecessary stress. Rather than maintaining outdated lending practices, Kiyansh Capital has embraced technology and digital-first processes to ensure rapid approvals and transparent dealings with every customer. The company’s commitment to financial accessibility extends to serving customers across urban, semi-urban, and rural areas, bridging the credit gap for individuals who might not qualify for traditional bank loans.
One of the primary advantages of choosing Kiyansh Capital is the exceptional speed of the loan approval process. While traditional banks may take weeks or even months to process personal loan applications, Kiyansh Capital delivers decisions within 24 hours of application submission. For pre-approved customers, the process can be even faster, with many borrowers receiving approval within minutes. This rapid turnaround is particularly valuable for those facing medical emergencies, urgent travel needs, or unexpected home repairs where time is of the essence.
The company’s digital-first platform ensures that customers can apply for loans from the comfort of their homes, without visiting branches or dealing with lengthy paperwork. The online application process is straightforward, requiring only basic information and minimal documentation. Once approved, funds are typically disbursed within 24 hours directly to the borrower’s bank account, making it one of the fastest lending solutions available in the market today.
Kiyansh Capital offers unsecured personal loans of up to ₹50 lakhs without requiring any collateral. This means borrowers don’t need to mortgage their homes, pledge vehicles, or offer any other assets as security. This collateral-free approach significantly reduces the risk for borrowers and democratizes access to credit. Whether you own valuable assets or not, you can access funds based on your creditworthiness and repayment capacity, making borrowing more accessible and stress-free.
Understanding that financial needs vary greatly from person to person, Kiyansh Capital offers flexible loan amounts starting from modest sums up to ₹50 lakhs, depending on individual eligibility and requirements. More importantly, borrowers can choose repayment tenures that align with their financial capacity. This flexibility allows customers to select monthly EMI amounts that don’t strain their budgets while still enabling them to access the funds they need immediately.
The customization extends to interest rates as well. Kiyansh Capital offers competitive rates starting from 9.99% per annum, though actual rates depend on individual creditworthiness, income stability, and overall financial profile. This personalized approach ensures that borrowers get terms suited to their specific circumstances rather than one-size-fits-all solutions.
Transparency is a core value at Kiyansh Capital. The company ensures zero hidden charges, with all fees, interest rates, and terms clearly disclosed upfront in the loan agreement. Borrowers know exactly what they’re signing up for, with no surprises during the repayment period. This commitment to transparency extends to the entire customer journey—from initial inquiry to final disbursement.
The company also provides 24/7 customer support for loan-related queries, ensuring that borrowers have access to assistance whenever they need it. Whether you have questions about your eligibility, application status, EMI calculation, or repayment options, Kiyansh Capital’s dedicated support team is available to help.
Kiyansh Capital understands that personal loans serve multiple purposes and life events. The company supports borrowing for various legitimate needs, including medical emergencies, higher education, wedding expenses, home renovation, travel and vacation, debt consolidation, and general personal expenses. This versatility makes Kiyansh Capital a one-stop solution for almost any temporary financial need.
Unlike some lenders that restrict loan usage, Kiyansh Capital provides complete freedom in how borrowed funds are utilized. This flexibility means customers can address their most pressing financial priorities without worrying about loan restrictions or having to justify their borrowing decisions.
Beyond personal loans, Kiyansh Capital (through its finance division) also serves the growing MSME segment in India. The company recognizes the significant credit gap in the informal economy and offers customized financial solutions for small and medium enterprises seeking to expand, upgrade technology, optimize supply chains, or manage working capital. This demonstrates the company’s commitment to broad-based financial inclusion across different customer segments.
The Indian lending landscape has evolved significantly, and NBFCs like Kiyansh Capital have emerged as superior alternatives to traditional banks for many borrowers. Understanding these advantages helps explain why millions of Indians are choosing NBFC personal loans.
Traditional banks follow rigid processes with extensive verification requirements, often taking 5-7 working days or longer for loan approval. In contrast, NBFCs like Kiyansh Capital leverage technology and streamlined processes to deliver approvals within 24 hours, sometimes even on the same day. This speed is crucial for borrowers facing genuine emergencies where waiting weeks is not an option.
Banks typically demand a minimum CIBIL credit score of 750 or higher, which immediately disqualifies millions of Indians. Kiyansh Capital, like other progressive NBFCs, takes a more holistic view of creditworthiness. While credit score matters, the company also considers factors like income stability, employment history, employer reputation, and overall financial profile. This flexibility means borrowers with moderate credit scores, limited credit history, or non-traditional income sources can still qualify for loans.
Where banks demand extensive paperwork—salary slips, bank statements, employment letters, property documents, and multiple supporting documents—Kiyansh Capital requires minimal documentation. Typically, customers need to provide identity proof (Aadhaar, PAN), address proof (utility bills, rental agreement), income proof (salary slips or bank statements for self-employed individuals), and a recent photograph. This dramatically simplifies the application process and reduces approval timelines.
NBFCs like Kiyansh Capital excel at customization. Rather than offering standardized loan packages, the company tailors solutions to individual circumstances. Whether you need a small loan for a few months or a substantial amount with longer tenure, Kiyansh Capital can structure a package that fits your situation. This personalization extends to repayment flexibility, with some borrowers able to modify their EMI schedules if circumstances change.
Unlike traditional banks with their branch-dependent model, Kiyansh Capital operates primarily through digital channels. Customers can apply online, track their application status in real-time, and manage their loan accounts through user-friendly apps and web portals. This digital accessibility is particularly valuable for busy professionals who cannot visit branches during working hours.
To qualify for a Kiyansh Capital personal loan, borrowers typically need to meet the following criteria:
Age and Residency: Applicants should be between 21 and 60 years of age and be Indian residents. This ensures borrowers have sufficient working years to repay the loan while maintaining income stability.
Employment Status: Both salaried employees and self-employed individuals can apply. Salaried applicants should have been employed with their current employer for at least 1-2 years, demonstrating income stability.
Monthly Income: A minimum monthly income is typically required, with most NBFCs setting this at ₹25,000 or higher. This ensures borrowers have sufficient income to manage monthly EMI payments along with other expenses.
Credit Score: While not as stringent as traditional banks, Kiyansh Capital generally prefers applicants with a credit score of 700 or above. However, borrowers with lower scores may still qualify based on other factors like income stability and employment history.
Documentation: As mentioned, minimal documentation is needed—primarily identity proof, address proof, income proof, and employment/business verification documents.
The application process for Kiyansh Capital is straightforward and can be completed entirely online:
Step 1: Visit the Kiyansh Capital website or mobile application. Alternatively, you can contact the company directly at 91306-91306 or email support@kiyanshcapital.com.
Step 2: Check your eligibility by entering basic details like your mobile number. The system will quickly assess whether you meet the criteria for a personal loan.
Step 3: If eligible, fill out the personal loan application form with details such as your full name, date of birth, PAN number, residential information, and employment details.
Step 4: Select your desired loan amount and repayment tenure. Use the EMI calculator on the website to determine what monthly payment fits your budget.
Step 5: Upload the required documents—identity proof, address proof, income proof, and recent photographs. Ensure all documents are clear and properly scanned.
Step 6: Submit your application and wait for approval. With Kiyansh Capital, you can typically expect approval within 24 hours.
Step 7: Upon approval, review the loan offer carefully and accept the terms and conditions. The loan agreement will be generated, and once signed (usually digitally), funds will be disbursed to your bank account within 24 hours.
Kiyansh Capital offers competitive personal loan interest rates starting from 9.99% per annum, making it attractive compared to many other NBFC options. The actual rate you receive depends on several factors:
The company maintains transparent fee structures with clearly stated processing charges, no hidden fees, and no surprise deductions. All costs are disclosed upfront, allowing borrowers to make informed decisions about their loans.
The personal loan market in India has undergone significant transformation. Over the past four years, personal loans have grown at a CAGR of 33%, with NBFC lending now accounting for approximately 58% of retail credit in the country. This shift reflects changing borrower preferences and the recognition that NBFCs offer superior speed, flexibility, and accessibility compared to traditional banking channels.
Several factors explain this trend. First, NBFCs maintain a strong presence in Tier 2 and Tier 3 cities and rural areas where traditional banks have limited branch networks. This expansion has brought financial services to underserved populations, promoting financial inclusion across the country. Second, NBFCs employ alternative credit scoring models that look beyond CIBIL scores, considering factors like business performance, digital transaction history, and social metrics.
Third, the regulatory framework has strengthened NBFC safety. RBI-registered NBFCs like Kiyansh Capital operate under strict compliance requirements, including maintaining a Capital-to-Risk-Weighted Assets Ratio (CRAR) as of March 2024 stood at 26.6% for the NBFC sector, indicating strong financial stability. These regulatory safeguards ensure that borrowers dealing with NBFCs are protected and that their funds are handled responsibly.
When choosing a personal loan provider, trust becomes paramount. You’re entering into a financial relationship that will last months or years, making it essential to work with a lender that prioritizes your interests and operates transparently. Research has shown that trust in lending relationships significantly reduces interest rates and improves overall terms for borrowers. Lenders who operate with integrity and transparency tend to charge lower rates because they’ve established credibility with their customers.
Kiyansh Capital builds trust through several mechanisms: transparent pricing with no hidden charges, clear communication about terms and conditions, 24/7 customer support availability, and a commitment to regulated, ethical lending practices. The company’s NBFC registration with the RBI provides an additional layer of credibility and regulatory oversight, ensuring that customer funds are safe and properly managed.
For residents of Delhi NCR specifically, choosing a reliable local provider like Kiyansh Capital offers additional advantages. The company understands the economic dynamics of the NCR region, including the cost of living and income patterns of local residents. This localized knowledge allows Kiyansh Capital to tailor loan products that make sense for Delhi NCR borrowers.
Delhi NCR, as a fast-growing metropolitan region with diverse industries including telecom, tourism, media, and real estate, has residents with varying financial needs. Some require funds for housing-related expenses in expensive neighborhoods like South Delhi or Dwarka; others need emergency cash for medical bills, education expenses, or sudden home repairs. Kiyansh Capital’s flexible product offerings address this diversity of needs effectively.
The decision to take a personal loan is significant, and the choice of lender is equally important. Kiyansh Capital stands out as one of the best personal loan and financial service providers available today, combining speed, flexibility, transparency, and customer-centricity that borrowers increasingly demand. Whether you’re a salaried professional, self-employed individual, or business owner, whether you need funds for an emergency or a planned milestone, Kiyansh Capital offers loan solutions that align with your needs and circumstances.
The advantages are clear: rapid approval within 24 hours, loan amounts up to ₹50 lakhs without collateral, flexible tenure options, transparent pricing with no hidden charges, competitive interest rates starting from 9.99% per annum, and round-the-clock customer support. Combined with the company’s status as an RBI-regulated NBFC with strong financial stability, Kiyansh Capital represents a trustworthy choice for anyone seeking personal loans or comprehensive financial services in their city.
In today’s fast-paced world where financial needs can emerge suddenly and urgently, having a reliable lender you can count on is invaluable. Kiyansh Capital has established itself as exactly that—a partner committed to empowering your financial aspirations with integrity, innovation, and customer-centric service. Whether facing an unexpected expense or planning a significant life event, consider Kiyansh Capital as your trusted solution for personal loans and financial services.ncial services.
