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Kinara Capital


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Startup500-1000 EmployeesBanking / Financial Services / Insurance


AboutKinara Capital

Kinara Capital is an award-winning social enterprise based in Bangalore addressing the INR 1 Trillion* debt gap between micro-finance and commercial capital by providing collateral free loans in the range of Rs.1,00,000 to Rs.20,00,000 for asset finance and working capital to MSMEs. Kinara has 90+ Branches in 6 states and current staff strength of 900+ people.Traditional banks are generally unwilling to make small ticket loans to these micro and small enterprises due to the perceived risk of such businesses especially without some form of collateral. Microfinance institutions have been able to successfully provide small uncollateralized loans to individuals and community groups however, based on regulations in place, microfinance loans are capped at Rs 100,000 (~$2000). Whilst informal lending through local money lenders is readily available, the annualized interest rates charged can be as high as 80%-100%.There is a large funding gap between microfinance and commercial capital that can be filled by a formalised lending process to micro and small enterprises and it is this “missing middle” market that Kinara Capital seeks to address through its innovative business models and products.

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