Abhiloans

Secured Consumer Lendingabhiloans.com

Abhiloans, operated by RBI-registered NBFC KNAB Finance Advisors Private Limited, is a digital lending platform offering Loan Against Securities in India to investors and businesses pledging mutual funds, shares, bonds, or insurance policies, with 4-hour disbursal and ticket sizes from ₹10,000 to ₹10 crore.

Company typePrivate
Founded2015
HeadquartersNew Delhi, India
Headcount51–100
GTM typeB2C
OfferingServices

What Abhiloans does

Abhiloans is a digital-first lending platform operated by KNAB Finance Advisors Private Limited, an RBI-registered non-deposit taking non-banking financial company (NBFC) incorporated in India in 2015. The platform offers Loan Against Securities (LAS) products that enable borrowers to access liquidity by pledging mutual funds, shares, bonds, or insurance policies as collateral rather than liquidating their investments. Loan tickets range from ₹10,000 to ₹10 crore at interest rates of 8% to 24% per annum, and the company markets a 4-hour disbursement SLA for completed applications, served across 80+ Indian locations.

The technology stack is built around direct integrations with India's three primary securities infrastructure providers — CAMS and Kfintech (mutual fund Registrars and Transfer Agents) and NSDL (depository) — enabling real-time portfolio verification, eligibility computation, and collateral valuation. Onboarding is fully digital: KYC, e-signature, and e-NACH mandate execution are handled through Digio, and disbursement and repayment transactions route through Razorpay. The product suite spans four core secured loans (against mutual funds, shares, bonds, and insurance policies), an Overdraft Facility, a Promoter Funding product targeting business-entity borrowers, and supporting online calculators for loan-versus-redemption and EMI-versus-overdraft comparisons.

Revenue is generated primarily through interest income on the loan book, supplemented by a one-time processing fee equal to 2% of the sanctioned amount or ₹1,000 + GST (whichever is higher) and annual maintenance charges of up to 0.50% on overdraft facilities. Distribution is fully digital via web and mobile application, augmented by a Partner Empanelment Program that pays ₹1,000 per successful referral after a cooling-off period. Cumulative loan disbursements exceed ₹150 crore, the company reports no publicly disclosed funding rounds, and ownership rests with the promoters of KNAB Finance Advisors Private Limited.

Abhiloans firmographics

Firmographics

Name: Abhiloans
Legal name: KNAB Finance Advisors Private Limited
Website: https://abhiloans.com
Company type: Private
Founded year: 2015
Operating status: Operating
Headcount range: 51–100 employees
Short description: Abhiloans, operated by RBI-registered NBFC KNAB Finance Advisors Private Limited, is a digital lending platform offering Loan Against Securities in India to investors and businesses pledging mutual funds, shares, bonds, or insurance policies, with 4-hour disbursal and ticket sizes from ₹10,000 to ₹10 crore.
Ownership category
akta.pro rank

Abhiloans industry classification

Industry

Product category: Secured Consumer Lending
NAICS: Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)
SIC: Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
akta.pro primary industry: Asset-Based Lending (ABL) (FSANADAD)
akta.pro secondary industry: Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

Loan against securities
Securities-backed lending
Mutual fund loans
Digital lending platform
Instant loan disbursal

Where Abhiloans is headquartered

Location

Headquarters

HQ city: New Delhi
HQ country: India
HQ region: Asia

Offices1 record

Markets served

Abhiloans business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

Interest Income: The primary revenue stream comes from interest charged on loans against securities. Interest rates range from 8% to 24% per annum depending on the product type, collateral quality, and customer profile. Interest can be calculated on flat or reducing balance basis.
Processing Fees: One-time processing fee charged at loan origination. Fee is 2% of the sanctioned loan amount or Rs. 1000 + GST, whichever is higher.
Annual Maintenance Charges (AMC): Annual maintenance charge of up to 0.50% of the sanctioned credit limit, with minimum Rs. 1,000 and maximum Rs. 5,000 + GST. Applicable for Overdraft facility.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Loan Against Securities - Standard Tier

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Abhiloans product offering

Product offering

Core offering

Abhiloans provides secured retail loans against marketable securities — specifically mutual funds, shares, bonds, and insurance policies — through a fully digital onboarding and disbursal workflow. The platform enables individual investors and select business entities to obtain liquidity against their existing investments without liquidating them, with sanctions issued in minutes and disbursal claimed within approximately four hours, no credit check required, and no prepayment charges applied on early repayment.

Product overview

Abhiloans is a digital lending platform operated by KNAB Finance Advisors Private Limited, an RBI-registered non-deposit taking NBFC. The platform offers a unified Loan Against Securities (LAS) product that enables borrowers to access instant liquidity (within 4 hours) by pledging various investment assets as collateral without selling them. The core product portfolio includes four distinct loan types: Loan Against Mutual Funds, Loan Against Shares, Loan Against Bonds, and Loan Against Insurance Policy. These products are supported by supplementary offerings including an Overdraft Facility for flexible repayment, Promoter Funding for business owners, a Partner Program for referral income, and online calculators for loan comparison. Loan amounts range from ₹10,000 to ₹10 crore with interest rates between 8% and 24% per annum, and the platform emphasizes a fully digital, paperless process with no prepayment charges.

Differentiator

Problem solved

Functional benefit

Products and services

Loan Against Mutual Funds

Quantifiable outcome

Loan disbursement within 4 hours upon completion of formalities
+3 more outcomes

Companies that use Abhiloans

Customer profile

Segments2 records

Ideal customer profiles2 records

Abhiloans technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Abhiloans partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core.

CAMS (Computer Age Management Services)coreTechnology or IntegrationCAMS is a SEBI-registered Registrar and Transfer Agent (RTA) that assists mutual fund firms in registering and maintaining precise records of investor transactions. Abhiloans integrates with CAMS for real-time verification and valuation of mutual fund holdings.
KfintechcoreTechnology or IntegrationKfintech is another major RTA in India providing registry services for mutual funds. Integration enables Abhiloans to access and verify mutual fund portfolio data for loan eligibility determination.
NSDL (National Securities Depository Limited)coreTechnology or IntegrationNSDL is a depository that holds securities (shares, bonds) in electronic form. Abhiloans integrates with NSDL to verify and value securities pledged as collateral for loans.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Abhiloans competitors and assessment

Company assessment

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

Abhiloans compliance and trust

Trust signal

Compliance3 records

Abhiloans financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Abhiloans leadership team

Management profile

Number of profiles

Profiles2 records

Abhiloans funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Abhiloans M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Abhiloans

What does Abhiloans do?

Is Abhiloans a public or private company?

Abhiloans is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Abhiloans founded?

Abhiloans was founded in 2015. It employs 51 to 100 people.

Where is Abhiloans based?

Abhiloans is headquartered in New Delhi, India, in the Asia region.

How does Abhiloans make money?

Three revenue lines are on record. Interest Income is the primary driver. The others are processing Fees and annual Maintenance Charges (AMC).

Does Abhiloans have an API?

No public API is recorded for Abhiloans.

What industry is Abhiloans in?

Abhiloans's product category is Secured Consumer Lending. Its primary akta.pro industry code is FSANADAD, Asset-Based Lending (ABL), with a secondary code of FSAHAJAE, Direct Lending — Asset-Based Lending (ABL). Its NAICS code is 522 and its SIC code is 6141.