Kashi Capital
- Company typePrivate
- Founded2018
- HeadquartersLucknow, India
- Headcount11–50
- GTM typeB2B
- OfferingServices
Kashi Capital firmographics
Firmographics- Name
- Kashi Capital
- Legal name
- Kashi Capital Private Limited
- Website
- https://kashicapital.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Kashi Capital industry classification
Industry- Product category
- MSME Lending
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Kashi Capital is headquartered
LocationHeadquarters
- HQ city
- Lucknow
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Kashi Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Semi-Secured MSME Loans: Loans provided to micro and small entrepreneurs and self-employed people for working capital, capital expansion, purchase of new machinery or equipment, or diversification of businesses.
- Secured MSME Loans: Loans provided to micro and small entrepreneurs and self-employed people to purchase new fixed assets, technology upgradation, or long-term investments after mortgaging collateral.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Semi-Secured Loan Product |
| Other | Pay-as-you-go | Secured Loan Product |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels2 records
Kashi Capital product offering
Product offeringCore offering
Kashi Capital is an RBI-regulated NBFC that provides MSME business loans to micro and small enterprises (both registered and unregistered) in rural and semi-urban Uttar Pradesh. It offers semi-secured loans for working capital, capital expansion, machinery purchase, and business diversification, and secured loans backed by collateral for fixed assets and technology upgradation. Loans are delivered through a Phygital model combining physical field presence with mobile-friendly digital platforms, big data analytics, and automated workflows for fast turnaround.
Product overview
Kashi Capital offers two core loan products to micro and small enterprises (MSMEs): a Semi-secured Loan Product for working capital, capital expansion, machinery purchase, and business diversification, and a Secured Loan Product for fixed assets and technology upgradation requiring collateral. Both products serve informal/formal businesses in trading, manufacturing, agriculture, and services sectors, with customized solutions anchored on technology and local knowledge.
Differentiator
Problem solved
Functional benefit
Products and services
- Semi-secured Loan Product
Quantifiable outcome
- Quick turnaround time in loan disbursement - amongst the best in the industry
- +2 more outcomes
Companies that use Kashi Capital
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles1 record
Kashi Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature4 records
Kashi Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MicroSaveminorManoj K Sharma, MicroSave's Director - Asia and Pacific, serves as a Senior Advisor to Kashi Capital. He is a development finance and SME specialist with over 24 years of experience across multiple countries. He oversees MFI Development, Value Chains Financing, SME, Environment Financing and Capital Advisory Services Practice Groups at MicroSave.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
Kashi Capital competitors and assessment
Company assessmentBroad incumbents
- Bajaj Finance: India's largest diversified NBFC, with a substantial MSME/small business lending franchise. Comparable as a regulated NBFC serving Indian small businesses; broader product set and materially larger capital base than Kashi.
- SIDBI: India's principal government development bank for MSMEs, providing both direct and indirect financing (including refinance to NBFCs) to India's MSME sector. Sets the institutional backdrop against which Kashi operates and is the natural policy-counterpart in the ecosystem.
- CreditAccess Grameen: Large Indian microfinance institution that also extends small-business/group lending to informal borrowers in rural and semi-urban markets. Overlapping customer profile (informal, rural/semi-urban borrowers) and comparable use of group/joint-liability structures.
Emerging players
- Lendingkart: Digital-first fintech NBFC providing working capital and term loans to Indian MSMEs via automated cash-flow underwriting. Comparable overlap on target borrower and use case; differs on a fully digital (vs. Phygital) distribution approach.
- Indifi Technologies: Fintech platform offering revenue-based financing and term loans to Indian MSMEs and small businesses, including those with thin credit files. Comparable on borrower segment; differentiated by technology-led underwriting rather than field relationships.
Direct peers
- Muthoot Fincorp: Gold-loan-led Indian NBFC that also underwrites SME/MSME credit across semi-urban and rural India. Comparable as a regulated NBFC serving underbanked borrowers with a hybrid physical + digital footprint.
- IIFL Samman Finance: Subsidiary of IIFL Finance focused on MSME lending and microfinance to underbanked borrowers across tier-2/tier-3 India. Direct comparable on customer segment, loan-ticket size, and distribution model.
- Kinara Capital: Indian NBFC focused exclusively on MSME term loans to small businesses, including informal and first-time borrowers. Highly comparable business model to Kashi — collateral-free or lightly secured term lending, regional field presence, and a focus on underserved small enterprises.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Kashi Capital social profiles
Digital presenceKashi Capital compliance and trust
Trust signalCompliance1 record
Kashi Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kashi Capital leadership team
Management profileNumber of profiles
Profiles3 records
Kashi Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kashi Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kashi Capital
What does Kashi Capital do?
Kashi Capital is an RBI-regulated NBFC that provides MSME business loans to micro and small enterprises (both registered and unregistered) in rural and semi-urban Uttar Pradesh. It offers semi-secured loans for working capital, capital expansion, machinery purchase, and business diversification, and secured loans backed by collateral for fixed assets and technology upgradation. Loans are delivered through a Phygital model combining physical field presence with mobile-friendly digital platforms, big data analytics, and automated workflows for fast turnaround.
Is Kashi Capital a public or private company?
Kashi Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Kashi Capital founded?
Kashi Capital was founded in 2018. It employs 11 to 50 people.
Where is Kashi Capital based?
Kashi Capital is headquartered in Lucknow, India, in the Asia region.
How does Kashi Capital make money?
Two revenue lines are on record. Semi-Secured MSME Loans are the primary driver. The others are secured MSME Loans.
Who are Kashi Capital's main competitors?
Broad incumbents on record are Bajaj Finance, SIDBI and CreditAccess Grameen. Emerging players are Lendingkart and Indifi Technologies. Direct peers are Muthoot Fincorp, IIFL Samman Finance and Kinara Capital.
Does Kashi Capital have an API?
No public API is recorded for Kashi Capital.
What industry is Kashi Capital in?
Kashi Capital's product category is MSME Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital. Its SIC code is 6153.