We focus on providing MSME finance ("Micro, Small and Medium Enterprises finance”) / business finance / micro loans / small business loans to both informal and formal businesses operating in India.
India has 63.3 million MSMEs. Although they play a vital role in the Indian economy, only 5% of MSMEs access finance from formal / institutional sources. Amongst these businesses 96% (61 million) are informal in nature lacking access to finance. Due to lack of formal records these small-scale businesses are often side-lined and considered risky by mainstream financial institutions. Kashi Capital has developed several innovative and proprietary loan solutions for such customers that is anchored on technology, local knowledge and in depth understanding of the informal records used by the enterprise segments in India .
Kashi Capital has been founded to leverage upon its founder’s global MSME experience while finding solutions for local Indian problems. It is truly a customer-centric, technology driven organisation with a strong corporate governance at the core offering customised loans to MSMEs, through a well organised expansion strategy, anchored on right people, focussing on delivering excellence in customer service to the target customer, and reaching them effectively. Thus, Kashi Capital strives to make a mark for our-selves and for the enterprises supported.
We operate in those geographies which are typically non-glamorous from a traditional banking lens. A significant portion of customers have no prior credit history and a majority of them only have informal records. Some of them are within the poorest districts of the country while others don’t rank high on health and socio – cultural parameters.
We at Kashi Capital believe that inclusivity in society can only be effected when the rural / semi-urban “Bharat” grows simultaneously with urban "India". By providing access to finance to micro and small enterprises in the most economically underdeveloped states in India we are driving financial inclusion in the geographies where it is needed the most. Our efforts help in the creation of vibrant local economies that benefits the households of the entrepreneurs while improving their monthly incomes, affording better schooling to their children, and enhancing their health and sanitation.
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