RBI-registered NBFC · Reg. No. 14.01519

Quick personal loans
from ₹5,000 – ₹50,000

100% digital, minimal documents and money straight to your bank account. Loans offered by Billus Investments Private Limited, an RBI-registered NBFC — with every fee and the full APR shown before you sign.

Check eligibility Calculate EMI
  • Tenure 3–6 months
  • No collateral
  • No foreclosure charges

Representative example: ₹30,000 at 24% p.a. for 6 months — EMI ₹5,356, processing fee + GST ₹2,832, amount credited ₹27,168, total repayment ₹32,135, APR 60.22%. Illustrative only; actual rate (12%–40% p.a.), fees and APR are shown in your Key Fact Statement.

Next Capital app showing a ₹30,000 loan offer with EMI, fees and APR
RBI-registered NBFC lenderBillus Investments Private Limited
Data stored in IndiaConsent-based, encrypted data handling
Transparent pricingFees and APR disclosed upfront in the KFS
Why Kohinoor Fintech

Built to make borrowing simple and fair

No long queues, no endless paperwork — just a clear, quick loan when you need it.

Next Capital app showing EMI schedule and repayment progress

100% paperless

Apply, complete KYC, e-sign and track your loan from the app.

Quick decisions

Fast digital credit assessment, with funds sent straight to your bank account.

Use it for anything

Medical bills, travel, education, home repairs or household needs.

No collateral

Unsecured loans — no assets to pledge, and no foreclosure charges.

How it works

Your loan in 4 simple steps

A 100% digital journey, from sign-up to disbursal.

1

Download the app

Install the Next Capital app and sign up with your mobile number.

2

Complete your profile

Add basic personal, employment and income details.

3

Upload KYC

Verify PAN and Aadhaar digitally — no branch visit needed.

4

Get funds

Review the Key Fact Statement, e-sign, and receive money in your bank account.

Eligibility

Who can apply

Simple criteria — check them in under a minute.

  • Age 21 to 60 yearsResident of India
  • Monthly income ₹10,000 or moreSalaried or self-employed
  • Valid PAN and AadhaarFor e-KYC and credit check
  • Active bank accountIn your own name, for disbursal and EMI mandate
Documents

What you'll need

No physical paperwork — upload everything from your phone.

  • PAN CardIdentity and credit bureau check
  • Aadhaar Carde-KYC and address verification
  • Income proofSalary slip or bank statement
  • Utility billCurrent address proof, if different from Aadhaar
EMI Calculator

Know your EMI and full cost upfront

Move the sliders to see your monthly EMI, the processing fee, the amount you actually receive and the Annual Percentage Rate (APR) — the all-inclusive yearly cost of the loan.

  • Fees shown, not hiddenProcessing fee of 8% + GST is deducted at disbursal
  • No impact on your credit scoreThe calculator is only an estimate
₹5,000₹50,000
12%40%
3 months6 months
Monthly EMI
₹5,356
Total interest₹2,135
Processing fee + GST₹2,832
Amount credited to you₹27,168
Total repayment₹32,135
APR (all-inclusive)60.22%
Apply with this plan

Illustrative figures on a reducing-balance basis. Your actual interest rate, fees and APR are decided after credit assessment and shown in your Key Fact Statement before you accept the loan.

Mobile app

Get the Next Capital app

Apply for a loan, view your Key Fact Statement, track EMIs and manage your account — all from your phone.

GET IT ONGoogle Play
Next Capital app screens: EMI tracker and Key Fact Statement
FAQs

Got questions? We've got answers.

No. Kohinoor Fintech does not lend on its own account. Every loan on the Next Capital app is sanctioned, disbursed and serviced by Billus Investments Private Limited, and your loan agreement is with Billus Investments Private Limited.

Indian residents aged 21 to 60 with a valid PAN, Aadhaar and a monthly income of at least ₹10,000 can apply. Both salaried and self-employed customers are eligible.

Loans range from ₹5,000 – ₹50,000 with a tenure of 3 to 6 months. The amount offered depends on your income, credit history and repayment capacity.

Yes. A one-time processing fee of 8% of the loan amount plus 18% GST is deducted from the amount disbursed. You can see the exact amount in the EMI calculator and in your Key Fact Statement. Nothing is charged before disbursal.

Yes. You can prepay or close your loan at any time; no foreclosure charges apply. Request closure from the app or write to our customer care.

With your explicit consent, the app uses the camera (KYC), location (serviceability and fraud checks), limited SMS access (OTP and financial SMS for credit assessment), device information and the installed-app list (fraud detection). We never access your contacts or call logs. Details are in our Privacy Policy.

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