NextCapital

Next Capital – Personal Loan App

Next Capital started with one goal: borrowing money should be simple, honest and quick. We are a digital lending platform that helps you get an unsecured personal loan right from your phone, with every cost shown upfront and no branch visits.

Our Mission
We want to make fair, transparent credit easy to get. Whether it is a medical bill, a family need or an important purchase, you can apply in minutes and get funds directly in your bank account.

Who Can Apply
• Salaried Employees – working professionals with a regular monthly salary
• Self-Employed Individuals – business owners and freelancers with a steady income
• Age: 21 to 58 years
• Indian citizen with a valid PAN, Aadhaar and an active bank account in your name

Why Next Capital?
⚡ Quick Decisions – automated checks give you a decision fast
📲 100% Digital – apply, complete KYC and sign the agreement in the app
🔑 No Collateral – loans are fully unsecured
📑 Minimal Documents – just PAN, Aadhaar and a few basic details
💡 Full Transparency – interest, fees, EMI and APR shown before you accept
🔒 Data Security – your information is encrypted and used only to process and service your loan

Loan Details
– Personal loans up to ₹1,00,000, disbursed by our RBI-registered NBFC partner
– Entirely digital, collateral-free application
– Tenure: 3 months minimum, 24 months maximum
– Interest rate starts at 1.25% per month
– Processing fee: up to 3% of the loan amount, plus 18% GST
– Maximum APR: 60%, inclusive of all applicable fees and charges

Representative Example
Loan amount: ₹50,000
Tenure: 12 months
Interest rate: 22% per annum (reducing balance)
Processing fee: ₹1,500 (3%) + ₹270 GST = ₹1,770
Amount credited to your bank: ₹48,230
Monthly EMI: ₹4,680
Total interest: ₹6,160
Total amount repayable: ₹56,160
Total cost of the loan (interest + fees): ₹7,930
APR: approx. 29.1%

How It Works
1. Sign in with your mobile number and OTP
2. Fill in a few basic personal and work details
3. Complete KYC with your PAN and Aadhaar
4. Check your offer and choose your loan amount and EMI
5. Review the Key Fact Statement and sign the agreement
6. Get the money credited directly to your bank account
7. Repay in monthly EMIs through auto-debit

Lending Partner
(Our RBI-registered NBFC partner disburses loans)
Billus Investments Private Limited
CIN: U67120DL1997PTC085697
Registered Office: SF-19, Aditya Mega Mall, Near Karkardooma Court, CBD East, Delhi, India – 110032
Privacy Policy: https://billusinvestments.com/privacy-policy/

Contact Us
Phone: +91 98991 35137 (Mon–Fri, 10:00 AM – 6:00 PM)
Email: customer.care@nextcapital.in
Office: 87, Pocket C-2, Sushant Lok 1, DLF Ph-III, Gurugram, Haryana – 122010, India

Grievance Officer
Mr. Abhinav Malik
Email: grievanceofficer@nextcapital.in
Phone: +91 98991 35137

Note: Next Capital is a mobile application owned by Kohinoor Fintech Private Limited (CIN: U63119HR2026PTC151787), a company registered under the Companies Act, 2013. Please refer to our Privacy Policy (https://nextcapital.in/privacy-policy/) for more details.
Our lending partner is Billus Investments Private Limited, a registered NBFC (CIN: U67120DL1997PTC085697). Please refer to their Privacy Policy (https://billusinvestments.com/privacy-policy/).

Recent changes:
Welcome to Next Capital
• Apply for a personal loan up to ₹1,00,000, fully online from your phone
Simple Application
• Sign in with your mobile number and fill in a few basic details
• Complete KYC with PAN and Aadhaar in a few steps
Clear Loan Details
• See interest rate, processing fee and EMI before you apply
Track Your Loan
• See your EMI schedule, paid and pending amounts in one place