Northern Arc Capital — Digital Lending Partnerships & Profile
Northern Arc Capital Limited. NBFC in India's digital lending ecosystem, with 43 tracked digital lending partnerships.
Snapshot
Reading the data
Northern Arc Capital is an RBI-registered NBFC, rated ICRA AA- / Stable, listed (NSE), with ₹13,634 Cr in AUM as of 2025-03. Our Market Map tracks 43 digital lending partnerships for Northern Arc Capital, including 1T9 Technology Private Limited, Balancehero India Private Limited and EQX Analytics Private Limited. Cost of funds runs at 8.5–9.4% as of 2025-03 — the single most important number for judging what partnership economics it can support. Product focus: business/MSME loans, microfinance, consumer durable loans, supply chain finance across tickets of ₹10K–₹50 Cr and tenures of 3–120 months. Worth knowing: Consolidated AUM per CareEdge Oct 2025. CoF from investor pres. D2C retail plus wholesale NBFC lending.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| OTO: Buy Bikes at lowest price | 1T9 Technology Private Limited | Google Play Store |
| OTO Capital | 1T9 Technology Private Limited | Website |
| TrueBalance-Personal Loan, UPI | Balancehero India Private Limited | Galaxy Store |
| Stashfin | EQX Analytics Private Limited | Website |
| Stashfin: Loans, Bonds More | EQX Analytics Private Limited | Apple App Store |
| Stashfin Personal Loan Bonds | EQX Analytics Private Limited | Google Play Store |
| Finnable: Personal Loan App | Finnable Technologies Private Limited | Apple App Store |
| Easy Personal Loan - KreditBee | Finnovation Tech Solutions Private Limited | Apple App Store |
| Krazybee | Finnovation Tech Solutions Private Limited | Website |
| KreditBee | Finnovation Tech Solutions Private Limited | Oppo |
| KreditBee - Instant Personal Loan Online | Finnovation Tech Solutions Private Limited | Xiaomi Global App |
| KreditBee - Instant Personal Loan Online App | Finnovation Tech Solutions Private Limited | Galaxy Store |
| KreditBee: Personal Loan App | Finnovation Tech Solutions Private Limited | Indus App Store |
| Finplex | Finplex Technologies Private Limited | Website |
| Indifi Technologies Pvt Ltd | Indifi Technologies Pvt Ltd | Website |
| Indifi Unsecured Business loan | Indifi Technologies Pvt Ltd | Google Play Store |
| Lendingkart | Lendingkart Finance Limited | Website |
| Lendingkart: Business Loan App | Lendingkart Finance Limited | Google Play Store |
| Moneyview | Moneyview Private Limited | Indus App Store |
| Moneyview: Loans, Credit Cards? | Moneyview Private Limited | Apple App Store |
| Moneyview: UPI, Personal Loans | Moneyview Private Limited | Google Play Store |
| Moneyview: UPI, Personal Loans, Credit | Moneyview Private Limited | MI App store |
| Mobikwik | One Mobikwik Systems Limited | Website |
| MobiKwik: BHIM UPI Wallet | One Mobikwik Systems Limited | Apple App Store |
| Paytm for Business | One97 communications Ltd | Apple App Store |
| Paytm: Secure UPI Payments | One97 communications Ltd | Apple App Store |
| Kissht | OnEMI Technology Solutions Limited | Play Store |
| Kissht IOS | OnEMI Technology Solutions Limited | App store |
| Ring | OnEMI Technology Solutions Limited | Play Store |
| NORTHERN ARC CAPITAL LIMITED | Self-owned | Google Play Store |
| NIRA Instant Personal Loan App | Shuhari tech ventures PVT LTD | Google Play Store |
| Slice | slice Small Finance Bank Ltd | Google Play Store |
| Slice: bank at RBI repo rate | slice Small Finance Bank Ltd | Apple App Store |
| Olyv: Loans & Credit Score | Smartcoin Financials Private limited | Google Play Store |
| Olyv (SmartCoin) Personal Loan | Smartcoin Financials Private limited | Indus App Store |
| Fibe Quick, Easy Personal Loan | Social Worth Technologies Pvt Ltd | Apple App Store |
| CASHe | TSLC Pte Ltd with a sub-license to Bhanix Finance and Investment Limited | Website |
| CASHe: Loan & Credit Line App | TSLC Pte Ltd with a sub-license to Bhanix Finance and Investment Limited | Apple App Store |
| CASHe: Online Instant Loan App | TSLC Pte Ltd with a sub-license to Bhanix Finance and Investment Limited | Google Play Store |
| Unicard | Uniorbit Technologies Private Limited | Website |
| Uni Cards | Uniorbit Technologies Private Limited | Apple App Store |
| Uni : GoldX NX Credit Card | Uniorbit Technologies Private Limited | Google Play Store |
| WeRize Customer App | Wortgage Technologies Private Limited | Google Play Store |
Frequently asked questions
Who are Northern Arc Capital's digital lending partners?
Northern Arc Capital has 43 digital lending partnerships tracked in the RBI digital lending registry, including 1T9 Technology Private Limited, Balancehero India Private Limited, EQX Analytics Private Limited, Finnable Technologies Private Limited.
What is Northern Arc Capital's AUM and cost of funds?
Northern Arc Capital reports AUM of ₹13,634 Cr (2025-03) and cost of funds of 8.5–9.4%, per public filings and rating documents.
What products does Northern Arc Capital offer through digital lending?
Northern Arc Capital is active in business/MSME loans, microfinance, consumer durable loans, supply chain finance, with ticket sizes from ₹10K to ₹50 Cr.
How do I evaluate Northern Arc Capital as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Northern Arc Capital fits your model, and compare alternatives on the Market Map.
Does Northern Arc Capital fit your lending model?
Answer three questions and see which partners match your product, rate band, and ticket size — Northern Arc Capital included.
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Primary source type: Rating-Rationale. Data confidence: High. Batch B2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.