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Kogta Financial is a rapidly expanding, retail-focused NBFC founded in 1996 by the visionary Kogta family. Headquartered in Jaipur and steered by Arun, Varun, and Nayan Kogta, the company has evolved into a trusted provider of asset-backed credit, offering commercial and passenger vehicle loans, tractor financing, MSME loans, and loans against property. With more than 25 years of domain expertise, a proprietary ERP-based tech backbone, and a network exceeding 260 branches across 12+ states, such as Rajasthan, Gujarat, Maharashtra, UP, Delhi NCR, Punjab, and others, Kogta serves over 250,000 customers from rural, semi-urban, and urban segments.
Kogta operates on a customer-first philosophy—anchored in fairness, efficiency, and transparency. Through minimal documentation, quick disbursal, and personalized service, it appeals to first-time borrowers, small-scale industries, farmers, taxi and transport operators, and mining businesses. Its robust credit-risk framework—devised to price risk per borrower profile—combined with strong liquidity sourced from marquee institutional investors like Morgan Stanley, Creador, Multiples, and Ontario Teachers’ Pension Plan (₹1,230 Cr in Series E, June 2024)—allows the NBFC to maintain high asset quality while growing assets under management at >40% CAGR, presently near ₹4,800 Cr.
Looking ahead, Kogta Financial aims to deepen its reach in underserved markets through contiguous branch expansion and digital enablement, particularly within the MSME and vehicle financing space. Its “freedom to grow” culture, backed by strong governance and a meritocratic yet lean leadership model, primes it to emerge as one of India’s leading NBFCs in asset-backed retail lending.
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Kogta Bank’s Construction Equipment Loan is available to contractors, fleet operators, plant hirers, builders, mining operators, and SMEs involved in infrastructure or construction projects. Applicants must demonstrate a stable source of income, provide basic KYC documents, and meet credit and equipment eligibility criteria.
PAN card, Aadhaar card, passport, voter ID, or driver’s license.
Recent utility bills, Aadhaar, passport, or driving license with current address.
Bank statements for the last 6 months, ITRs, and audited financials (for businesses).
GST registration, firm registration, shop license, or other business ownership documents.
A proforma invoice for new equipment or a certified valuation for used machinery.
Loan track records and foreclosure letters for refinancing requests.
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Kogta Financial provides a wide range of asset-backed loans, including commercial vehicle loans, construction equipment loans, tractor loans, MSME loans, and loans against property.
Eligibility extends to individuals, self-employed professionals, fleet operators, small businesses, and MSMEs engaged in transport, construction, or agriculture-related activities.
Yes, Kogta offers financing for both new and used commercial vehicles and construction equipment, depending on the asset’s age and condition.
The loan amount depends on the borrower’s credit profile, repayment capacity, and asset value. Typically, Kogta offers up to 85% funding on equipment or vehicle cost.
Interest rates are competitive and risk-based, meaning they vary based on the borrower’s profile, asset type, and loan tenure. Rates are shared during the application process.
Kogta offers flexible repayment tenures, usually ranging from 12 to 60 months, based on the type of loan and borrower needs.
You can apply by visiting your nearest Kogta branch, calling their toll-free number, or filling out an inquiry form on their official website or through Desi Machines.
Yes, Kogta has a strong rural and semi-urban presence, with 260+ branches across 12+ Indian states, focusing on underserved and financially excluded regions.
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