Building a Financially Inclusive India, One Loan at a Time
ICUC Capital Micro Finance Private Limited was founded with a singular mission: to make financial services accessible to every Indian — from the aspiring entrepreneur in a small town to the home-buyer in a metro city.
Headquartered at Sun Plaza, Vasai East, Maharashtra, we operate as a fully RBI-registered NBFC-MFI with a portfolio spanning Business Loans, Group Loans,Personal Loan and more. Every rupee we lend carries the promise of transparency, dignity, and genuine support.
- ✓Fully RBI-registered NBFC-MFI with complete regulatory compliance
- ✓Over 10,000 satisfied borrowers across Maharashtra and pan-India
- ✓Dedicated relationship manager for every single customer
- ✓Zero hidden charges — complete transparency from day one
- ✓Flexible repayment plans designed around your income cycle
- ✓Special women empowerment loans through JLG Group Lending
The People Behind ICUC Capital
Guided by decades of financial-services experience, ICUC Capital combines strategic leadership, responsible lending and deep understanding of India's diverse credit ecosystem.
Mr. Nitin Tiwari
Director — ICUC CapitalDynamic financial-services professional with 7+ years of experience across the BFSI sector.
Leadership Profile
Mr. Nitin Tiwari brings a powerful combination of strategic vision, operational excellence and industry knowledge to ICUC Capital. His experience includes leadership roles with Selfin India Financial Services, Ambit Finvest Financial Services Pvt. Ltd., New India Co-operative Bank Ltd., and MAS Financial Services Limited.
Core Expertise
His strength lies in building high-performance sales teams, establishing robust collection frameworks and maintaining healthy portfolios while keeping customer satisfaction and financial inclusion at the centre.
To make formal credit accessible to every aspiring Indian, because small capital can create big change.
Mr. Luxmansharan Tiwari
Founder & DirectorVeteran financial-services professional with 25+ years of experience in secured and unsecured lending.
Leadership Profile
Mr. Luxmansharan Tiwari is the Founder and visionary force behind ICUC Capital. With more than two and a half decades of hands-on experience, he brings deep expertise across the complete credit lifecycle — from sourcing and underwriting to disbursement and portfolio health.
Core Expertise
His leadership philosophy focuses on balancing business growth with strong portfolio quality, ethical practices, banking relationships and technical excellence.
True finance is not just about disbursing loans, it's about building a legally strong, technically sound and financially sustainable future for our customers.
Trust. Transparency. Technical Excellence.
Building finance that creates real opportunity.
Every Dream Deserves the Right Loan
From buying your dream home to scaling your business — our diverse portfolio of 8+ loan products is designed to fuel every kind of ambition, backed by India's most trusted microfinance team.
Business Loan
Scale your MSME, fund inventory, or expand operations with our flexible business loans designed for entrepreneurs who are ready to grow without cash flow worries.
Quick Disbursal Apply Now →Personal Loan
Cover medical emergencies, weddings, education, or travel with unsecured personal loans processed at lightning speed — no collateral, no guarantor required.
No Collateral Apply Now →Group Loan (JLG)
Joint Liability Group loans empowering women, SHGs, and community members with collective lending — fostering financial independence and community growth.
Women-First Apply Now →Machinery Loan
Finance industrial equipment, manufacturing tools, and heavy machinery to boost production capacity and drive business revenue with structured repayment plans.
Up to ₹50 Lakh Apply Now →The ICUC Capital Difference
We don't just lend money — we invest in your future. Here's what sets us apart from every other lender in the market.
Lightning-Fast Approval in 48 Hours
No more waiting weeks for loan sanction. Our streamlined digital verification system ensures you get a decision within 48 hours of application — guaranteed.
Minimal Documentation Required
We've cut the paperwork to the bare minimum. Just basic KYC + income proof — no complex forms, no endless queues, no bureaucratic red tape slowing you down.
100% Transparent — Zero Hidden Charges
What you see is what you pay. Our interest rates, processing fees, and terms are all disclosed upfront. No surprises, no shock EMIs — ever.
Dedicated Personal Relationship Manager
You're not just a loan number to us. Every borrower gets a personal RM who guides you from application to final repayment and beyond.
Fully RBI-Regulated & 100% Safe
ICUC Capital is a fully registered NBFC-MFI under the Reserve Bank of India. Your transactions and data are always protected under strict regulatory oversight.
Flexible EMI Plans for Every Pocket
Weekly, monthly, or quarterly — you choose. Our repayment structures are designed to align with your actual income cycle, making loans truly manageable.
Certifications & Recognitions
Recognised for our commitment to quality, trust and responsible financial services.
Your Loan in 4 Easy Steps
We've simplified the entire borrowing journey. From inquiry to disbursement, here's exactly how it works — no confusion, no stress.
Submit Inquiry
Fill our quick online form or visit our Vasai East office. Takes less than 5 minutes. Tell us the loan type and amount needed.
Submit Documents
Provide basic KYC + income documents. Our team assists you at every step and guides you through exactly what's needed.
Verification & Approval
Our credit team reviews and approves your application within 24-48 working hours. Complete transparency throughout.
Funds Disbursed!
Approved loan directly credited to your bank account. Start using your funds immediately — your dreams don't need to wait!
Who Can Apply for an ICUC Capital Loan?
We believe in financial inclusion for all. Our eligibility criteria are designed to be accessible, fair, and inclusive — serving everyone from salaried individuals to self-employed entrepreneurs and group borrowers.
Salaried Individuals
Age 21–65 years, minimum 6 months employment, stable monthly income. Private/government employees both eligible.
Self-Employed / Business Owners
Minimum 2 years business vintage, stable income proof, valid trade license or GST registration.
Women & SHG Group Members
Groups of 5–20 women eligible for JLG Group Loans. Special low-interest rates for women borrowers under government schemes.
Calculate Your Loan EMI
Get an instant estimate of your monthly EMI, total interest payable and total repayment amount before applying for your loan.
Plan Your Loan
Adjust the details below*This calculator provides an indicative EMI estimate based on the entered values. Actual EMI, interest rate, processing charges and loan terms may vary based on eligibility, product, credit assessment and applicable policies.
Simple Documents, Zero Stress
We believe your time is precious. Our minimal documentation policy means less paperwork and faster approvals. Here's everything you typically need:
Identity Proof (Any 1)
- Aadhaar Card (mandatory)
- PAN Card
- Passport
- Voter ID Card
- Driving License
Address Proof (Any 1)
- Aadhaar Card with current address
- Utility Bill (Electricity/Water)
- Bank Statement with address
- Passport / Ration Card
- Rental Agreement
Income / Financial Proof
- Latest 3 months salary slips
- 6 months bank statement
- ITR / Form 16 (last 2 years)
- Business registration proof
- GST returns (if applicable)
📞 Need help gathering documents? Call us at +91 9594975814 , customercare@icuccapitalmicrofinance.com — our team will guide you step by step.
Real People, Real Success Stories
Don't take our word for it. Hear directly from our 10,000+ customers whose lives changed with an ICUC Capital loan.
"I applied for a business loan on Monday and received funds by Wednesday! ICUC Capital's team was professional, fast, and completely transparent. My garment shop has doubled in size since then. Truly life-changing."
"As a first-generation homebuyer, I was intimidated by the process. My ICUC relationship manager held my hand through every step. We're now happily settled in our own home. Bahut shukriya ICUC Capital!"
"Our SHG group of 12 women got a JLG loan and started a tailoring unit. Today, each of us earns ₹15,000+ monthly. We are financially free thanks to ICUC Capital's belief in women like us."
Moments of Growth & Transformation
Behind every loan is a dream fulfilled. A glimpse into the lives, communities, and businesses we've proudly supported.
Got Questions? We Have Answers
Everything you need to know about borrowing from ICUC Capital — answered honestly and clearly.
Ready to Take the Next Step?
Join 10,000+ families and businesses who trusted ICUC Capital to fund their biggest dreams. Apply today — your loan is just a click away.
Apply for Your Loan Today
Our friendly team is ready to help you find the perfect loan. Fill the form and we'll call you back within 2 hours.
Let's Talk About Your Financial Goals
Whether you need a home loan, want to grow your business, or are just exploring options — our expert team is here to listen and guide you, completely free of charge.
🕐 Business Hours
| Monday – Friday | 9:30 AM – 6:30 PM |
| Saturday | 9:30 AM – 5:00 PM |
| Sunday | Closed |
📋 Loan Inquiry Form
Fill this form carefully — our team will contact you within 2 hours during business hours.
🔒 Your information is 100% secure and strictly confidential. We never share your data.