OUR SERVICES

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UNSECURED LOAN

 An unsecured loan is not tied to any asset, so the risk taken on by the lender is greater than the risk associated with issuing a secured loan. To compensate for the increased risk, lenders charge higher interest on these types of loans, making this a potentially expensive way to finance a large expense like a vehicle. For this reason most unsecured loans are taken out to cover smaller personal expenses (personal loans) 

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SECURE LOAN

 With a secured loan, your lender accepts an asset (e.g. your car) as security that you will pay back the loan. This makes secure loans both safer for the lender and more affordable for the borrower, as the lower risk allows for lower interest rates. 

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GOVERNMENT LOAN

 A government-backed loan is a loan subsidized by the government, which protects lenders against defaults on payments, thus making it a lot easier for lenders to offer potential borrowers lower interest rates. Its primary aim is to make home ownership affordable to lower income households and first-time buyers 

UNSECURED LOAN

PERSONAL LOAN for Salaried

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Financial woe scan arise at any time. You may need funds to pay for educational expenses or a wedding in the house. There could also be unexpected medical bills to deal with.Availing a Personal Loan as an additional back-up is something you could consider if you find yourself in a tough spot. 

PERSONAL LOAN for Self Employed

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 Business Loans are typically unsecured in nature which means no collateral or security is required to borrow a loan 

BUSINESS LOAN

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 Business Loans are typically unsecured in nature which means no collateral or security is required to borrow a loan 

WORKING CAPITAL

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 Loan is a debt provided to the company or the self-employed professionals or business owners that are to be repaid along with the principal amount. The rate of interest is usually pre-determined by the lending institutions 

TERM LOAN

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 A term loan is a monetary loan that is repaid in regular payments over a set period of time. Term loans usually last between one and ten years, but may last as long as 30 years in some cases. A term loan usually involves an unfixed interest rate that will add additional balance to be repaid 

COLLATERAL FREE CC & OD

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Cash Credit loan is a short-term source of finance, having a tenure of up to one year. ... This allows the customer, typically a business or company with a proven track record of profit, to withdraw money which is more than the balance available in their accounts. Cash Credit is also known as Bank Overdraft facility. 

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SECURE LOAN

HOME LOAN

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 A Home Loan is an amount of money that an individual borrows from a bank or money lending company at a certain rate of interest to be paid with the EMI every month. The property is taken as a security by the money lending company for the Home Loan 

HOUSE BUILDING LOAN

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 A Home Construction Loan is essentially a short-term loan that is given to people who are constructing a building over an empty plot of land. ... You pay interest only on the money that you use and not on the total loan amount 

HOUSE RENOVATION LOAN

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 A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying 

LOAN AGAINST PROPERTY - LAP

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 Pledge your property to meet your personal or business goals with loan against property. Apply for loan against property by pledging your residential property as collateral. Get up to 75% of your property's value with loan against property. 

VACANT LAND PURCHASE LOAN

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 Land Purchase Loan should be your loan of choice in situations when. You're purchasing a plot through direct allotment. You're buying a resale plot. 

VACANT LAND MORTGAGE LOAN

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 Banks can also extend loan against self occupied property, vacant property or even rented out property. However, bank may charge a higher interest rate on vacant property than those on self-occupied property. 

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COMMERCIAL PROPERTY PURCHASE

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I Commercial Property Purchase Loan. Our Commercial Property Purchase Loan facility enables you to purchase properties such as office spaces, shops... clinics and other business establishments 

COMMERCIAL PROPERTY MORTGAGE

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 A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex .

LOAN for PURCHASE new MACHINE

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 Loans for purchase of industrial machinery. Loans given for purchase of industrial machinery to small and medium enterprises. Ticket size ranges from 2.5 Lakhs to 2 Crores 

LOAN for SME

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 SME finance is the funding of small and medium-sized enterprises, and represents a major function of the general business finance market – in which capital for different types of firms are supplied, acquired, and costed or priced. 

LOAN FOR NO INCOME GROUP

 loan without income proof for self employed professionals, Check out ...

  loan without income proof for self employed professionals, Check out ... However, many people think that it might be difficult for self-employed 

CONSTRUCTION LOAN

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 A construction loan (also known as a “self-build loan") is a short-term loan used to finance the building of a home or another real estate project. The builder or home buyer takes out a construction loan to cover the costs of the project before obtaining long-term funding 

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CUSTOMER CHECK LIST FOR DOCUMENTATION

Everything You Need To Know About

 Most banks follow the same general rules in terms of document requirement. There may be a few changes in certain cases, in which case, our loan officers will guide you personally to complete the documentation process. 


SALARIED PROFILE 

 1. Form 16 of last 2 years or Income Tax Returns.

2. Salary slips of last 3 months.

3. Last 6 months bank statement reflecting salary credits.

4. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card and Residence Proof – Passport/ Utility bills/ Bank Statements.


SELF EMPLOYED 

 

1. Proof of Business - Shop and Establishment Certificate/ Vat Registration Certificate/ Service Tax Certificate.

2. Last 3 years IT tax returns with profit and loss account and balance sheet duly audited by CA.

3. Existing Loans’ Sanction letters accompanied with repayment track.

4. Business profile on the letterhead of the company.

5. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card and Residence Proof – Passport/ Utility bills/ Bank Statements.


PRIVATE / LIMITED COMPANY 

 

1. Application form duly filled with photographs of directors.

2. Age Proof of Directors - PAN Card, Aadhar Card, passport.

3. Residence Proof of Directors - Utility Bills/ Passport/Bank statement/ Registered rent agreement.

4. PAN Card of Company.

5. Education Qualification - A professional qualification certificate in case of Doctors/CA/Architects.

6. Proof of Business - Shop and Establishment Certificate/Vat Registration Certificate/ Service Tax Certificate.

7. MOA, AOA, List Of Directors, Share Holding Pattern of the Company.

8. Last 3 years IT returns with Profit and Loss account and balance sheet duly audited by CA.

9. Latest 12 months bank statement of Company of all current accounts and the same for Director’s Savings Bank Account.

10. Existing Loans’ sanction letter with repayment track of company and Individual Directors.

11. Business Profile on the Letter Head of the Company.

12. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card and Residence Proof – Passport/ Utility bills/ Bank Statements.

Rate Of Interest For Multiples BANK & NBFC

PERSONAL LOAN -  7.50%  TO  26% pa


BUSINESS LOAN - 12.5%  TO  24.5%


MORTGAGE LOAN  - 10.50%  TO 16.50% 


CC & OD -  9.75% TO  12.75% 


MBL - 22% TO 26% pa 


Loan Against Vacant Land - 12.50% & above 


LAND PURCHASE - 10.50% & Above 


COMMERCIAL MORTGAGE - 10.75%  & above 


COMMERCIAL PURCHASE - 9.75% & Above 


BALANCE TRANSFER & TOP UP -  BT on the same Rate or lower , and TOP UP as per LAP rate.

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