Complete Loan Solutions

Home Loan

Turn your dream of owning a home into reality with our home loan services. We help you secure loans for purchasing ready-to-move-in properties, under-construction projects, or independent houses with attractive interest rates and flexible repayment options.

Home Loan Types:

• Purchase of Ready-to-Move Property
• Under Construction Property Financing
• Plot Purchase Loan
• Home Construction Loan
• Home Extension and Renovation Loan
• Home Improvement Loan
• Balance Transfer from other banks
• Top-up Loan on existing home loan

Features & Benefits:

• Loan Amount: Up to ₹5 Crore or more
• Interest Rates: 8.40% - 10.50% per annum
• Flexible Tenure: Up to 30 years
• High LTV Ratio: Up to 90% of property value
• Tax Benefits under Section 80C and 24(b)
• Special schemes for first-time home buyers
• No prepayment penalty on floating rate loans
• Free property valuation and legal assistance

Eligibility Criteria:

• Salaried & Self-employed individuals
• Age: 21 to 65 years at loan maturity
• Minimum income: ₹25,000 per month
• Good CIBIL score (700+ preferred)
• Valid property documents verification

Loan Against Property (LAP)

Unlock the value of your residential or commercial property to meet any financial requirement. Best option for high-value loans with lower interest rates and longer repayment tenure for business expansion, education, medical emergencies, or any purpose.

Usage of LAP:

• Business Expansion and Working Capital
• Debt Consolidation
• Medical Emergencies and Education
• Marriage and Personal Expenses
• Purchase of Assets or Property
• Starting New Business Venture
• Renovation and Construction

Features & Benefits:

• Loan Amount: ₹5 Lakhs to ₹10 Crore
• Interest Rates: 9% - 12% per annum
• Repayment Tenure: Up to 15-20 years
• LTV Ratio: 65-75% of property value
• Residential & Commercial properties accepted
• Quick approval and disbursal in 7-10 days
• Flexible end-use of funds
• Balance transfer facility available

Personal Loan

Quick and convenient personal loans for all your financial needs - medical emergencies, home renovation, wedding expenses, travel, debt consolidation, or any personal requirement. Get instant approval with minimal documentation and no collateral needed.

Features & Benefits:

• Loan Amount: ₹50,000 to ₹40 Lakhs
• Competitive Interest Rates: 10.49% - 24% p.a.
• Flexible Tenure: 12 months to 60 months
• No Collateral Required
• Quick Disbursal within 24-48 hours
• Minimal Documentation Process
• Pre-approved offers for existing customers
• Part-payment and foreclosure facilities

Eligibility Criteria:

• Salaried or Self-employed Individuals
• Age: 21 to 60 years
• Minimum Monthly Income: ₹15,000 for salaried
• CIBIL Score: 700+ preferred
• Work Experience: 2 years minimum

Business Loan / Term Loan

Fuel your business growth with customized business loans for working capital, equipment purchase, business expansion, inventory financing, or any other business need. Available for proprietorships, partnerships, LLPs, and private limited companies.

Features & Benefits:

• Loan Amount: ₹1 Lakh to ₹50 Crore
• Interest Rates: 10% - 18% per annum
• Flexible Tenure: 1 to 10 years
• Secured & Unsecured options available
• Quick approval in 5-7 working days
• No collateral up to ₹25 Lakhs (unsecured)
• Minimal documentation for existing businesses
• Customized EMI structures

Documents Required:

• Business registration proof (GST, Shop Act)
• ITR and Financial Statements (2-3 years)
• Bank statements (12 months)
• Address proof of business premises
• KYC of Partners/Directors
• GST returns and turnover details

Working Capital Loan (CC/OD)

Maintain smooth business operations with our Cash Credit (CC) and Overdraft (OD) facilities. Access funds instantly to manage daily expenses, inventory purchases, raw material procurement, and short-term financial requirements.

Features & Benefits:

• Credit Limit: ₹5 Lakhs to ₹10 Crore
• Interest Rates: 9.5% - 14% per annum
• Interest only on utilized amount
• Revolving credit facility
• No prepayment charges
• Sanctioned against inventory/receivables/stock
• Annual renewal based on performance
• Flexible withdrawal and repayment

Eligibility:

• Businesses with regular cash flow
• Business vintage: 3+ years minimum
• Proper books of accounts maintained
• Good credit history and CIBIL score
• Stock and receivables as security

Vehicle Loan (Car & Two-Wheeler)

Drive your dream vehicle home today with easy auto financing for new and pre-owned vehicles. Competitive rates, flexible tenure, and high loan-to-value ratio make vehicle ownership affordable for everyone.

Features & Benefits:

• Financing: Up to 90% of on-road price
• Interest Rates: 8.50% - 11.50% per annum
• Tenure: 1 to 7 years
• Loans for new and used vehicles
• All brands and models covered
• Zero foreclosure charges
• Quick approval within 24 hours
• Pre-approved for existing customers

Loan Coverage:

• New cars and SUVs
• Used cars (up to 10 years old)
• Two-wheelers and scooters
• Commercial vehicles
• Electric vehicles
• Insurance premium included

Education Loan

Invest in your future with education loans for higher studies in India and abroad. Cover tuition fees, living expenses, books, equipment, and travel costs with flexible repayment options and special benefits for meritorious students.

Loan Coverage:

• Tuition Fees and Exam Fees
• Hostel and Accommodation Charges
• Books, Uniforms, and Study Materials
• Laptop, Tablet, and Equipment Costs
• Travel Expenses (for abroad studies)
• Insurance Premium (student & medical)
• Project and Thesis Costs

Features & Benefits:

• Loan Amount: Up to ₹1.5 Crore for foreign studies
• Up to ₹20 Lakhs for studies in India
• Interest Rates: 9% - 13.50% per annum
• Tenure: Up to 15 years after course completion
• Moratorium Period: During course + 1 year
• Tax Benefits under Section 80E
• No collateral up to ₹7.5 Lakhs
• Covers UG, PG, PhD, and Professional courses

MUDRA Loan (Pradhan Mantri MUDRA Yojana)

Government-backed collateral-free loans for micro and small enterprises under Pradhan Mantri MUDRA Yojana. Get financing for manufacturing, trading, and service sector businesses with subsidized interest rates and credit guarantee coverage.

MUDRA Loan Categories:

• Shishu: Up to ₹50,000 for startups and early-stage businesses
• Kishor: ₹50,001 to ₹5 Lakhs for growing businesses
• Tarun: ₹5 Lakhs to ₹10 Lakhs for established businesses
• Tarun Plus: ₹10 Lakhs to ₹20 Lakhs for major expansion

Key Benefits:

• No Collateral or Security Required
• Interest Rates: 8% - 12% per annum
• Credit Guarantee Coverage (CGTMSE)
• Flexible Repayment: Up to 5-7 years
• Priority for Women Entrepreneurs (0.25% lower rate)
• Quick Processing and Approval (7-15 days)
• Available for all sectors except agriculture
• Working capital and term loan both covered

Eligible Activities:

• Manufacturing and production units
• Trading, retail, and wholesale shops
• Service sector businesses
• Agriculture allied activities
• Food processing and catering services
• Textile production and services
• Transport vehicles and commercial vehicles
• Equipment and machinery purchase
• Working capital requirements

PMEGP (Prime Minister's Employment Generation Programme)

Credit-linked subsidy scheme by Government of India to generate employment through establishment of new micro-enterprises. Receive substantial margin money subsidy of 15-35% on your total project cost based on category and location.

Subsidy Structure:

• General Category: 15% subsidy for Manufacturing, 10% for Service/Trading
• SC/ST/OBC/Minorities/Women/Ex-servicemen/Disabled: 25% for Manufacturing, 20% for Service/Trading
• Special Categories in Hilly/Scheduled Areas: 35% for Manufacturing, 25% for Service/Trading

Project Cost Limits:

• Manufacturing Sector: Up to ₹50 Lakhs maximum
• Service/Trading Sector: Up to ₹20 Lakhs maximum
• Own Contribution: 5-10% of total project cost
• Bank Loan: Balance amount after subsidy

Eligibility Criteria:

• Age: 18 years and above
• Minimum Education: 8th standard pass
• For projects above ₹10 lakhs: ITI or technical training
• EDP Training mandatory before sanction
• Should not have availed subsidy under other schemes

Our Complete PMEGP Services:

• Complete Project Report (DPR) Preparation
• Market research and feasibility study
• EDP Training Coordination and Enrollment
• Application Filing with KVIC/KVIB/DIC
• Bank Loan Processing and Follow-up
• Subsidy Claim Filing and Assistance
• Post-sanction Support and Monitoring

NABARD Agriculture & Allied Schemes

Comprehensive financing for agricultural activities, dairy farming, poultry, horticulture, and agri-allied business ventures with attractive government subsidy benefits and NABARD refinance support for rural development.

Major NABARD Schemes:

• Farm Mechanization: Tractors, equipment with 25-40% subsidy under SMAM
• Dairy Development: Cattle purchase, dairy units with subsidy under NLM
• Horticulture: Polyhouse, greenhouse, drip irrigation - 50-80% subsidy under MIDH
• Cold Storage: Storage units, processing with NABARD refinance

Key Features:

• Interest Rates: 7% - 11% per annum
• Repayment Tenure: 5 to 10 years
• Government Subsidy: Up to 50-80% of project cost
• NABARD Refinance Facility available
• Covers all agriculture and allied activities
• Special focus on SC/ST and women farmers
• Organic farming and sustainable agriculture

Activities Covered:

• Farm equipment and mechanization
• Dairy farming and milk processing
• Poultry farming (broiler, layer, hatchery)
• Horticulture (fruits, vegetables, flowers)
• Protected cultivation (polyhouse, greenhouse)
• Drip and sprinkler irrigation systems
• Cold storage and pack houses
• Food processing units

MSME Loans & Government Schemes

Comprehensive financing solutions for Micro, Small, and Medium Enterprises including term loans, working capital, equipment financing, and various government scheme benefits with collateral-free loans under CGTMSE coverage.

MSME Loan Types:

• Term Loans for Machinery and Equipment
• Working Capital Loans and CC/OD facilities
• Bill Discounting and Invoice Financing
• Letter of Credit and Bank Guarantees
• MSME Business Loan in 59 Minutes (online)
• Technology Upgradation Loans
• Export Financing and Pre-shipment Credit

Key Benefits for MSMEs:

• Collateral-free loans up to ₹5 Crore under CGTMSE
• Interest Rates: 9% - 16% per annum
• CGTMSE Coverage: 75-85% credit guarantee
• Priority Sector Lending benefits
• Quick Online Processing through PSB portal
• Lower and simplified documentation
• Flexible Repayment Options up to 10-15 years

Key Government MSME Schemes:

• CGTMSE: Credit Guarantee Fund - Collateral-free up to ₹5 crore
• CLCS: Credit Linked Capital Subsidy - 15% subsidy on machinery
• ISEC: Interest Subsidy Eligibility Certificate - 3-5% subsidy
• Stand Up India: ₹10 lakh to ₹1 crore for SC/ST and Women
• Startup India: Seed funding up to ₹50 lakhs for startups

Loan Features:

• Loan Amount: ₹50,000 to ₹10 Crore+
• Interest Rates: 8-16% p.a. based on profile
• Tenure: 1 to 15 years depending on loan type
• Processing Time: As fast as 59 minutes
• Udyam Registration mandatory (MSME registration)