Complete Loan Solutions

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.

Features & Benefits:

• Loan Amount: ₹50,000 to ₹25 lakhs
• Competitive Interest Rates starting from 10.49% 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

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, and companies.

Features & Benefits:

• Loan Amount: ₹1 lakh to ₹50 lakhs (unsecured)
• Higher amounts available with collateral
• Interest Rates starting from 11% p.a.
• Flexible Repayment: 1 year to 5 years
• Overdraft and Term Loan options
• Quick processing and approval
• Customized EMI structures
• No hidden charges

Documents Required:

• Business Registration Proof
• ITR and Financial Statements (2-3 years)
• Bank Statements (12 months)
• Address Proof of Business
• KYC Documents of Partners/Directors
• GST Returns and Turnover Details

New / Used Car Loan

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

New Car Loan Features:

• Loan Amount: Up to 90% of on-road price
• Interest Rates from 8.50% p.a.
• Tenure: Up to 7 years
• All car brands and models covered
• Zero foreclosure charges
• Insurance included in financing
• Quick approval in 24 hours

Used Car Loan Features:

• Loan Amount: Up to 80% of car value
• Interest Rates from 10% p.a.
• Cars up to 10 years old eligible
• Vehicle valuation and verification support
• Transfer of ownership assistance
• Flexible down payment options

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. Special benefits for meritorious students and premier institutions.

Loan Coverage:

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

Features & Benefits:

• Loan Amount: Up to ₹1.5 crore for foreign studies
• Competitive Interest Rates (8-12% p.a.)
• Moratorium Period during study + 1 year
• Repayment up to 15 years
• No collateral up to ₹7.5 lakhs
• Tax benefits under Section 80E
• Covers UG, PG, PhD, and Professional courses
• Government scheme benefits available

Home Loan

Fulfill your dream of owning a home with attractive home loan options. Whether you're buying a new property, constructing a house, or renovating your existing home, we offer the best rates and maximum loan amounts.

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
• Interest Rates starting from 8.40% p.a.
• Loan Tenure: Up to 30 years
• LTV Ratio: Up to 90% of property value
• Tax Benefits under Section 80C and 24(b)
• Flexible Repayment Options
• Pre-approved offers for salaried professionals
• Free property valuation

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.

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 from 9% p.a.
• Tenure: Up to 15-20 years
• LTV: Up to 65-70% of property value
• Residential, Commercial, Industrial properties accepted
• Quick approval and disbursal
• Flexible end-use of funds
• Balance transfer facility available

MUDRA Loan (Pradhan Mantri MUDRA Yojana)

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

MUDRA Loan Categories:

• Shishu: Loans up to ₹50,000 for startups and early-stage businesses
• Kishore: Loans from ₹50,001 to ₹5 lakhs for growing businesses
• Tarun: Loans from ₹5 lakhs to ₹10 lakhs for established businesses
• Tarun Plus: Loans from ₹10 lakhs to ₹20 lakhs for expansion

Eligible Activities:

• Manufacturing and Production Units
• Trading and Retail Shops
• Service Sector Businesses
• Agriculture Allied Activities
• Food and Textile Services
• Transport and Commercial Vehicles
• Equipment and Machinery Purchase
• Working Capital Requirements

Key Benefits:

• No Collateral Required
• Lower Interest Rates (8-12% p.a.)
• Credit Guarantee Coverage
• Flexible Repayment Terms
• Priority for Women Entrepreneurs (0.25% lower rate)
• Quick Processing and Approval

PMEGP (Prime Minister's Employment Generation Programme)

Credit-linked subsidy scheme by the Government of India to generate employment through establishment of new micro-enterprises in manufacturing, trading, and service sectors. Receive margin money subsidy of 15-35% on your project cost.

Subsidy Structure:

• General Category: 15% 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
• Service/Trading Sector: Up to ₹20 lakhs
• Own Contribution: 5-10% of project cost
• Bank Loan: Balance amount after subsidy and own contribution

Eligibility Criteria:

• Age: 18 years and above
• Minimum Education: 8th standard pass
• Existing unit holders with good repayment can get up to ₹1 crore
• EDP Training mandatory before sanction
• Not availed any subsidy under other schemes for same project

Our PMEGP Services:

• Complete Project Report Preparation
• EDP Training Coordination
• Application Filing and Follow-up
• Bank Loan Processing
• Subsidy Claim Assistance
• Post-sanction Support

MSME Loans & Government Schemes

Comprehensive financing solutions for Micro, Small, and Medium Enterprises including term loans, working capital, equipment financing, and government scheme benefits. Special assistance for registered MSME units.

MSME Loan Types:

• Term Loans for Machinery and Equipment
• Working Capital Loans and Overdraft
• Bill Discounting Facilities
• Letter of Credit and Bank Guarantees
• MSME Business Loan in 59 Minutes
• Technology Upgradation Loans
• Export Financing

Key Benefits for MSMEs:

• Collateral-free loans up to ₹5 crore under CGTMSE
• Priority Sector Lending benefits
• Interest Subsidy under various schemes
• Credit Guarantee Coverage (75-90%)
• Quick Online Processing
• Lower Documentation Requirements
• Flexible Repayment Options

Government MSME Schemes:

• Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
• CLCS (Credit Linked Capital Subsidy Scheme)
• Interest Subsidy Eligibility Certificate (ISEC)
• SIDBI Make in India Loan for Enterprises
• Stand Up India Scheme
• Startup India Seed Fund Scheme

Loan Features:

• Loan Amount: ₹50,000 to ₹5 crore
• Interest Rates: 8-14% p.a.
• Tenure: 1 to 15 years
• Processing Time: As fast as 59 minutes
• Udyam Registration mandatory