Key Features

• Completely unsecured – no collateral required
• Loan amount: ₹50,000 to ₹40 Lakh
• Interest rates starting from 10.25% p.a.
• Tenure: 12 to 84 months
• Instant approval & disbursal in 24–48 hours
• Flexible end-use – any personal purpose
• Prepayment allowed after lock-in (usually 6–12 months)
• Balance transfer & top-up available

Eligibility & Documents

Documents Required

• KYC (Aadhaar, PAN, Photo)
• Salary slips (last 3–6 months)
• Bank statements (last 6 months)
• Form 16 / ITR (last 2 years)
• Employment certificate / Offer letter

Key Features

• Unsecured business loans up to ₹50 Lakh–₹1 Cr
• Secured loans against property / machinery up to ₹5 Cr+
• Interest from 11% p.a. (varies by profile & lender)
• Tenure up to 5–7 years for term loans
• Working capital, term loan, machinery finance options
• CGTMSE coverage available for collateral-free portion
• Quick processing for existing GST & ITR filers

Eligibility Snapshot

Key Documents

• KYC of proprietors / directors / partners
• Business registration, Udyam, GST certificate
• ITR + computation (last 2–3 years)
• Bank statements (12–24 months)
• GST returns, balance sheet, P&L
• Projected financials (for larger tickets)

Product highlights

• Hybrid loan for MSMEs — security + business cash-flow based assessment
• LTV support up to 200%* as per bank / NBFC policy & collateral mix
• Ideal for expansion, machinery, stock, working capital & growth
• May combine property / asset cover with turnover-based eligibility
• Suitable for manufacturing, trading & service MSMEs

Typical documents

• KYC, PAN, address proof
• ITR / financials, bank statements, GST returns
• Business vintage & ownership proof
• Collateral documents (if applicable)
• Project / end-use details

Product highlights

• Loan against gold jewellery / approved gold coins
• Fast valuation & quick disbursal
• Flexible tenure & repayment options
• Transparent charges & safe custody process
• Suitable for personal or business short-term needs

What you need

• KYC documents
• Gold ornaments / coins for valuation
• Ownership confirmation as per lender norms

Key Features

• Purchase of ready / under-construction residential property
• Self-construction, plot + construction, renovation
• Balance Transfer + Top-up facility
• Interest rates starting ~8.40% p.a. (floating)
• Tenure up to 30 years
• LTV up to 80–90% (depending on ticket size)
• Tax benefits under Section 80C & 24(b)
• Special schemes for women, PMAY, government employees

Eligibility & Documents

Documents

• KYC + Income proofs (salary / ITR)
• Bank statements
• Property documents (sale deed, title, approved plan, NOC)
• Agreement to sell / Allotment letter
• Valuation & legal report (arranged by bank)

Key Features

• Residential or commercial property as collateral
• End-use flexibility – business expansion, education, marriage, debt consolidation, investment
• Loan amount up to 60–70% of market value
• Tenure up to 15 years
• Interest rates from ~9.50% p.a.
• Higher ticket sizes possible compared to unsecured loans
• Self-employed & businesses preferred segment

Typical Documents

• KYC of all owners & co-applicants
• Income proofs / ITR / GST / bank statements
• Property title documents (sale deed, mutation, tax receipts)
• Approved building plan / occupancy certificate
• Valuation report & legal opinion (bank arranged)
• Existing loan statements if any (for takeover)

Key Features

• Cash Credit (CC): Hypothecation of stock & book debts
• Overdraft (OD): Against property / fixed deposits / other securities
• Interest charged only on utilised amount
• Revolving facility – repay & redraw within limit
• Ideal for seasonal businesses & traders
• Can be combined with Term Loan & Non-Fund based limits (BG/LC)
• Annual renewal based on performance

Assessment Parameters

Documents

• Audited financials / provisional
• Stock & book debt statements
• GST returns, bank statements
• Projected balance sheet & CMA data
• Collateral documents if any

What is CGTMSE?

CGTMSE is a Government of India & SIDBI initiative that provides credit guarantee to banks & NBFCs so they can give collateral-free / hybrid security loans to Micro & Small Enterprises.

Key Highlights (Updated)

• Maximum guarantee cover: ₹10 Crore per borrower
• Guarantee coverage: 75% to 90% depending on category
• Women entrepreneurs: up to 90% coverage
• SC/ST, PwD, Aspirational districts, ZED certified: enhanced cover
• Both Term Loan & Working Capital covered
• Fund-based + Non-fund based (BG/LC) eligible
• Hybrid security model available (part collateral + part CGTMSE)

Annual Guarantee Fee (from Apr 2025)

Concessions available for Women, SC/ST, NER, Aspirational districts, ZED etc.

Eligibility

• New or existing Micro & Small Enterprises
• Manufacturing, Services, Retail/Wholesale Trade
• Valid Udyam Registration preferred
• Must be from Member Lending Institution (MLI)

Key Features

• Project finance for residential, commercial & mixed-use projects
• Disbursement linked to construction stages / RERA milestones
• Can include land cost in some cases (subject to policy)
• Interest during construction (IDC) funding possible
• Escrow mechanism & cash flow monitoring
• Takeover of existing construction finance available

Typical Requirements

• Approved building plans, RERA registration
• Land title, development rights, joint development agreement
• Project report with cash flows & sensitivity
• Promoter financials & track record
• NOCs, environmental clearances where applicable
• Sales velocity / booking status

Key Features

• Finance against completed / near-completed unsold inventory
• Loan Against Property for builders on project assets
• Receivables financing against sold units
• Helps improve cash flow & complete pending work
• Can be structured as term loan or drop-line OD
• Valuation based on current market & achievable selling price

Ideal Scenarios

• Projects with significant unsold stock but good location
• Need for funds to complete last mile construction
• Working capital for marketing & sales push
• Refinance of high-cost existing debt

Key Features

• New & used construction equipment, industrial machinery, plant & machinery
• LTV up to 90–100% of invoice value (new)
• Tenure aligned with useful life of asset (usually 3–7 years)
• Flexible EMI / structured repayment options
• OEM tie-ups for preferred pricing & faster processing
• Can be under CGTMSE for eligible MSMEs

Common Assets Financed

• Excavators, loaders, cranes, tippers, rollers
• CNC machines, manufacturing lines, generators
• Medical equipment, printing machinery
• Material handling & warehouse equipment

Documents

• Quotation / Proforma invoice from dealer/OEM
• Business financials & KYC
• Existing asset list & utilisation proof

Key Features

• New & used commercial vehicles – LCV, ICV, MCV, HCV
• Trucks, tippers, buses, trailers, specialised vehicles
• LTV up to 100% on chassis + body funding options
• Tenure up to 5–7 years
• Fleet operators & first-time buyers both eligible
• Insurance, road tax funding often available
• Top-up & refinance facilities

Eligibility Snapshot

• Valid driving licence / transport permit where required
• Business vintage / experience in transport preferred
• Income proofs / bank credits from operations
• Route permits, contracts (for larger fleets)

Key Features

• High-end cars, luxury SUVs, premium sedans
• Attractive interest rates for high-profile customers
• Higher ticket sizes with competitive LTV
• Quick processing & doorstep service
• Used luxury car finance also available with select lenders

Ideal Customer Profile

• High net-worth individuals & business owners
• Strong income & banking relationship
• Clean credit history

Bank Guarantee Types

• Performance Bank Guarantee
• Financial / Bid Bond / Advance Payment Guarantee
• Retention Money Guarantee
• Customs / Excise / Court Guarantees

Letter of Credit

• Inland LC & Foreign LC
• Sight / Usance LC
• Import & export trade facilitation

Structure

• Usually against cash margin + collateral / facility limit
• Can be part of overall working capital limits
• Commission charged on BG/LC amount
• Important for contractors, exporters, importers, government tenders

Key Features

• Specialised loans for MBBS, MD, MS, BDS & medical professionals
• Clinic setup, medical equipment, practice expansion
• Preferential interest rates for doctors
• Higher loan eligibility based on professional income
• Minimal collateral for established practitioners
• Flexible repayment aligned with practice cash flows

Documents

• Medical degree & registration certificate
• Clinic / hospital affiliation proof
• ITR / Form 16 / professional income proofs
• Bank statements, KYC

Key Features

• Tailored for practising Chartered Accountants
• Office setup, practice expansion, working capital
• Professional category pricing from banks & NBFCs
• Quick processing with professional credentials

Documents

• ICAI membership certificate
• Practice proof / firm registration
• ITR, bank statements, KYC

Key Features

• For advocates & legal professionals
• Chamber setup, library, practice growth
• Based on professional income & standing
• Competitive rates under professional loan schemes

Documents

• Bar Council enrolment certificate
• Practice / chamber proof
• ITR, bank statements, KYC

What We Offer

• We arrange Approved Project Finance (APF) for builders with every major Bank & NBFC
• End-to-end project finance support for residential & commercial projects
• Dedicated project-side banker / Relationship Manager (RM) assistance
• Help buyers get home loans easily on APF projects
• Coordination with bank RMs for faster sanction & disbursement
• Support for construction finance, inventory funding & takeover

Who Can Benefit

• Builders & developers needing project funding
• Home buyers purchasing in APF projects
• Projects seeking bank/NBFC approval
• Existing projects needing additional funding or takeover

Grow Your Wealth

• Start Systematic Investment Plans (SIP) from as low as ₹500/month
• Wide range of mutual fund schemes – equity, debt, hybrid
• Goal-based investing: retirement, child education, wealth creation
• Expert guidance on fund selection & portfolio review
• Paperless onboarding & easy tracking

Why Invest with Us

• Unbiased recommendations
• Regular portfolio monitoring
• Tax-efficient investment options
• Suitable for first-time & experienced investors

Grow Your Business Funds

• Structured solutions to deploy surplus business funds
• Short-term & long-term investment options for businesses
• Help optimise returns while maintaining liquidity needs
• Advisory on growth capital & expansion funding strategies
• Connect with suitable investment products & partners

Ideal For

• Businesses with surplus cash
• Promoters looking to grow investable funds
• Companies planning expansion with structured funding