Our Loan & Finance Services

Home Loan

Buy, construct, or renovate your dream home with attractive interest rates and tenures up to 30 years.

• Up to 90% property funding
• Tax benefits under Sec 80C & 24(b)
• Quick eligibility & approval

Mortgage Loan

Unlock high-value funds against your residential or commercial property at competitive interest rates.

• Loan up to 60% of property value
• Flexible end-use of funds
• Tenure up to 15 years

Personal Loan

Unsecured personal loans for weddings, travel, medical, or any personal need with minimal documentation.

• No collateral required
• Disbursal in 24-48 hours
• Tenure 1-7 years

Business Loan

Fund expansion, inventory, or working capital with secured and unsecured business loan options.

• Loan up to 2 Cr unsecured
• Minimal documentation
• Flexible repayment options

Car Loan

Finance a new or pre-owned car with attractive interest rates and easy EMI options.

• Up to 100% on-road funding
• Quick same-day approval
• Tenure up to 8 years

Education Loan

Finance higher education in India or abroad — covers tuition, living, and other study expenses.

• Up to 1.5 Cr for abroad studies
• Moratorium during course period
• Tax benefits on interest paid

SME Loan

Collateral-free and secured funding options for small and medium enterprises to grow and scale.

• CGTSME scheme coverage
• Up to 5 Cr collateral-free
• Competitive interest rates

Overdraft Facility

Flexible overdraft against your deposits, property, or receivables — pay interest only on what you use.

• Pay interest only on usage
• Instant withdrawal via cheque/UPI
• Renew annually with ease

Machinery Loan

Finance new or used machinery and equipment for manufacturing, construction, or service businesses.

• Up to 90% machinery cost
• Equipment itself acts as security
• Tax depreciation benefits

Plot Loan

Purchase residential or commercial plots with attractive loan terms and flexible repayment options.

• Up to 80% plot value
• Composite plot + construction option
• Tenure up to 20 years

Loan Against Security

Get an overdraft or loan against your shares, mutual funds, bonds, or insurance policies.

• Up to 80% of security value
• No need to sell investments
• Interest only on utilized amount

Balance Transfer & Top Up

Transfer your existing loan to a lower interest rate and get an additional top-up loan instantly.

• Save on EMI with lower rate
• Top-up at the same rate
• Minimal documentation

Working Capital Loan

Finance day-to-day operations, inventory, and receivables with flexible working capital solutions.

• Fund inventory & receivables
• Cash credit or bill discounting
• Revolving credit facility

OD / CC Facility

Overdraft and Cash Credit facility to manage business cash flow with flexible withdrawal and repayment.

• Pay interest on usage only
• Against stock & receivables
• Annual renewable limit

IMGC

India Mortgage Guarantee Corporation-backed home loans with extended tenure and higher eligibility.

• Higher loan eligibility
• Tenure up to 30 years
• Lower down payment

India Mortgage Guarantee

Mortgage guarantee-backed loans that improve eligibility and reduce risk for both lender and borrower.

• Up to 90% LTV funding
• Better rate negotiation
• Risk-protected lending

Term Loan

Long-term funding for business expansion, capex, or asset purchase with structured EMIs.

• Tenure up to 10 years
• Fixed or floating rate
• Moratorium available

Letter of Credit

LC facility for domestic and international trade — secure payments to suppliers and build trust.

• Usance & sight LC options
• Domestic & import-export LC
• Build supplier credibility

Bank Guarantee

Performance, financial, or bid guarantees to help you win contracts and assure counterparties.

• Performance & bid BG
• Margin money support
• Quick issuance process

Export Finance

Pre-shipment and post-shipment finance for exporters to manage production and receivables.

• Pre & post-shipment funding
• Concessional export rates
• Bill discounting facility

Gold Loan

Instant cash against your gold with safe storage and the best market value for your ornaments.

• Disbursal in 30 minutes
• Secure vault storage
• Flexible repayment options

Loan Against FD

Get a loan against your fixed deposit without breaking it — meet urgent needs while your FD grows.

• Up to 90% of FD amount
• FD continues earning interest
• Lowest interest rates

CGTSME

Credit Guarantee Trust for Micro & Small Enterprises — collateral-free business loans with government backing.

• Up to 5 Cr collateral-free
• Government guarantee cover
• Lower interest rates