Our Loan Products

Suitable Customer Profile

Salaried individuals, self-employed professionals, and business owners planning to buy, construct, or renovate residential property.

Common Purpose

Purchase of ready/under-construction flat, home construction on owned land, plot purchase with construction, or home extension.

Key Features & Guidance Highlights

• Longer repayment tenure options (up to 30 years based on age profile).
• Guidance on selecting between fixed & floating interest rate structures.
• Assistance in structuring balance transfers & top-up home loans.
• Clear walkthrough of legal & technical valuation property checks.

Suitable Customer Profile

Property owners possessing clear title residential, commercial, or industrial real estate needing substantial capital.

Common Purpose

Business expansion, debt consolidation, funding higher education, medical treatments, or major life milestones.

Key Features & Guidance Highlights

• Higher loan quantum options against evaluated market value of property.
• Extended tenure flexibility (typically up to 15 years).
• Support in gathering legal title deeds, encumbrance certificates & tax receipts.
• Competitive rate evaluation across partner banks.

Suitable Customer Profile

Salaried employees of private/public firms and self-employed individuals with stable monthly cash inflows.

Common Purpose

Wedding expenses, emergency hospital bills, vacation funding, home renovation, or debt consolidation.

Key Features & Guidance Highlights

• No collateral or security deposit required by lenders.
• Flexible tenure range from 1 to 5 years.
• Fast-track documentation guidance for quick lender processing.
• Guidance on maintaining credit health for optimal rate offers.

Suitable Customer Profile

Proprietorships, partnerships, private limited firms, traders, and manufacturers operating for 2+ years.

Common Purpose

Inventory bulk buying, machinery/equipment purchase, office expansion, technology upgrades, or operational liquidity.

Key Features & Guidance Highlights

• Secured and collateral-free business funding options depending on credit profile.
• Financial statement, P&L, and GST return preparation guidance.
• Customized loan structuring based on business cash flow cycles.
• Assistance across public & private sector banking schemes.

Suitable Customer Profile

Salaried employees, self-employed businessmen, and commercial vehicle operators.

Common Purpose

Purchase of new passenger cars, SUVs, pre-owned certified cars, or commercial fleet vehicles.

Key Features & Guidance Highlights

• Up to 85%-100% on-road price funding guidance (subject to lender policy).
• Flexible tenure options up to 7 years.
• Minimal hassle documentation and quick dealer coordination guidance.
• Used car valuation and hypothecation transfer advice.

Suitable Customer Profile

MBBS, MD, MS, BDS, MDS, BAMS, BHMS qualified doctors and medical consultants registered with medical councils.

Common Purpose

Clinic setup, purchasing advanced diagnostic equipment, hospital expansion, or personal professional requirements.

Key Features & Guidance Highlights

• Special professional rate considerations offered by partner banks.
• Collateral-free loan options up to specific lender limits.
• Simplified document processing based on medical registration degrees.
• Flexible repayment tenures tailored to practice growth.

Suitable Customer Profile

Active business enterprises, traders, manufacturers, and property owners seeking continuous liquidity access.

Common Purpose

Managing temporary cash flow gaps, paying supplier invoices, meeting payroll, and seizing immediate business deals.

Key Features & Guidance Highlights

• Pay interest only on the exact amount utilized, not the full sanctioned limit.
• Annual renewable credit line backed by financial review or property.
• Seamless deposit & withdrawal flexibility without pre-payment penalties.
• Bank balance sheet and stock statement structuring assistance.